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Nissan Versa Insurance Rates

There are many options when buying insurance for your Nissan vehicle. You can buy from a local agent or get quotes online to compare rates from insurance carriers. Shopping for auto insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Finding lower Versa insurance cost can be relatively painless. You just have to spend a little time to get quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for a Nissan Versa will vary greatly and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you own your home

A final factor that will help determine Versa insurance rates is the model year. Newer models have a higher replacement value in comparison to later models so the costs to repair will push premiums up. Conversely, newer vehicles may have a trim level with safety features such as anti-lock brakes, adaptive headlights, and adaptive cruise control so those may lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Versa below.

Liability - This can cover damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.

Collision coverage - Collision coverage covers damage to your Nissan caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Versa collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Nissan Versa comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance - Coverage for medical payments and/or PIP kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Nissan Versa Insurance Rates?