Cheaper 2016 Nissan Versa Insurance Cost

Do you think you bought high-priced insurance coverage? You’re in good company because there are lots of people in the same boat. Many insurers vie for your business, so it’s not easy to compare every insurance company and get the definite lowest rate possible.

Free insurance coverage price quotes

Getting a more affordable price on 2016 Nissan Versa insurance is actually quite simple. You just have to invest a few minutes comparing price quotes from online providers. You can get a good selection of rate quotes using a couple different methods.

1. If you’re in a hurry, the quickest way to get quotes would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing multiple quote forms for each company. One simple form gets coverage cost estimates from multiple low-cost companies.
2. A harder way to find better pricing consists of visiting each company’s website to complete a price quote. For example, let’s say you want to see prices from Progressive, Esurance and Farmers. To get rate quotes you would need to go to each individual site and repeatedly enter your information, which explains why we recommend starting with the first method.

   For a list of companies in your area, click here.

3. The most difficult way to get rate quotes to and from local insurance agencies. The ability to quote online has reduced the need for local agents unless you’re the type of person who wants the guidance of a local agency. You can, however, compare online quotes but have a local agent actually write the policy.

The method you choose is up to you, but make absolute certain that you use identical quote information for each comparison quote. If you enter different liability limits you will not be able to make a fair comparison for your Nissan Versa.

Discounts for affordable insurance coverage quotes

Car insurance companies don’t always list every discount they offer very clearly, so we break down a few of the more well known and also the lesser-known discounts that you may qualify for.

• Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more on Versa insurance than less cautious drivers.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as Allstate, State Farm and Geico will let one accident slide before raising your premiums as long as you don’t have any claims for a certain period of time.
• E-sign – A handful of insurance coverage companies provide a small discount get insurance on the web.
• Low Mileage Discounts – Keeping the miles down on your Nissan may enable drivers to earn cheaper rates.
• Life Insurance – Some insurance companies give a discount if you purchase life insurance from them.
• Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance on Versa insurance with certain companies.
• ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
• Passive Restraint Discount – Factory air bags or automatic seat belts could see savings as much as 30%.
• Active Service Discounts – Being on active deployment in the military may lower your premium rates slightly.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will cut your policy cost.

Companies and some of the premium reductions they offer are:

• State Farm includes discounts for safe vehicle, defensive driving training, multiple policy, anti-theft, student away at school, and good driver.
• Esurance may include discounts for multi-car, safety device, good driver, emergency road assistance, anti-lock brakes, and anti-theft.
• Progressive may have discounts that include online quote discount, homeowner, continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
• Liberty Mutual may offer discounts for multi-car, exclusive group savings, newly married, new vehicle discount, newly retired, and safety features.
• Auto-Owners Insurance offers discounts for paid in full, good student, company car, air bags, and safe vehicle.
• Geico offers discounts including daytime running lights, federal employee, driver training, good student, anti-theft, membership and employees, and five-year accident-free.

When quoting, ask each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area.

You may need specialized auto insurance coverage

When choosing coverage, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your insurance needs may require specific advice.

• Am I covered when delivering products for my home-based business?
• Does coverage extend to Mexico or Canada?
• Does my policy cover me when driving someone else’s vehicle?
• If I drive on a suspended license am I covered?
• When should my teen driver be added to my policy?
• Do I need PIP (personal injury protection) coverage in my state?
• When should I buy a commercial auto policy?
• What is the minimum liability in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for rehabilitation expenses, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Nissan Versa.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.