Cheaper 2015 Nissan Versa Car Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 30, 2018

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Nissan Versa insurance
Searching for cheaper insurance rates for your Nissan Versa? Locating cheaper insurance for a Nissan Versa can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to buy insurance so you’re going to learn the proper way to quote coverages for a Nissan and get the cheapest rates either online or from local insurance agents.

Elements that influence Nissan Versa insurance rates

It’s important that you understand the factors that go into determining auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in big savings.

  • How your age affects price – Teenage drivers are known to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Discounts for married couples – Having a wife or husband can get you a discount when buying auto insurance. Marriage usually means you are more mature it has been statistically shown that being married results in fewer claims.
  • Optional equipment can affect rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • High numbers of claims are not good – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Car insurance companies provide discounts to people who file claims infrequently. Your insurance policy is intended for larger claims.

Save big with these discounts

Companies do not advertise every discount very clearly, so we researched both well-publicized and the more hidden ways to save on insurance coverage. If you’re not getting every credit available, you’re paying more than you need to.

  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Defensive Driving Course – Taking part in a defensive driving course could save 5% or more if you qualify.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Versa coverage with certain companies.
  • No Charge for an Accident – Certain companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.

It’s important to understand that many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer some of the above discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts may not be available in every state.

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. All the companies say the same thing that you can save if you move your coverage to them.

How can each company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet this ideal profile must pay higher premiums and this can result in business not being written. The ads say “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can advertise the savings. This illustrates why you absolutely need to get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Nissan Versa insurance.

But I don’t know anything about car insurance

When choosing coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • What is an SR-22 filing?
  • How do I insure my teen driver?
  • Is my state a no-fault state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What can I do if my company won’t pay a claim?
  • Are my tools covered if they get stolen from my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving a rental car?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability

This protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for things like pain medications, EMT expenses, rehabilitation expenses, prosthetic devices and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, fire damage, hitting a deer, vandalism and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Nissan Versa.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Take this to the bank

Throughout this article, we presented some good ideas how you can shop for 2015 Nissan Versa insurance 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 be surprised to find that the lowest rates come from an unexpected company.

Insureds switch companies for any number of reasons including delays in paying claims, extreme rates for teen drivers, policy non-renewal or even high prices. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice collision coverage only to find out that it was a big mistake. Your strategy should be to buy the best coverage you can find at an affordable rate.

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