Cheapest 2012 Nissan Versa Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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I can’t think of a single person who enjoys paying for auto insurance, in particular when their premiums are through the roof. Drivers have multiple insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to find the best rates.
Low Cost Insurance
All the larger insurance companies like Allstate and Progressive allow you to get prices for coverage directly from their websites. The process doesn’t take a lot of time as you simply type in your personal and coverage information into a form. When complete, the system makes automated requests for information on your driving record and credit history and returns pricing information based on these and other factors. Online price quotes makes comparing rates easy, but the work required to visit many different websites and type in the same information is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible in order to get better prices.
There is a better way!
The quickest way to compare insurance pricing uses one form that gets price quotes from many companies. It saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. After sending the form, it gets priced and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and may save quite a bit of money.
To quickly use this form to compare rates, click here and submit the form. If you have your current policy handy, we recommend you replicate the limits and deductibles exactly as shown on your declarations page. This guarantees you are getting a price comparison for the exact same coverage.
Save money by taking advantage of these six discounts
Auto insurance companies don’t always publicize every discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
- Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
- Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
- E-sign – A handful of insurance companies will give a small break for buying a policy and signing up online.
- Federal Employees – Active or retired federal employment may qualify you for a discount on Versa coverage with select insurance companies.
- Safe Drivers – Safe drivers may receive a discount up to 45% less on Versa coverage than drivers with accidents.
- Student in College – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
A partial list of companies that may have some of the above discounts are:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
Check with every prospective company which discounts they offer. Savings might not be offered everywhere.
When should I use an insurance agent?
When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique and your policy should reflect that. These are some specific questions might point out if you might need professional guidance.
- Is rental equipment covered for theft or damage?
- Am I getting all the discounts available?
- Where can I get insurance after a DUI in my state?
- Will I lose any money if I cancel my policy before it expires?
- Do I need roadside assistance coverage?
- Can I make deliveries for my home business?
- Are there companies who specialize in insuring high-risk drivers?
- Will I be non-renewed for getting a DUI or other conviction?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.
Detailed coverages of your insurance policy
Understanding the coverages of a insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.
Comprehensive auto coverage
This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as fire damage, rock chips in glass, theft and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Auto liability insurance
This coverage protects you from damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values 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 property.
Liability coverage protects against things like funeral expenses, legal defense fees, repair costs for stationary objects, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Nissan Versa.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for EMT expenses, prosthetic devices, doctor visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Auto collision coverage
Collision insurance pays for damage to your Versa caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a mailbox, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Frequently Asked Questions
Should I consider collision coverage for my 2012 Nissan Versa?
Collision coverage is insurance that pays for damage to your 2012 Nissan Versa caused by a collision with another vehicle or object. It requires you to pay a deductible, and then the remaining damage will be covered by the collision coverage. Whether you should consider collision coverage depends on factors such as the value of your vehicle and your financial situation. If your vehicle is older or has a lower value, you may consider dropping collision coverage to save on premiums. However, if you still owe money on your car loan or if the vehicle holds significant value, maintaining collision coverage can provide financial protection in case of an accident.
Can I get insurance for my 2012 Nissan Versa after a DUI conviction?
Getting insurance after a DUI conviction may be more challenging, as it typically results in higher insurance premiums. However, there are insurance companies that specialize in providing coverage for high-risk drivers. It’s important to shop around and compare quotes from multiple companies to find the best rates available to you.
Will I lose money if I cancel my insurance policy before it expires?
Cancelling your insurance policy before it expires may result in certain costs or penalties. Insurance companies often charge cancellation fees or may prorate the refund based on the remaining term of the policy. It’s important to review the terms and conditions of your policy or contact your insurance provider to understand the potential costs associated with cancelling your policy early.
Do I need roadside assistance coverage for my 2012 Nissan Versa?
Whether you need roadside assistance coverage for your 2012 Nissan Versa depends on your personal preferences and needs. Roadside assistance coverage can provide services such as towing, jump-starting a dead battery, or changing a flat tire. If you frequently drive long distances, have an older vehicle, or want the peace of mind that comes with roadside assistance, it may be worth considering. However, if you already have alternative roadside assistance coverage through a membership or feel confident in handling minor roadside issues on your own, you may choose to forgo this coverage.
Can I use my 2012 Nissan Versa for making deliveries for my home business?
It’s important to check with your insurance provider to determine if your policy covers using your 2012 Nissan Versa for business purposes such as making deliveries. Personal auto insurance policies may not cover commercial use or deliveries, so you may need to purchase additional coverage or a commercial auto insurance policy to ensure you are adequately protected in case of an accident while using your vehicle for business purposes.
Will I be non-renewed for getting a DUI or other conviction?
Insurance companies have different policies regarding non-renewal after a DUI or other conviction. While some companies may choose to non-renew your policy, others may increase your premiums or require you to obtain an SR-22 certificate. It’s important to review your policy terms and contact your insurance provider to understand their specific guidelines and how it may impact your coverage.
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