2014 Nissan Versa Note Car Insurance Quotes – 6 Tips to Save

Finding lower premiums on insurance coverage is a challenge for people who are new to shopping for insurance online. Drivers have so many options that it can easily become more work than you anticipated to find lower rates.

It’s important to check insurance coverage prices on a regular basis because insurance rates are variable and change quite frequently. Even if you think you had the best rates for Versa Note insurance a couple years back you will most likely find a better rate today. Starting now, forget all the misinformation about insurance coverage because you’re going to learn the quickest way to find better rates and still maintain coverage.

If you have car insurance now, you will be able to lower your premiums substantially using these methods. Finding affordable protection is quite easy. Although consumers must know how the larger insurance companies sell online and use this information to your advantage.

How to Lower Your Auto Insurance Cost

There are several ways to compare rate quotes from different insurance companies. One of the best ways to compare 2014 Nissan Versa Note insurance prices is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

  • One of the simplest ways to get quotes would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing multiple quote forms for each company. One form submission will return quotes from all major companies. Recommended for those who want to invest the least amount of time.
  • A different way to shop for auto insurance online is going to each company’s website and complete a new quote form. For example, let’s assume you want rates from Auto-Owners, Farmers and American Family. You would have to go to every website and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The least recommended method of comparing rate quotes is to waste gas driving to different agent offices. Shopping for auto insurance online can eliminate the need for a local agent unless you require the trained guidance only provided by licensed agents. Drivers can price shop your coverage online but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, be sure to compare identical coverage information with every price quote. If your comparisons have different values for each quote it will be very difficult to truly determine the lowest rate. Quoting even small variations in coverage limits can make a big difference in price. And when quoting auto insurance, remember that more quotes provides better odds of finding a lower rate.

The fine print in auto insurance ads

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies make the same claim that you’ll save big if you change to them. How can each company make almost identical claims?

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be profiled as a mature driver, has no driving citations, and has excellent credit. Any new insured who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.

Consumers who are not a match for the “perfect” profile will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can advertise the savings. That is why you absolutely need to get as many comparisons as possible. It’s not possible to predict which auto insurance company will provide you with the cheapest Nissan Versa Note insurance rates.

Cut your insurance rates with these six discounts

Companies do not list all their discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Claim Free – Drivers who don’t have accidents pay less as compared to bad drivers.
  • Own a Home – Being a homeowner can help you save on insurance because of the fact that having a home requires personal responsibility.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Versa Note insurance than drivers with accident claims.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

Insurance companies that may have these benefits include:

Check with each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

You are unique and your insurance should be too

When choosing adequate coverage, there is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Am I covered if I hit a deer?
  • What is roadside assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I not file a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages explained

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, damage from getting keyed, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like rehabilitation expenses, doctor visits, ambulance fees, chiropractic care and funeral costs. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Nissan Versa Note.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability coverage

This can cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as attorney fees, pain and suffering, medical services and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for collisions

This pays for damage to your Versa Note caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, hitting a parking meter, scraping a guard rail, damaging your car on a curb and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Have money to burn

In this article, we presented quite a bit of information on how to lower your 2014 Nissan Versa Note insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest priced car insurance comes from an unexpected company.

Lower-priced insurance can be bought on the web in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Insureds leave their current company for many reasons like extreme rates for teen drivers, not issuing a premium refund, questionable increases in premium or delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

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