Cheap 2012 Nissan Versa Car Insurance Rates

Looking for lower insurance coverage rates for your Nissan Versa? Are you overwhelmed by the wide range of insurance coverage company choices? Lot’s of other consumers are too. There are so many options available that it can turn into a real hassle to locate the lowest price.

Comprehensive Insurance Coverage Comparison

To find the best insurance coverage prices, there are several ways to get quotes from local insurance coverage companies. The easiest way by far to find the cheapest 2012 Nissan Versa insurance rates consists of obtaining rate quotes online. This can be done in several different ways.

  1. The easiest and least time consuming way to get quotes is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do boring form submissions for each company you want a rate for. One quote request will get you rate comparisons from multiple low-cost companies. This is by far the quickest method.
  2. A less efficient way to shop for insurance coverage online requires a trip to the website of each company to request a price quote. For sake of this example, we’ll pretend you want rates from USAA, 21st Century and American Family. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

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

  3. The least recommended method to compare rates is driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you want the trained guidance of a licensed agent. It is possible to price shop online but still have the advice of a local agent and you’ll learn how to do that later.

Whichever method you choose, ensure you’re using apples-to-apples coverage information on every quote you get. If you are comparing higher or lower deductibles it’s not possible to make a fair comparison for your Nissan Versa. Slightly different coverages could mean much higher rates. And when quoting insurance coverage, remember that obtaining a wide range of quotes helps you find lower pricing.

Do you qualify for a discount?

Companies offering auto insurance don’t always publicize every discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden auto insurance savings.

  • Good Student – Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Own a Home – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • College Student – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that may have some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. Discounts may not be available in every state.

What coverages do I need?

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might help in determining if you might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • When would I need rental car insurance?
  • Do I need roadside assistance coverage?
  • Does my 2012 Nissan Versa need full coverage?
  • Do I have coverage if my license is suspended?
  • I don’t drive much so do I pay less?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if I wreck a rental car?
  • Is my state a no-fault state?
  • Am I better off with higher deductibles on my 2012 Nissan Versa?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Some factors that can determine what Nissan Versa insurance costs

An important part of buying insurance is that you know the factors that play a part in calculating the price you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with big savings.

Shown below are a partial list of the pieces companies use to determine rates.

  • Rates may be lower depending on your job – Occupations like real estate brokers, social workers and financial analysts have higher average rates in part from high stress and lengthy work days. Conversely, occupations such as farmers, engineers and the unemployed get better rates for Versa coverage.
  • Pay less after the wedding – Getting married helps lower the price on insurance. Having a significant other means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, you still need to compare other company rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from a different company.
  • Traffic citations inflate rates – Drivers who don’t get tickets get better rates compared to drivers with tickets. Just one citation can bump up the cost by as much as thirty percent. If you have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can buy on your 2012 Versa policy. Things like rental car reimbursement, towing coverage and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money remove them from your policy.
  • More miles equals more premium – Driving more miles in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your insurance coverage is showing the proper vehicle usage. If your policy improperly rates your Versa may be costing you.
  • Older drivers pay less – Mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers are known to be less responsible in a vehicle and because of this, their insurance rates are much higher.
  • Don’t sacrifice liability coverage – Liability insurance is the protection in the event that you are found to be at fault for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not skimp.

Specific coverage details

Knowing the specifics of car insurance can help you determine the right coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, a tree branch falling on your vehicle, a broken windshield and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for hospital visits, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision protection

This covers damage to your Versa resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, driving through your garage door, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to 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” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

This coverage protects you from damage or injury you incur to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, repair costs for stationary objects, emergency aid and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Make an honest buck

Lower-priced 2012 Nissan Versa insurance is definitely available both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just covered a lot of information how to reduce insurance prices online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may discover the lowest premiums are with a small local company.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to regret they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.

Additional insurance coverage information is available at these links: