2017 Nissan Versa Car Insurance Cost
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UPDATED: May 11, 2022
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Car owners new to comparing prices online are likely to discover locating the cheapest auto insurance is more work than they anticipated.
Finding the best 2017 Nissan Versa car insurance cost is not rocket science. In a nutshell, everyone who carries insurance coverage will most likely be able to save money. But vehicle owners must understand how insurance companies sell insurance online because it can help you find the best coverage.
Buy Auto Insurance Online
Effectively comparing auto insurance prices can be a lot of work if you aren’t aware of the best way to get rate quotes. You could spend your day talking to insurance agencies in your area, or you could use online quoting to get rates in a matter of minutes.
Most of the larger companies participate in a marketplace that enables customers to enter their coverage request one time, and every company can provide price quotes for coverage. This system prevents you from having to do repetitive form submissions to each company.
To participate in this free quote system, click here to open in new window.
The one downside to comparing rates this way is you can’t choose the companies to get quotes from. So if you prefer to choose individual companies to receive pricing from, we have a listing of low cost auto insurance companies in your area.
It doesn’t matter which method you choose, just make sure you use identical coverages and limits for every quote you compare. If you have different liability limits it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverage limits may result in large price differences. And when comparing auto insurance rates, know that comparing a large number of companies gives you a better chance of getting more affordable rates.
Insurance Policy Discounts
Insurance is expensive, but there could be available discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but some discounts are required to be asked about prior to receiving the credit.
- Anti-lock Brakes – Vehicles with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
- More Vehicles More Savings – Buying coverage for more than one vehicle with one company may reduce the rate for each vehicle.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer models.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
As a sidenote, most credits do not apply to the whole policy. Most only reduce specific coverage prices like medical payments or collision. So even though you would think you can get free auto insurance, it doesn’t quite work that way.
A few of the larger companies and some of the discounts are outlined below.
- Farm Bureau policyholders can earn discounts including safe driver, good student, driver training, multi-vehicle, youthful driver, 55 and retired, and multi-policy.
- MetLife offers premium reductions for claim-free, multi-policy, accident-free, good driver, good student, defensive driver
- Progressive may include discounts for good student, online quote discount, multi-policy, homeowner, multi-vehicle, and online signing.
- AAA discounts include education and occupation, good student, multi-car, multi-policy, good driver, pay-in-full, and AAA membership discount.
- American Family has discounts for air bags, multi-vehicle, early bird, mySafetyValet, bundled insurance, and defensive driver.
- GEICO offers discounts for anti-lock brakes, seat belt use, military active duty, five-year accident-free, defensive driver, and daytime running lights.
- State Farm may have discounts that include passive restraint, driver’s education, good driver, student away at school, anti-theft, and safe vehicle.
If you need lower rates, check with all companies you are considering to give you their best rates. Depending on the company, some discounts may not apply to policyholders in your area.
How do I know if I need professional advice?
When it comes to choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every insured’s situation is different.
For example, these questions might help in determining whether your personal situation would benefit from professional advice.
- Does my 2017 Nissan Versa qualify for pleasure use?
- Is a blown tire covered by insurance?
- Should I buy more coverage than the required minimum liability coverage?
- Is my 2017 Nissan Versa covered for smoke damage?
- Does my policy cover me when driving someone else’s vehicle?
- Why do I only qualify for high-risk insurance?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent.
Car Insurance 101
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
This covers damage to your Versa from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like scraping a guard rail, crashing into a building, sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, nursing services, prosthetic devices, pain medications and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like damage from flooding, hitting a deer and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
This protects you from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability coverage pays for things like attorney fees, loss of income, legal defense fees, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.
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