Compare 2017 Nissan Versa Note Car Insurance Quotes

Finding the cheapest insurance for a new or used Nissan Versa Note can be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to price shop coverage on a Nissan and locate the cheapest rates.

Quote insurance coverage online

Shopping for lower insurance coverage rates can be exhausting if you don’t understand the easiest way. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the larger companies enroll in a system that allows shoppers to complete one form, and every company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions to each individual insurance coverage company.

To participate in this free quote system, click to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly the companies to get quotes from. So if you prefer to pick specific providers to compare rates, we have assembled a list of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using the same coverage data with each company. If you have different deductibles it will be very difficult to make a fair comparison for your Nissan Versa Note.

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Discounts for cheaper insurance quotes

Car insurance can cost a lot, but there may be some discounts that could drop your premiums quite a bit. A few discounts will be applied at quote time, but occassionally some discounts must be specially asked for before you get the savings.

• Early Renewal Discounts – A few insurance companies allow discounts for buying a policy prior to the expiration date on your current policy. You can save around 10% with this discount.
• Safe Driver Discounts – Safe drivers can save up to 40% or more on their insurance quote on Versa Note insurance than less cautious drivers.
• New Car Discount – Putting insurance coverage on a new car can get you a discount because newer vehicles have to meet stringent safety requirements.
• Driving Data Discount – Drivers who agree to allow driving data collection to look at driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
• Student in College – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
• Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
• Theft Deterent Discount – Cars with anti-theft systems are stolen less frequently and will qualify for a discount on a insurance quote.
• Organization Discounts – Being a member of qualifying clubs or civic groups is a good way to get lower rates when getting a insurance quote.
• Accident Waiver – This one is not really a discount per se, but some companies like State Farm and Allstate may permit one accident without the usual rate increase so long as you haven’t had any claims for a specific time period.

Please keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any qualifying discounts will help reduce your insurance premiums.

A list of insurance companies and a summarized list of policyholder discounts can be found below.

• Farmers Insurance may have discounts that include early shopping, multi-car, good student, youthful driver, and alternative fuel.
• State Farm policyholders can earn discounts including good student, multiple autos, driver’s education, Drive Safe & Save, passive restraint, and student away at school.
• Liberty Mutual offers premium reductions for newly retired, safety features, multi-policy, exclusive group savings, and new vehicle discount.
• MetLife offers discounts for claim-free, accident-free, good student, multi-policy, defensive driver, good driver
• Progressive may include discounts for continuous coverage, homeowner, online signing, online quote discount, good student, multi-vehicle, and multi-policy.

If you want inexpensive insurance quotes, ask every insurance company what discounts are available to you. Savings might not be available to policyholders in your area. To view providers who offer cheap insurance quotes, follow this link.

You may need specialized insurance coverage coverage

When choosing the best insurance coverage coverage, there really is not a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does my 2017 Nissan Versa Note need full coverage?
• What are the best liability limits?
• What is an SR-22 filing?
• Can I get a multi-policy discount?
• Do I need special endorsements for business use of my vehicle?
• Do I have coverage when using my vehicle for my home business?
• How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

You can change your insurance prices

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that play a part in calculating the price you pay for car insurance. If you have some idea of what controls the rates you pay, this allows you to make good choices that could result in lower premium levels.

• Stay claim-free and lower prices – If you file claims often, you shouldn’t be surprised to get either policy cancellation or increased premiums. Car insurance companies award the lowest premiums to people who are claim-free. Insurance coverage is intended to be relied upon for more catestrophic claims.
• Save money by having multiple policies – Many insurance companies will give a discount for people who consolidate policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, consumers should still compare rates to ensure the best deal.
• Five star NHTSA crash test rating saves money – Safer cars are cheaper to insure. Safe vehicles reduce injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If your Nissan earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Better credit means lower prices – Having a good credit score is likely to be a major factor in calculating your car insurance rates. If your credit score is low, you may save money insuring your 2017 Nissan Versa Note by improving your credit score. Drivers with high credit scores tend to be better risks to insure than drivers with lower credit ratings.
• Urban residents pay more – Having an address in small towns and rural areas is a good thing if you are looking for the lowest rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. People in densly populated areas have much more traffic and more time behind the wheel. Longer commute distances statistically corresponds to a higher accident and claim rate.
• Traffic violations hurt – Even one driving citation can increase the cost of insurance by as much as twenty percent. Attentive drivers pay less for auto insurance as compared to careless drivers. Drivers who have gotten careless violations such as reckless driving or DUI may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent their license from being revoked.
• Low coverage deductibles can be expensive – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. A few examples of covered claims would be a broken side mirror, hail damage, and damage caused by flying debris. Comp and collision deductibles tell how much the insured will be required to pay before a claim is paid by your company. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance on Versa Note insurance.
• Gender and car insurance costs – Statistics show that men are more aggressive behind the wheel. It does not mean females are better at driving than males. Men and women are responsible for at-fault accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI.

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Smaller companies may have the best rates

Consumers can’t get away from all the ads for the lowest price car insurance by companies like Geico, State Farm and Progressive. They all convey the message that people will save just by moving your policy.

That’s great but how can every company give you a lower rate? You have to listen carefully.

Many companies quote the lowest rates for the type of driver that makes them money. An example of a profitable customer could possibly be between the ages of 30 and 50, has no claims, and drives less than 10,000 miles a year. Any customer who matches that profile will qualify for the lowest rates and will probably save when switching.

People who don’t qualify for the requirements may be forced to pay higher rates and ends up with the customer not purchasing. If you pay attention, the ads say “people who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can truthfully lure you into getting a quote.

This really drives home the point why drivers must do a price quote comparison at every renewal. It is just not possible to predict which company will be your best fit.

Insurance policy coverages for a 2017 Nissan Versa Note

Understanding the coverages of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability coverages – This provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto coverage – This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses for things like funeral costs, prosthetic devices, doctor visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Nissan Versa Note.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage – This covers damage to your Versa Note caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

At the end of the day…

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your focus should be to buy enough coverage at the best cost, but do not sacrifice coverage to save money.

Some insurance companies may not have the ability to get a quote online and many times these regional insurance providers only sell coverage through local independent agents. Discount 2017 Nissan Versa Note insurance is possible on the web as well as from independent agents, so you should compare both to get a complete price analysis.

In this article, we covered many ways to compare 2017 Nissan Versa Note insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the better your comparison will be. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies.

More information

• Choosing a Car for Your Teen (State Farm)
• How Much is Car Insurance for a Nissan Versa in New Orleans? (NewOrleansInsure.com)
• How Much is Auto Insurance for a Nissan Versa in Fresno? (InsureFresno.com)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Versa in Tulsa? (TulsaCoverage.com)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Should I Buy a New or Used Car? (Allstate)
• Child Safety Seats (Insurance Information Insitute)

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