Save on 2008 Nissan Versa Insurance Quotes

Looking for better auto insurance rates for your Nissan Versa? Being forced to pay for high-priced auto insurance premiums can sap your budget and put the squeeze on your family’s finances. Having so many different company options, it can be challenging to locate the lowest cost auto insurance company.

You need to compare premium rates yearly because insurance prices are variable and change quite frequently. Just because you had the best deal for Versa insurance last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

The purpose of this post is to instruct you on how to get online quotes. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Consumers just need to learn the proper way to buy car insurance online.

The quickest method to compare car insurance company rates is to take advantage of the fact almost all companies provide online access to give free rates quotes. The one thing you need to do is give them some information including an estimate of your credit level, any included safety features, if a SR-22 is required, and driver ages. Your details is sent automatically to many highly-rated insurers and you get price estimates very quickly.

Nissan Versa insurance rate factors

When buying auto insurance it’s important to understand a few of the rating criteria that come into play when calculating auto insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that can help you get cheaper rates. Many different elements are part of the calculation when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent like your vehicle usage or your commute time.

The following are a partial list of the pieces auto insurance companies consider when setting your premiums.

  • Theft deterrents systems cut premiums – Choosing to buy a car with a theft deterrent system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
  • Driving citations mean higher rates – Good drivers have lower premiums as compared to those with violations. Even a single moving violation could increase your next policy renewal substantially. Drivers who have license-revoking violations like DUI, reckless driving or excessive speeding may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Don’t cut corners with liability protection – Your policy’s liability coverage provides coverage when you are found liable for an accident. This coverage provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Save by driving less – The more miles you rack up on your Nissan in a year’s time the more you’ll pay to insure it. Most companies charge rates based upon how the vehicle is primarily used. Vehicles left parked in the garage cost less to insure than cars that get driven a lot. An incorrectly rated Versa may be costing you. Verify your auto insurance policy reflects the correct usage for each vehicle.

Discounts for cheaper car insurance rates

Car insurance is not cheap, but you might find some hidden discounts to cut the cost considerably. A few discounts will be applied when you complete an application, but once in a while a discount must be specifically requested prior to getting the savings.

  • Resident Student – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
  • Low Miles Discount – Keeping the miles down on your Nissan can earn cheaper rates.
  • Driver Safety – Taking time to complete a class that teaches defensive driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • Data Collection Discounts – Insureds who allow driving data submission to analyze driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.
  • Lower Rates for Military – Being deployed in the military can result in better premium rates.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • More Vehicles More Savings – Buying insurance for multiple vehicles on a single policy can reduce the rates for all insured vehicles.
  • Professional Memberships – Being in a qualifying organization could qualify you for a break on your policy.
  • Multiple Policy Discount – If you have multiple policies and insure them with the same company you may earn 10% to 20% off each policy.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

A few of the larger companies and a selection of discounts include:

  • Progressive may have discounts that include continuous coverage, multi-vehicle, online quote discount, homeowner, and good student.
  • GEICO policyholders can earn discounts including good student, multi-policy, anti-lock brakes, emergency military deployment, membership and employees, and anti-theft.
  • State Farm offers premium reductions for anti-theft, student away at school, defensive driving training, passive restraint, driver’s education, good driver, and Steer Clear safe driver discount.
  • Esurance offers discounts including homeowner, renters, anti-theft, safety device, online quote, and good driver.
  • The Hartford may include discounts for defensive driver, good student, driver training, bundle, and vehicle fuel type.

If you are trying to find affordable insurance quotes, ask each insurance company which discounts you qualify for. A few discounts may not apply in your area. If you would like to see a list of insurers that offer many of these discounts, follow this link.

You may need specialized car insurance coverage

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • Do I need rental car coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I pay less if my vehicle is kept in my garage?
  • How many claims can I have before being cancelled?
  • Can I afford to buy a different vehicle if my 2008 Nissan Versa is totaled?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Specific coverage details

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like emergency aid, loss of income, court costs and medical services. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your Versa caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like pain medications, surgery, nursing services and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to 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

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Buy Smart and Save

You just learned quite a bit of information on how to compare 2008 Nissan Versa insurance car insurance rates online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the biggest savings come from a lesser-known regional company. They may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many instances, drivers have reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

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