2010 Nissan Versa Insurance Rates

Average insurance rates for a 2010 Nissan Versa are $1,156 a year with full coverage. Comprehensive costs approximately $188 a year, collision costs $350, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,510. Teen drivers receive the highest rates at $4,570 a year or more.

Annual premium for full coverage: $1,156

Rate estimates for 2010 Nissan Versa Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Nissan Versa models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences demonstrate why it is important for drivers to compare rates using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Searching for the cheapest insurance for your Nissan Versa can normally be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the absolute fastest way to price shop coverage for your Nissan and find the lowest price either online or from local insurance agents.

It’s a good habit to shop coverage around on a regular basis since rates change quite often. Even if you got the best deal for Versa coverage a couple years back you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but we’re going to give you some excellent ideas to reduce your insurance coverage bill.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but you may find discounts that you may not even be aware of. Some trigger automatically when you complete an application, but some may not be applied and must be asked about before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

• 55 and Retired – Older drivers can possibly qualify for reduced rates for Versa coverage.
• Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
• No Accidents – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
• Accident Waiver – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
• Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
• Drive Less and Save – Low mileage vehicles can qualify you for better rates on cars that stay parked.
• Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
• Multiple Vehicles – Having multiple vehicles on the same auto insurance policy can get a discount on all vehicles.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will bring down the cost of coverage.

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

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• GEICO
• SAFECO
• Liberty Mutual

Double check with each company how you can save money. Savings may not apply in your state.

Comprehensive Car Insurance Comparison Quotes

Getting a cheaper price on 2010 Nissan Versa insurance is not a difficult process. The only requirement is to invest a few minutes to get quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

The recommended way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method prevents you from having to do repetitive form submissions for each company. A single form will return price quotes from multiple low-cost companies. This is by far the quickest method.

Another way to find lower rates requires visiting each company’s website and request a quote. For example, let’s assume you want to compare Farmers, Liberty Mutual and GMAC. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever method you choose, double check that you are using the exact same coverages for every quote you compare. If each company quotes different limits and deductibles on each one then you won’t be able to truly determine the lowest rate.

Situations that might require an agent

When it comes to choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

• Is my ex-spouse still covered by my policy?
• If my pet gets injured in an accident are they covered?
• How high should my uninsured/underinsured coverage be in my state?
• Who is covered when they drive my 2010 Nissan Versa?
• What is roadside assistance coverage?
• How much liability do I need to cover my assets?
• Does my insurance cover damage caused when ticketed for reckless driving?
• How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance policy coverages for a Nissan Versa

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like X-ray expenses, hospital visits, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like legal defense fees, court costs, repair costs for stationary objects, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan Versa.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from flooding, hitting a bird, a broken windshield and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be a penny pincher

Consumers leave their current company for a variety of reasons including not issuing a premium refund, an unsatisfactory settlement offer, poor customer service and questionable increases in premium. It doesn’t matter what your reason, finding the right auto insurance provider can be easier than you think.

Lower-priced 2010 Nissan Versa insurance is attainable online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not provide online quoting and these small, regional companies work with independent agents.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage to discover at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

For more information, take a look at these articles:

• Get the Right Protection (InsureUonline.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Young Drivers: The High Risk Years Video (iihs.org)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Should I Buy a New or Used Car? (Allstate)