2014 Nissan Versa Insurance Cost – 7 Ways to Save

Want the cheapest insurance coverage rates for your Nissan Versa? Finding affordable insurance coverage is always a challenge for consumers not familiar with shopping for insurance online. You have so many choices that it can turn into more work than you anticipated to find lower rates.

The purpose of this article is to teach you how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Nevertheless, car owners can benefit from knowing how big insurance companies sell insurance online and take advantage of how the system works.

Compare Quotes for Car Insurance

Most major insurance companies give prices for coverage on their websites. Getting quotes is fairly simple as you simply type in your coverage information as detailed in the form. When the form is submitted, the system obtains reports for credit and driving violations and generates a price based on many factors.

This makes it a lot easier to compare rates but the process of having to visit many different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find the best price on car insurance.

The preferred way to compare car insurance pricing uses one simple form to get prices from several companies at one time. It saves time, requires much less work on your part, and makes comparison shopping a lot less work. As soon as you send your information, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes just a few minutes to complete and can result in significant savings.

To fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter the coverage information identical to your current policy. This helps ensure you will be getting rate quotes based on identical coverages.

Get lower rates on 2014 Nissan Versa insurance

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of purchase, but some must be specifically requested in order for you to get them.

  • Accident Free – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Versa coverage depending on your company.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.

A partial list of companies that may have some of the above discounts include:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

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

  • Should I buy only the required minimum liability coverage?
  • Where can I find high-risk insurance?
  • Are split liability limits better than a combined single limit?
  • Why is insurance for a teen driver so high?
  • Do I need an umbrella policy?
  • What is the minimum liability in my state?
  • When do I need to add a new car to my policy?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverage details

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding 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 things such as scraping a guard rail, sideswiping another vehicle, crashing into a building and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for nursing services, hospital visits, rehabilitation expenses, ambulance fees and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Nissan Versa.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance – This will cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, pain and suffering and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a deer, damage from a tornado or hurricane and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Buy Smart and Save

Insureds who switch companies do it for a variety of reasons including poor customer service, denial of a claim, unfair underwriting practices or lack of trust in their agent. Whatever your reason, switching companies is actually quite simple.

Lower-priced 2014 Nissan Versa insurance can be bought on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

In this article, we presented many ways to compare insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the best price on insurance is with an unexpected company.

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