2017 Nissan Versa Car Insurance Rates

Finding better insurance prices for a new or used Nissan Versa can be difficult, but you can use the following methods and make it easy.

There is a better way to shop for auto insurance and we’ll show you the quickest way to get price quotes on a Nissan and locate the lowest price from local insurance agents and online providers.

Pricing more affordable insurance coverage is easy if you know what you’re doing. If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Drivers only need to know the most efficient way to get comparison quotes on the web.

How to buy insurance online

Most larger insurance companies such as Allstate and Progressive give prices for coverage on their websites. This process is easy for anyone as all you need to do is type in as requested by the quote form. Upon sending the form, the quote system automatically orders your driving and credit reports and returns pricing information based on many factors.

Online price estimates simplifies rate comparisons, but the work required to visit many different websites and complete many quote forms gets old quite quickly. But it’s also necessary to do this in order to get a better rate.

There is a better way!

The preferred way to compare rates uses just one form that gets prices from more than one company. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much easier to do. As soon as you send your information, it is rated with multiple companies and you can pick any one of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process only takes a few minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate the coverage information just like they are on your policy. This way, you will have an apples-to-apples comparison for exact coverage.

These discounts can lower your car insurance rates

Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that many consumers don’t even know exist. Some discounts apply automatically at quote time, but a few need to be inquired about before you will receive the discount.

• Multiple Policy Discount – If you insure your home and vehicles with one company you may save up to 20% off your total premium.
• Anti-lock Brake System – Cars and trucks with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Accident Free – Claim-free drivers have much lower rates when compared to bad drivers.
• Low Mileage Discounts – Keeping the miles down on your Nissan can qualify you for cheaper premium rates.
• Safe Driver Discounts – Drivers without accidents can pay as much as 50% less for Versa coverage compared to rates paid by drivers with frequent claims.
• Multi-Vehicle Discounts – Buying insurance for all your vehicles with the same company can get a discount for every vehicle.
• College Student Discount – who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
• Own a Home – Being a homeowner may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

Some companies that may offer policyholders some of the discounts shown above possibly include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

If you need the cheapest insurance quotes, ask all companies you are considering how you can save money. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to view companies with significant discounts, click here to view.

Different people need different car insurance coverages

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation might need an agent’s assistance.

• Does coverage extend to my business vehicle?
• Is my custom paint covered by insurance?
• At what point should I drop full coverage?
• What is high-risk coverage and where do I buy it?
• Should I rate my 2017 Nissan Versa as pleasure use or commute?
• Can my teen drive my company car?
• Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Learn about car insurance coverages for a 2017 Nissan Versa

Knowing the specifics of car insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages – This protects you from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for things like structural damage, court costs, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, dental work, chiropractic care, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Versa resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Versa.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.