2011 Nissan Versa Insurance Quotes

Paying for pricey Nissan Versa insurance can overdraw your monthly budget and force you to make sacrifices. Comparison shopping is a great way to tighten up your finances.

Consumers have multiple insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more challenging to compare rates.

You need to do price comparisons once or twice a year since rates change frequently. Despite the fact that you may have had the best premium rates on Versa coverage a couple years back you can probably find a lower rate today. There is lot of inaccurate information about auto insurance online, but you can learn some tested techniques to quit paying high auto insurance rates.

Shopping for cheaper protection can be fairly easy. If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Drivers just need to know the best way to get comparison rates online.

Free insurance quotes

Getting a cheaper price on 2011 Nissan Versa insurance is pretty simple and can save money. Consumers just need to take time comparing rates to discover which company has affordable insurance quotes. Price comparisons can be done using one of these methods.

One of the simplest ways to find low rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for a different quote for each company. Completing one form gets coverage cost estimates direct from many companies.

A slightly less efficient method to find better pricing consists of going to the website of each company and repeat the quote process again and again. For examples sake, we’ll pretend you are doing a rate comparison from USAA, Liberty Mutual and Allstate. To find out each rate you need to spend time going to each site individually to input your insurance information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

The hardest way to shop rates is physically going to all the different insurance agencies. Quoting online can eliminate the need for a local agent unless you want the professional advice of a licensed agent. If you prefer, some companies allow you to comparison shop online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just ensure you are comparing identical deductibles and coverage limits for each quote you get. If you compare different limits and deductibles on each one you can’t possibly truly determine the lowest rate.

Car insurance discounts help reduce rates

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even know about. A few discounts will be applied when you get a quote, but some discounts are required to be requested specifically in order for you to get them.

  • ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Defensive Driving Course – Taking part in a course in safe driver could possibly earn you a 5% discount and also improve your driving technique.
  • Payment Method – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • No Claim Discounts – Claim-free drivers pay much less as opposed to drivers with a long claim history.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
  • Bundled Policy Discount – If you combine your homeowners and auto policies and insure them with the same company you will save up to 20% and get you inexpensive insurance.
  • Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote insurance on Versa coverage with certain companies.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Versa coverage compared to rates paid by drivers with frequent claims.

It’s important to note that many deductions do not apply to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

Some companies who may offer most of these discounts include:

If you need lower rates, check with all companies you are considering to give you their best rates. Some credits might not be offered in your area. If you would like to see a list of car insurance companies with discount rates, follow this link.

The Nissan Versa insurance cost equation

Many different elements are taken into consideration when quoting car insurance. Some of the criteria are obvious like an MVR report, but other factors are not quite as obvious such as whether you are married or your financial responsibility.When buying insurance coverage it’s important to understand some of the elements that help calculate the rates you pay for insurance coverage. If you have some idea of what determines premiums, this enables informed choices that could help you find better insurance coverage rates.

The itemized list below are a few of the things used by insurance companies to determine prices.

  • You might get higher costs if you are single – Walking down the aisle may earn you lower rates on your insurance coverage bill. Marriage demonstrates that you tend to be more stable financially and it’s proven that married couples file fewer claims.
  • Rates increase with driving citations – Drivers with clean records have lower premiums than their less careful counterparts. Only having one driving citation may increase your cost to the point where it’s not affordable. Drivers with license-revoking violations such as reckless driving or DUI may need to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Is insurance coverage cheaper for females or males? – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Women and men tend to get into at-fault accidents at about the same rate, but men get into accidents with more damage. They also get ticketed for serious violations like driving under the influence (DUI).
  • Never let your insurance coverage policy expire – Having a gap between insurance policy dates is a sure-fire way to increase your renewal premiums. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time.
  • Save money with higher coverage deductibles – Comprehensive and collision coverage deductibles tell how much you are willing to pay before your insurance coverage pays a claim. Protection for physical damage, aka comp and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a stationary object, damage from fire, and damage caused by road hazards. The more expense you’re willing to pay, the bigger discount you will receive on Versa coverage.
  • If you don’t need it don’t buy it – There are quite a few extra add-on coverages that can waste your money if you aren’t careful. Things like vanishing deductibles, accidental death, and membership fees are examples of these. They may sound like good ideas when buying your policy, but if they’re wasting money eliminate them to save money.
  • Higher prices for high stress employers – Did you know that where you work can have an impact on rates? Occupational choices like military personnel, executives and medical professionals tend to pay the highest rates in part from stressful work requirements and lots of time spent away from family. On the flip side, careers such as farmers, students and the unemployed have the lowest average rates on Versa coverage.

Which is the best insurance coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • Why do I need rental car insurance?
  • I don’t drive much so do I pay less?
  • Does my insurance cover my expensive audio equipment?
  • How much liability do I need to cover my assets?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance coverages explained

Having a good grasp of car insurance can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from getting keyed, falling objects, theft and damage from flooding. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Versa resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all 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 insurance – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things such as loss of income, court costs, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Don’t throw your cash in the trash

Throughout this article, we presented many ideas to save on 2011 Nissan Versa insurance. The key thing to remember is the more rate quotes you have, the better likelihood of getting inexpensive insurance. Consumers could even find that the biggest savings come from a smaller regional carrier. They may only write in your state and offer lower prices as compared to the big name companies such as Allstate, GEICO and Progressive.

A few companies may not provide online quoting and these smaller providers only sell through independent agencies. Cheaper insurance coverage can be sourced online and from local insurance agents, so you need to compare both to have the best chance of lowering rates.

Much more information about insurance coverage can be found at these links: