2013 Nissan Versa Insurance Rates – 5 Savings Tips

If you’re searching for cheaper insurance online, do you get overwhelmed by the crazy number of insurance coverage sources in your area? There are so many choices that it is more work than you anticipated to find better premium rates.

Consumers should take time to quote other rates quite often because prices change regularly. Even if you got the best price on Versa insurance a few years ago you can probably find a better rate quote now. Block out anything you think you know about insurance coverage because you’re about to learn one of the easiest ways to find better rates and still maintain coverage.

Free insurance quotes

To get the cheapest insurance quotes, there a variety of ways to get quotes from local insurance companies. The best method to compare rates is to jump online and get quotes. This is quite simple and can be completed in several different ways.

  • If you are pressed for time, the simplest way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method keeps you from doing separate forms for every company. Filling out one form will return quotes from multiple companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to shop for insurance online requires a trip to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you need rates from State Farm, GEICO and Farmers. You would have to go to each individual site and repeatedly type in your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

The method you choose is up to you, but double check that you are using exactly the same quote information for each quote you get. If you compare different values for each quote it’s not possible to determine which rate is truly the best. Even a minor difference in insurance coverages may result in a large different in cost. Keep in mind that comparing a wide range of rates will improve the odds of getting more affordable rates.

Car insurance discounts help slash rates

The price of auto insurance can be rather high, but you may be missing some discounts that can help lower your rates. Certain discounts will be applied when you complete an application, but a few must be asked for before being credited.

  • Payment Method – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
  • Discount for Passive Restraints – Cars that have air bags may qualify for discounts of more than 20%.
  • Distant Student – College-age children who live away from home at college and won’t have access to an insured vehicle could get you a discount.
  • Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on Versa insurance with some car insurance companies.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Just because you may think you could get a free car insurance policy, it’s just not the way it works. But all discounts will reduce the premium cost.

To view car insurance companies with the best car insurance discounts, click this link.

Which is the best car insurance?

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I get collision insurance on every vehicle?
  • Does car insurance cover theft of personal property?
  • Am I covered if I wreck a rental car?
  • Is my custom paint covered by insurance?
  • Is there coverage for injuries to my pets?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverage basics

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects, pain and suffering, structural damage and attorney fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like funeral costs, ambulance fees, surgery, hospital visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision protection

This pays for damage to your Versa from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your 2013 Nissan Versa.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Cheaper insurance is a realistic goal

Low-cost 2013 Nissan Versa insurance can be found online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. A few companies may not provide rate quotes online and many times these regional insurance providers only sell through local independent agents.

You just read many ideas to lower your 2013 Nissan Versa insurance prices. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with some of the smallest insurance companies.

When getting insurance quotes online, make sure you don’t buy poor coverage just to save money. Too many times, someone sacrificed collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

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