Finding the cheapest insurance for a Nissan Versa can be an all-consuming task, but you can learn our car insurance buying tips to save time. There are more efficient ways to compare car insurance rates and we’ll show you the quickest way to price shop coverage for your Nissan and obtain the lowest price from both online companies and local agents.
It is always a good idea to take a look at other company’s rates at least once a year because car insurance prices trend upward over time. Just because you found the lowest price on Versa insurance a few years ago other companies may now be cheaper. You can search a lot of car insurance online, but by reading this article, you’re going to learn some solid techniques on how to put money back in your pocket.
If you have a current car insurance policy or need new coverage, you can use these tips to get lower rates while maximizing coverage. Finding the lowest cost car insurance coverage is simple if you know the tricks. Consumers only need to know the proper methods to shop for car insurance online.
Comparing insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.
Many companies belong to a marketplace where prospective buyers complete one form, and every company can provide price quotes for coverage. This saves time by eliminating form submissions for each company.
To submit your quote information now, click here (opens in new window).
One minor caviat to pricing coverage this way is that you can’t choose the providers you want pricing from. If you wish to select from a list of companies to request quotes from, we put together a list of companies who write insurance in your area. Click here to view list.
Whichever method you choose, make sure you are using the same coverage data for each quote you get. If you compare different data it will be next to impossible to make a fair comparison for your Nissan Versa.
When buying the best insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.
For instance, these questions may help highlight if your situation would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.
Learning about specific coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Collision – This coverage covers damage to your Versa caused by collision with another car or object. 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 hitting a mailbox, crashing into a ditch, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.
Comprehensive insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Versa.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Liability car insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability insurance covers things such as court costs, repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and loss of income. How much coverage you buy is up to you, but consider buying as much as you can afford.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like nursing services, rehabilitation expenses, dental work, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible