Cheapest 2014 Nissan Versa Note Insurance Rates in 2023
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UPDATED: Jun 10, 2023
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Looking for lower auto insurance rates for your Nissan Versa Note? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Numerous auto insurance companies battle to insure your vehicles, so it can be very hard to choose a company and get the definite lowest rate
It’s a great practice to price shop coverage every six months because insurance rates are variable and change quite frequently. Just because you had the lowest rates for Versa Note insurance a couple years back other companies may now be cheaper. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the easiest way to reduce your cost while increasing coverage.
How to Compare Insurance Coverage Rates
There are several ways to compare Nissan Versa Note insurance coverage quotes, but some are less time-consuming than others. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet for quick rates.
Most of the larger companies enroll in a system where prospective buyers send in one quote, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions for each company.
To compare 2014 Nissan Versa Note rates now click here (opens in new window).
The only downside to getting quotes like this is buyers cannot specifically choose the providers you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.
Whichever way you use, ensure you’re using identical coverage information for every quote you compare. If your comparisons have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.
The fine print in insurance ads
Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to make the same claim of big savings after switching to them.
But how can every company claim to save you money? This is how they do it.
Insurance companies are able to cherry pick for the right customer they prefer to insure. An example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and has excellent credit. Any driver who fits that profile will get the preferred rates and as a result will probably save when switching.
Consumers who don’t measure up to the “perfect” profile will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that much money. That is how insurance companies can make the claims of big savings. Because of the profiling, it’s extremely important to compare many company’s rates. Because you never know which insurance company will have the lowest Nissan Versa Note insurance rates.
Cut your premium with these six discounts
Companies offering auto insurance do not list all available discounts very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit available, you’re paying more than you need to.
- Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
- Multiple Policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
- Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
- Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
- Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
- Homeowners Discount – Being a homeowner may trigger a insurance policy discount because maintaining a house requires personal responsibility.
Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
To see a list of insurers with discount insurance rates, click this link.
What is the best insurance coverage?
When choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover whether your personal situation would benefit from professional advice.
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered if I hit my neighbor’s mailbox?
- How much liability do I need to cover my assets?
- Where can I find DUI or SR-22 insurance?
- Does my 2014 Nissan Versa Note need full coverage?
- Does my policy cover me when driving someone else’s vehicle?
- When should my teen driver be added to my policy?
- Am I better off with higher deductibles on my 2014 Nissan Versa Note?
- Does car insurance cover theft of personal property?
If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.
Car insurance coverages for a Nissan Versa Note
Having a good grasp of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.
Comprehensive auto coverage
This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hitting a deer, a broken windshield and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Nissan Versa Note.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for expenses such as chiropractic care, funeral costs, surgery, nursing services and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Coverage for collisions
Collision insurance pays for damage to your Versa Note from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Liability car insurance
Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as court costs, repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.
Keep this in mind
In this article, we covered quite a bit of information on how to lower your 2014 Nissan Versa Note insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the smaller companies. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm, GEICO and Nationwide.
When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where an insured dropped physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.
Lower-priced insurance can be bought both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and most of the time these small insurance companies sell through independent agents.
To learn more, feel free to browse the following helpful articles:
- Rollover Crash FAQ (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Winter Driving (Insurance Information Insitute)
- Your Car has been Stolen: Now What? (Allstate)
- Help Your Teen Be a Better Driver (State Farm)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
Frequently Asked Questions
How can I compare insurance coverage rates for my Nissan Versa Note?
There are several ways to compare insurance coverage rates for your Nissan Versa Note. One convenient option is to use the internet to obtain quick quotes from multiple companies. Many larger insurance companies participate in a system where you can submit one quote request, and they will provide you with a price quote based on your information. Another option is to choose individual insurance companies to receive quotes from. Ensure that you use identical coverage information for every quote you compare to determine the best rate.
How do insurance companies claim to save money?
Insurance companies often claim to save you money by cherry-picking customers who fit a specific profile that they prefer to insure. These preferred customers typically have certain characteristics such as being between the ages of 30 and 50, having a clean driving record, and excellent credit. By targeting these customers, insurance companies can offer them lower rates and advertise the savings that result from switching. It’s important to compare rates from multiple insurance companies to find the one that offers the lowest rates for your Nissan Versa Note.
What discounts can help lower my insurance premium?
Insurance companies offer various discounts that can help lower your premium. Here are six common discounts to consider:
- Good driver discount: If you have a clean driving record with no accidents or tickets, you may qualify for this discount.
- Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and homeowners insurance, you could receive a discount.
- Safety features discount: If your Nissan Versa Note is equipped with safety features like anti-lock brakes or airbags, you may be eligible for this discount.
- Good student discount: If you’re a student with good grades, you could receive a discount on your insurance premium.
- Low mileage discount: If you don’t drive your vehicle often or have a low annual mileage, you may qualify for this discount.
- Pay-in-full discount: If you pay your premium in full upfront instead of monthly installments, you may be eligible for a discount.
How do I choose the best insurance coverage for my Nissan Versa Note?
The best insurance coverage for your Nissan Versa Note depends on your unique situation. There is no “best” method that applies to everyone. To determine the coverage you need, consider factors like your budget, the value of your vehicle, your driving habits, and any specific risks you want to protect against. It’s recommended to consult with an insurance agent who can provide personalized advice based on your needs and help you choose the right coverage options and limits.
What are the typical coverage types available for auto insurance?
Auto insurance policies include various coverage types. Here are some common ones:
- Comprehensive coverage: This coverage pays for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or weather-related damage.
- Collision coverage: This coverage pays for damage to your vehicle caused by a collision with another vehicle or object.
- Liability coverage: This coverage protects you if you cause injury or property damage to others in an accident. It includes bodily injury liability and property damage liability.
- Uninsured/underinsured motorist coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have sufficient coverage.
- Medical payments/Personal injury protection (PIP) coverage: These coverages help pay for medical expenses for you and your passengers in case of an accident, regardless of who is at fault. The specific coverages and limits you choose should be based on your individual needs and requirements.
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