How Much Does 2010 Nissan Versa Insurance Cost?

Searching for better insurance rates for your Nissan Versa? Locating better insurance prices for your Nissan Versa can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare insurance rates so you’re going to learn the best way to get price quotes for a Nissan and find the cheapest rates.

Buying car insurance is easy if you know what you’re doing. If you have a current car insurance policy or need new coverage, you can use this information to cut your premiums while maintaining coverages. Drivers just need to understand the most effective way to shop their coverage around online.

Six tips to get cheaper insurance premiums

Multiple criteria are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are more obscure such as your credit history or your vehicle rating.It’s important that you understand the factors that help determine your premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that will entitle you to better auto insurance rates.

Shown below are a few of the “ingredients” that factor into your prices.

  • Insurance companies don’t like frequent insurance claims – Insurance companies give lower rates to drivers who file claims infrequently. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • Liability coverage is cheap – The liability coverage on your policy provides coverage if you are responsible for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense starting from day one. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Lower annual miles equals lower premium – The higher the miles on your Nissan each year the more you will pay for auto insurance. Almost all companies calculate prices based on how the vehicle is used. Autos that are left in the garage get more affordable rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Versa can cost quite a bit. It’s a smart idea to ensure your vehicle rating is rated on the right rating data.
  • Men drivers tend to cost more – Over time, data shows that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Both genders cause auto accidents at a similar rate, but guys have costlier accidents. Not only that, but men also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Youthful drivers cost more – Teenage drivers are statistically proven to get distracted easily behind the wheel so they pay higher auto insurance rates. Older, more experienced drivers are proven to be safer behind the wheel, are lower risk to insure and get fewer tickets.
  • GPS tracking and theft deterrents lower auto insurance rates – Choosing to buy a car that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can help prevent your car from being stolen.

The most recommended method to compare insurance rates from multiple companies is to understand most of the larger companies provide online access to compare rate quotes. The one thing you need to do is give them some information including level of coverage desired, if the car is leased, the make and model of your vehicles, and types of safety features. Your rating data gets sent immediately to all major companies and you will get price comparisons with very little delay.

Insurance policy discounts you can’t miss

Some providers do not list every disount available very clearly, so the below list has a few of the more common and also the more inconspicuous credits that may apply to you. If you are not receiving all the discounts available, you are throwing money away.

  • Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
  • Multiple Policy Discount – If you can bundle your auto and home insurance with the same insurance company you could save up to 20% and get you the cheapest insurance coverage.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower insurance rates.
  • Safety Course Discount – Successfully completing a course in defensive driver could earn you a small percentage discount depending on where you live.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. It could save around 10% when you buy insurance coverage online.
  • Good Student – This discount can save 20 to 25%. Most companies allow this discount well after school through age 25.
  • Claim-Free Discount – Drivers who stay claim-free can save substantially as compared to bad drivers.

Policy discounts save money, but most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way.

The best insurance companies and some of their more popular discounts are outlined below.

  • State Farm may have discounts that include good driver, passive restraint, accident-free, safe vehicle, and defensive driving training.
  • GEICO offers premium reductions for anti-theft, membership and employees, daytime running lights, five-year accident-free, military active duty, and defensive driver.
  • SAFECO includes discounts for anti-theft, anti-lock brakes, drive less, bundle discounts, teen safety rewards, accident prevention training, and multi-car.
  • Farmers Insurance may include discounts for early shopping, youthful driver, alternative fuel, distant student, mature driver, and bundle discounts.
  • AAA offers discounts including multi-car, multi-policy, education and occupation, anti-theft, good driver, and AAA membership discount.
  • USAA policyholders can earn discounts including annual mileage, good student, loyalty savings, multi-vehicle, safe driver, military installation, and multi-policy.

It’s a good idea to ask each company how many discounts you can get. Some credits might not be offered on policies in your state.

Insurance agents can help

When choosing coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • Should I rate my 2010 Nissan Versa as pleasure use or commute?
  • Is a blown tire covered by insurance?
  • What if I total my 2010 Nissan Versa and owe more than it’s worth?
  • What are the best liability limits?
  • Is business equipment covered while in my vehicle?
  • When should I drop full coverage on my 2010 Nissan Versa?
  • Why do I need rental car insurance?
  • Should I have a commercial auto policy?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Car insurance specifics

Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, EMT expenses, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability car insurance

This coverage can cover damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, medical services, funeral expenses, pain and suffering and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 2010 Nissan Versa.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

This covers damage to your Versa resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, hitting a mailbox, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from flooding, rock chips in glass, hail damage and a broken windshield. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Better coverage you can count on

In this article, we presented a lot of ways to shop for 2010 Nissan Versa insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with a smaller regional carrier.

People leave their current company for a number of reasons such as denial of a claim, being labeled a high risk driver, lack of trust in their agent and delays in responding to claim requests. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured dropped liability coverage limits only to regret that they should have had better coverage. The proper strategy is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

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