2012 Nissan Versa Insurance Rates

Trying to find low-cost insurance for a new or used Nissan Versa can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to buy insurance coverage and you need to know the absolute fastest way to compare rates on a Nissan and locate the lowest possible price either online or from local insurance agents.

What determines your Nissan Versa insurance premium

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to big savings.

  • Better credit means lower rates – A driver’s credit score is a large factor in calculating your car insurance rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit. So if your credit history is low, you could pay less to insure your 2012 Nissan Versa by improving your credit score.
  • Lower miles equals lower premium – The higher the mileage driven in a year the more you will pay for car insurance. Most insurance companies apply a rate determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Versa can result in significantly higher rates. Double check that your car insurance declarations sheet shows the correct usage for each vehicle.
  • Your spouse saves you money – Having a wife or husband helps lower the price on your policy. Marriage usually means you are more mature and responsible it has been statistically shown that married couples file fewer claims.
  • Increase deductibles and save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims would be colliding with a building, vandalism, or theft. The more money you have to pay, the less your company will charge you for insurance on Versa coverage.
  • Liability coverage protects you – Your policy’s liability coverage will protect you when you are found liable for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Where you live – Living in less populated areas is a positive aspect when it comes to car insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and longer commutes to work. More time on the road means more change of being in an accident.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Tickets mean higher rates – Careful drivers receive lower rates than bad drivers. Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.

How much can you save with discounts?

Car insurance companies don’t always publicize every discount very well, so here is a list both well-publicized and the harder-to-find insurance savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Distant Student – Kids in college who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Multi-policy Discount – When you have multiple policies with the same company you may save up to 20% off your total premium.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts up to age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Versa coverage than less cautious drivers.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better insurance rates on Versa coverage.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.

Consumers should know that some of the credits will not apply to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurers offering insurance discounts, click here to view.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does having multiple vehicles earn me a discount?
  • How can I force my company to pay a claim?
  • How much liability insurance is required?
  • Am I covered when driving in Canada or Mexico?
  • Can my babysitter drive my car?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage information

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage

Collision insurance will pay to fix damage to your Versa caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, rolling your car, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people, and 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 limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as emergency aid, bail bonds, pain and suffering, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like doctor visits, ambulance fees, surgery and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, rock chips in glass and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Versa.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Smart consumers save more

We just showed you quite a bit of information on how to shop for 2012 Nissan Versa insurance online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with the least-expected company.

Insureds switch companies for a number of reasons such as high prices, delays in responding to claim requests, poor customer service or even policy non-renewal. No matter why you want to switch, finding the right insurance provider is less work than it seems.

When shopping online for insurance, never buy less coverage just to save a little money. In too many instances, an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at an affordable rate.

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