2009 Nissan Versa Insurance Cost – 6 Ideas for Cheaper Prices
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UPDATED: May 12, 2022
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Searching for the cheapest car insurance rates for your Nissan Versa? Are you sick and tired of being strong-armed to buy car insurance? You’re in the same situation as many other drivers. Online insurance companies like State Farm and GEICO increase brand awareness with ads and it can be hard to see past the geckos and flying pigs and find the best price available.
It is always a good idea to compare prices every six months since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Versa coverage on your last policy other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn the best methods to save money, get proper deductibles and limits, all at the lowest rate.
If you have a current car insurance policy or need a new policy, you can learn to find the best rates and still get good coverage. Buying car insurance is not that difficult. Drivers just need to learn the proper way to compare price quotes over the internet.
Are you getting all your discounts?
Car insurance companies do not list all their discounts in a way that’s easy to find, so here is a list both the well known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
- Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Versa coverage with certain companies.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Memberships – Participating in a qualifying organization is a good way to get lower rates on your policy on Versa coverage.
Consumers should know that many deductions do not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.
To see a list of insurance companies with the best car insurance discounts, click here to view.
How to Lower Your Car Insurance Cost
Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the easiest way. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use the internet to maximize your effort.
Many popular insurance companies belong to an insurance system where insurance shoppers send in one quote, and each company returns a rated price. This prevents consumers from doing quotation requests for every car insurance company.
To find out what other companies charge for 2009 Nissan Versa insurance click here to start a free quote.
The only downside to doing it this way is you cannot specify the companies to get quotes from. If you prefer to choose specific insurance companies to compare rates, we have a listing of car insurance companies in your area. Click here for list of insurance companies.
It doesn’t matter which method you choose, just make sure you use the exact same coverages for each price quote. If your comparisons have higher or lower deductibles it will be next to impossible to make a fair comparison for your Nissan Versa.
When might I need an agent?
When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining if you would benefit from professional advice.
- What is UM/UIM insurance?
- What is covered by UM/UIM coverage?
- Can I afford low physical damage deductibles?
- Does my policy cover me when driving someone else’s vehicle?
- Why am I be forced to buy a membership to get insurance from some companies?
- Is my 2009 Nissan Versa covered for smoke damage?
- If I drive on a suspended license am I covered?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Insurance coverage specifics
Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for immediate expenses for funeral costs, nursing services, pain medications and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Auto liability insurance
This provides protection from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things such as structural damage, emergency aid, bail bonds, medical expenses and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, vandalism, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This coverage will pay to fix damage to your Versa resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as hitting a mailbox, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.
Online plus local equals savings
You just read many ways to shop for 2009 Nissan Versa insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest priced insurance coverage comes from some of the lesser-known companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.
Cheap insurance can be found from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. A few companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Additional detailed information is available in these articles:
- Auto Insurance FAQ (Farmers Insurance)
- Rental Reimbursement Coverage (Allstate)
- Get the Right Protection (InsureUonline.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Should I Buy a New or Used Car? (Allstate)
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