Compare 2014 Nissan Versa Insurance Quotes

Trying to find the cheapest insurance for your Nissan Versa can be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find insurance online and you need to know the quickest way to price shop coverage on a Nissan and find the cheapest rates either online or from local insurance agents.

Verify you’re earning every discount

Not many people think insurance is cheap, but you might find some hidden discounts to cut the cost considerably. A few discounts will be applied at the time of quoting, but once in a while a discount must be asked for before being credited.

  • Accident Free – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
  • Low Mileage Discounts – Low annual miles could earn cheaper prices.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Early Signing – Some insurance companies provide a discount for switching companies early. It’s a savings of about 10%.
  • Life Insurance – Larger car insurance companies have a discounted premium rate on car insurance if you buy life insurance from them.
  • Safety Restraint Discount – Requiring all passengers to use their safety belts could save 15% on medical payment and PIP coverage.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • E-sign Discounts – Many insurance companies will give a small break simply for signing on the internet.

As a sidenote, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and the discounts they provide include:

  • State Farm may offer discounts for good driver, good student, accident-free, multiple policy, safe vehicle, defensive driving training, and anti-theft.
  • GEICO has discounts for anti-theft, federal employee, multi-policy, daytime running lights, driver training, and multi-vehicle.
  • SAFECO offers discounts for accident prevention training, teen safety rewards, bundle discounts, anti-theft, homeowner, and safe driver.
  • Farmers Insurance has savings for good student, alternative fuel, teen driver, distant student, multi-car, early shopping, and youthful driver.
  • AAA may have discounts that include multi-car, good driver, AAA membership discount, anti-theft, education and occupation, and multi-policy.
  • USAA includes discounts for safe driver, loyalty savings, annual mileage, new vehicle, family discount, and multi-policy.

When getting a coverage quote, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier may not apply in your area. If you would like to see a list of insurers with significant discounts, click here to view.

How to shop insurance coverage online

Finding a lower price on 2014 Nissan Versa insurance doesn’t have to be difficult. Drivers just need to take a few minutes comparing rates from some recommended companies. It’s super easy and can be done by using one of the methods below.

  • The most efficient way to get quotes is to use a rate comparison form click to view form in new window. This easy form keeps you from doing repetitive form entry to each individual insurance coverage company. Filling out one form will return price quotes instantly. Recommended for those who want to invest the least amount of time.
  • A more time consuming way to get quotes online requires you to visit each company’s website and fill out a new quote form. For example, we’ll assume you are doing a rate comparison from Allstate, GEICO and Farmers. To get each rate you have to spend time on each company’s site and repeatedly enter your information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, try to keep identical coverages and limits on every quote you get. If you have differing limits it’s impossible to determine the lowest rate for your Nissan Versa.

When should I discuss my situation with an agent?

When buying coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Exactly who is provided coverage by my policy?
  • At what point should I drop full coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my custom paint covered by insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I pay less for low miles?
  • Can I make deliveries for my home business?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, loss of income and court costs. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, theft, vandalism, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Versa.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for dental work, prosthetic devices, nursing services, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your Versa caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Don’t break the bank

People leave their current company for any number of reasons including extreme rates for teen drivers, poor customer service, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

Some insurance companies do not provide internet price quotes and usually these small, regional companies sell through independent insurance agencies. Discount 2014 Nissan Versa insurance is available online as well as from independent agents, so you need to compare both to have the best rate selection.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many instances, consumers will sacrifice liability coverage limits only to find out they didn’t have enough coverage. The aim is to get the best coverage possible for the lowest cost, not the least amount of coverage.

For more information, take a look at the resources below: