Save on 2023 Nissan Versa Insurance Cost 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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Purchasing lower-cost insurance might seem rather difficult for people new to comparing rates and buying insurance online. With a ridiculous number of companies competing online, how can people have time to compare every insurance company to find lower insurance premiums?

Shopping for the lowest cost protection is quite easy. Essentially anyone who shops for auto insurance will most likely be able to lower their premiums. Although vehicle owners do need to understand how the larger insurance companies market on the web because it can help you find the best coverage.

First Step: Get free car insurance quotes

When shopping for affordable insurance quotes, there are a couple of ways of comparing price quotes from many car insurance companies in your state. The fastest way to find the lowest 2023 Nissan Versa rates is to jump online and get quotes. This can be done in a couple minutes as outlined below.

  • The most efficient method consumers can analyze rates is to use a rate comparison form. This method saves time by eliminating separate quotation requests for each company. Taking the time to complete one form gets insurance cost estimates from multiple companies. Just one form and you’re done.
  • Another way to find better pricing is spending the time to visit the website of each company and request a quote. For examples sake, let’s assume you want to get rates from Auto-Owners, Safeco and GEICO. You would be required to take the time to go to each site and type in your information over and over, and that’s why the first method is more popular.
  • The old school method to get comparison rates is physically going to different agent offices. Shopping for car insurance online makes this unnecessary unless you have a need for the professional abilities that only a licensed agent can provide. However, consumers can price shop your coverage online but buy the policy through an agent.

Compare rates however you want, just be sure you’re using apples-to-apples coverage limits for each price quote. If the quotes have different data you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages may result in large price differences. It’s important to know that getting more free quotes will improve the odds of getting a lower rate.

Find discounts on insurance

Some insurance providers don’t always list their entire list of discounts in a way that’s easy to find, so here is a list some of the best known as well as the least known credits available to bring down your rates.

  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your insurance quote.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of 20 to 30 percent.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid monthly service charges.
  • Policy Bundle Discount – If you combine your auto and homeowners policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Paperless Signup – Some of the larger companies will provide an incentive for completing your application on the internet.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.

Discounts save money, but please remember that most discount credits are not given to the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will lower the amount you pay for coverage.

For a list of insurance companies that offer multiple discounts, enter your zip code here.

Nissan Versa insurance prices can be cheaper

Many different elements are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are not quite as obvious like your continuous coverage and annual miles driven.

  • Accidents inflate rates – Being a careful driver has a lot to do with how much you pay for insurance. Good drivers pay lower auto insurance prices than their less careful counterparts. Even a single driving citation can increase the cost of insurance to the point where it’s not affordable. Drivers unfortunate enough to have dangerous tickets like DUI or reckless driving are required to complete a SR-22 with their state in order to prevent their license from being revoked.
  • Better insurance rates on vehicles with better crash test results – Cars with five star safety ratings can get you lower premiums. Safe vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.
  • Alarms and GPS tracking systems cut insurance rates – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder auto theft.
  • Married drivers pay lower premiums – Being married helps lower the price on insurance. It usually means you are more stable financially and statistics prove married drivers tend to file fewer claims.
  • Certain jobs raise premiums – Careers such as fire fighters, social workers and stock brokers tend to pay higher premium rates in part from intense work requirements and long work days. On the flip side, occupations like farmers, engineers and the unemployed have the lowest average rates on Versa coverage.
  • Never let your insurance policy expire – Allowing your coverage to lapse is a quick way to increase your rates. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a revoked license or a big fine.
  • Amount of liability coverage – Liability insurance provides coverage if ever you are determined to be liable for damages caused by your negligence. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • Is my teen driver covered when they drive my company car?
  • Do I pay less for low miles?
  • What exactly is covered by my policy?
  • How can I force my company to pay a claim?
  • Does coverage extend to my business vehicle?
  • What is the minimum liability in my state?
  • Do I need more liability coverage?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code.

Slick advertising tricks that work

Popular auto insurance providers such as GEICO, State Farm and Progressive seem to constantly run ads on television and other media. They all say the same thing that you’ll save big just by moving your coverage. How does every auto insurance company charge lower premium rates? You have to listen carefully.

Many companies have an ideal profile for a prospective insured that will be a good risk. An example of this type of driver could be a married female, owns a home, and drives less than 5,000 miles a year. A customer who fits that profile is entitled to the best price and will most likely save a lot of money.

Drivers who cannot meet this stringent profile will probably have to pay a higher premium and this results in the customer buying from a different company. The trick companies use is to say “people that switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can make those claims.

This really illustrates why you need to compare rate quotes every year. Because you cannot predict the company that will have the best premium rates for your profile.

Specific coverage details

Knowing the specifics of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, damage from a tornado or hurricane, fire damage, vandalism and damage from flooding. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – This coverage will cover damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might 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 property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair bills for other people’s vehicles, emergency aid, court costs and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision coverages – This pays for damage to your Versa resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for surgery, prosthetic devices, hospital visits and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Smart consumers save more

Some insurance providers do not provide the ability to get quotes online and these small insurance companies only sell coverage through independent agents. Low-cost 2023 Nissan Versa insurance is possible online in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture.

When shopping online for insurance coverage, never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

We just showed you many ideas to compare 2023 Nissan Versa insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with a lesser-known regional company.

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