Compare 2009 Nissan Versa Insurance Rates

Searching for cheaper car insurance rates for your Nissan Versa? Finding the best price on car insurance can be a challenge if you’re new to online quotes. But don’t let that discourage you because finding affordable coverage online is easier than you think.

It’s a good idea to shop coverage around periodically because insurance rates change frequently. Just because you found the best price on Versa insurance last year you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because you’re going to learn one of the best ways to lower your annual insurance bill.

Cut prices on 2009 Nissan Versa insurance

Companies offering auto insurance don’t list every discount very clearly, so here is a list both well-publicized and the more hidden ways to save on insurance coverage.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Student in College – Any of your kids who are attending college and don’t have a car can be insured at a reduced rate.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Clubs and Organizations – Participating in a civic or occupational organization could qualify you for a break on insurance coverage on Versa insurance.
  • Drivers Ed for Students – Have your child take driver’s ed class if offered at their school.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Senior Citizens – Mature drivers may receive reduced rates on Versa insurance.

It’s important to note that most credits do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies who might offer these benefits include:

It’s a good idea to ask every prospective company which discounts they offer. Some discounts might not apply in every state.

The method we recommend to compare rate quotes utilizes the fact most of the bigger providers will pay a fee to give rate comparisons. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as your education level, driver ages, the year, make and model of vehicles, and what your job is. Your rating data is submitted instantly to multiple different insurance companies and you receive quotes almost instantly.

Parts of the Nissan Versa rate equation

An important part of buying insurance is that you know the factors that go into determining the price you pay for insurance coverage. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower insurance coverage prices.

Listed below are some of the factors companies use to determine your rates.

  • Cautious drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Just one speeding ticket can bump up the cost twenty percent or more. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Males pay more for insurance – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes are in accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • More people means more accidents – Residing in a small town can be a good thing when talking about insurance coverage. City drivers tend to have much more traffic and longer commute times. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Discounts for married couples – Getting married can actually save you money on your insurance coverage policy. Marriage is viewed as being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Do you qualify for a multi-policy discount? – Some insurers provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money.
  • Poor credit can mean higher rates – Your credit rating is a important factor in determining your rates. People with high credit ratings tend to be more responsible as compared to drivers with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your 2009 Nissan Versa by repairing your credit.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Does car insurance cover theft of personal property?
  • Are my friends covered when driving my 2009 Nissan Versa?
  • What are the financial responsibility laws in my state?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Having a good grasp of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverage protection

This coverage will pay to fix damage to your Versa from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as emergency aid, medical services, repair bills for other people’s vehicles, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, hail damage, rock chips in glass and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills for nursing services, prosthetic devices and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

More quotes. Lower rates.

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits and learned later that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

People who switch companies do it for any number of reasons including questionable increases in premium, policy cancellation, extreme rates for teen drivers and not issuing a premium refund. No matter why you want to switch, finding a new company can be pretty painless.

Cheaper 2009 Nissan Versa insurance can be bought both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide online price quotes and these small insurance companies work with independent agents.

More detailed insurance coverage information is located at these sites: