Cheapest 2019 Nissan Versa Insurance Rates in 2023
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UPDATED: Aug 24, 2022
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Looking for the cheapest auto insurance rates for your Nissan Versa? Are you burned out from trying to scrape together enough money to pay high auto insurance rates every month? You’re in the same situation as many other drivers.
Since you have so many companies to choose from, it is very difficult to locate the lowest cost auto insurance provider.
You need to shop coverage around every six months because insurance rates tend to go up over time. Despite the fact that you may have had the lowest premium rates for Versa insurance on your last policy other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to find out one of the easiest ways to find great coverage at a great price.
Do you qualify for discounts?
The cost of insuring your cars can be expensive, but you might already qualify for some discounts that can help lower your rates. Most are applied at the time of quoting, but lesser-known reductions have to be specially asked for in order for you to get them.
- More Vehicles More Savings – Having several vehicles with the same insurance coverage company can get a discount for every vehicle.
- Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when shopping for insurance coverage.
- Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
- Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
- Defensive Driving Course – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
- Homeowners Savings – Owning a home may trigger a policy discount on insurance coverage because owning a home shows financial diligence.
- No Claims – Claim-free drivers have much lower rates when compared with accident-prone drivers.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Paperwork-free – Certain insurance companies will give you a small discount get auto insurance over the internet.
Discounts save money, but please remember that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
Larger insurance coverage companies and some of their more popular discounts can be found below.
- The Hartford offers discounts for vehicle fuel type, bundle, driver training, defensive driver, anti-theft, air bag, and good student.
- American Family offers premium reductions for good driver, multi-vehicle, defensive driver, early bird, and good student.
- Progressive policyholders can earn discounts including good student, online signing, homeowner, multi-policy, and multi-vehicle.
- Travelers may have discounts that include driver training, new car, multi-policy, multi-car, payment discounts, and IntelliDrive.
- Farmers Insurance offers discounts including switch companies, multi-car, distant student, bundle discounts, alternative fuel, teen driver, and youthful driver.
- USAA may offer discounts for defensive driver, loyalty savings, vehicle storage, annual mileage, military installation, safe driver, and multi-vehicle.
- Liberty Mutual has savings for safety features, multi-car, teen driver discount, new move discount, and multi-policy.
Before you buy a policy, ask every company to apply every possible discount. Discounts may not be offered in your area. If you would like to view providers that can offer you the previously mentioned discounts, enter your zip code here.
The easiest way to compare rates is to realize all the major auto insurance companies have advanced systems to provide you with free rate quotes. All consumers are required to do is provide a little information like whether your vehicle is owned or leased, how old drivers are, the make and model of your vehicles, and whether you are married. Your insurance information is then sent to multiple companies and they respond with quotes quickly.
If you wish to get multiple quotes for your Nissan Versa now, click here and see if a lower rate is available.
How to lower your insurance costs
Consumers need to have an understanding of some of the things that come into play when calculating your policy premiums. If you have a feel for what determines premiums, this enables informed choices that can help you get big savings. Many different elements are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but others are less obvious such as your credit history or how financially stable you are.
- Accidents increase costs – Having just one moving violation may cause rates to rise forty percent or more. Good drivers pay less for auto insurance compared to drivers with tickets. Drivers who have received flagrant tickets like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
- What’s your car’s safety rating? – Vehicles with good safety scores get lower rates. These vehicles reduce occupant injuries and better occupant protection means lower claim amounts and thus lower rates. If your Nissan Versa has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
- Cheaper rates with high coverage deductibles – Physical damage deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of covered claims are collision with another vehicle, damage from fire, and damage from wind. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Versa insurance.
- Drive less and save – The more miles you rack up on your Nissan annually the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than those that get driven frequently. Incorrect rating for your Versa can result in significantly higher rates. It’s a good idea to make sure your vehicle rating states the correct usage.
Don’t assume everyone needs the same insurance coverage
When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions may help you determine if you would benefit from professional advice.
- Do I have coverage when pulling a U-Haul trailer?
- Am I missing any policy discounts?
- Who is covered when they drive my 2019 Nissan Versa?
- Why am I required to buy high-risk coverage?
- Are rock chip repairs covered?
- Is my 2019 Nissan Versa covered for flood damage?
- What are the financial responsibility laws in my state?
- Should I buy additional glass protection?
- Am I covered if I hit a deer?
- Does my 2019 Nissan Versa qualify for pleasure use?
If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete your zip code.
Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.
Collision coverage – Collision insurance pays for damage to your Versa caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like colliding with another moving vehicle, crashing into a ditch, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from 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 can pay for things like damage from a tornado or hurricane, hitting a deer, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Auto liability – Liability insurance provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as legal defense fees, medical services and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Nissan Versa.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills like funeral costs, hospital visits, doctor visits, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
And the best car insurance company is…
You just learned a lot of ways to compare 2019 Nissan Versa insurance premium rates online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your prices. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower prices in certain areas than the large multi-state companies such as State Farm and Allstate.
Some companies do not offer the ability to get a quote online and usually these small, regional companies work with independent agents. Lower-priced insurance is available both online as well as from insurance agents, so you need to compare both to have the best rate selection.
Additional insurance information is located at the links below
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- Electronic Stability Control FAQ (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)
- Distracted Driving Statistics (Insurance Information Insitute)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Distracted Driving Extends Beyond Texting (State Farm)
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