Lower Your 2020 Nissan Versa Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Looking for better insurance coverage rates for your Nissan Versa? Paying for pricey Nissan Versa insurance can stress out your monthly budget and maybe even restrict other spending. Shopping your coverage around is an excellent way to ensure you are getting the best deal.

You have so many car insurance companies to buy insurance from, and although it’s nice to be able to choose, it makes it harder to get the best deal.

Locating affordable coverage can be fairly easy. If you have a current car insurance policy or are shopping for new coverage, you can use this information to cut your premiums while maximizing coverage. Drivers only need an understanding of the most effective way to compare price quotes on the web.

Find discounts to get cheap insurance coverage rates

Some insurance providers don’t always advertise every policy discount very clearly, so below is a list some of the more common and the more hidden discounts you could be receiving when you buy insurance online.

  • Senior Citizens – If you’re over the age of 55, you could receive a small decrease in premiums on Versa coverage.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies may permit one accident without raising rates so long as you are claim-free prior to the accident.
  • Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote when compared with bad drivers.

Keep in mind that some credits don’t apply to the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way.

A few popular companies and their possible discounts are shown below.

  • AAA may include discounts for AAA membership discount, good driver, pay-in-full, good student, anti-theft, and multi-car.
  • Progressive includes discounts for online signing, homeowner, multi-policy, online quote discount, multi-vehicle, continuous coverage, and good student.
  • State Farm has discounts for good driver, anti-theft, Steer Clear safe driver discount, defensive driving training, driver’s education, multiple policy, and passive restraint.
  • Esurance may have discounts that include safety device, good student, DriveSense, anti-lock brakes, and multi-policy.
  • Nationwide offers premium reductions for business or organization, Farm Bureau membership, multi-policy, accident-free, anti-theft, family plan, and easy pay.

If you want low cost insurance quotes, ask each insurance company what discounts are available to you. Some credits might not be offered on policies in your area. If you would like to choose from a list of insurance coverage companies with the best discounts, enter your zip code here.

The best way to get policy rate comparisons is to know the trick all the major auto insurance companies will pay a fee to give free rates quotes. All consumers are required to do is give them some information like your occupation, how much education you have, how much coverage you want, and the type of vehicles you drive. Your information is automatically sent to all major companies and they return quotes very quickly.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions might point out whether your personal situation may require specific advice.

  • Will my insurance pay for OEM parts?
  • What is the rate difference between pleasure use and commuting?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my spouse’s policy after a separation?
  • What vehicles should carry emergency assistance coverage?
  • How do I buy GAP insurance?
  • Are my friends covered when driving my car?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out your zip code. It is quick, free and you can get the answers you need.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for things like doctor visits, pain medications, funeral costs, prosthetic devices and surgery. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your Versa from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch, sustaining damage from a pot hole, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability car insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means 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 limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, repair costs for stationary objects, court costs, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Versa.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane, rock chips in glass, vandalism and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Final thoughts

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.

Some insurance providers may not offer the ability to get quotes online regional carriers prefer to sell through local independent agencies. The cheapest 2020 Nissan Versa insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection.

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