Save on 2021 Nissan Versa Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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Trying to find cheaper auto insurance rates for your Nissan Versa? Searching for cheaper insurance for your Nissan Versa could be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to quote coverages for your Nissan and find the lowest possible price.

Consumers should take time to quote other rates quite often because insurance prices are constantly changing. Even if you got the lowest price on Versa insurance last year other companies may now be cheaper. You can find a lot of wrong information about auto insurance on the web, but I’m going to show you some excellent ideas to lower your auto insurance rates.

Shopping for affordable protection can be fairly easy. If you have a current insurance policy or are just looking to switch companies, you can learn to get lower rates while maintaining coverages. Consumers only need an understanding of the proper methods to compare rates over the internet.

Use discounts on insurance

Car insurance can cost a lot, but you may find discounts that may help make it more affordable. Most are applied when you get a quote, but some must be specifically requested prior to getting the savings. If you don’t get every credit available, you could be paying more than you need to.

  • Defensive Driver – Participating in a course in driver safety can save you 5% or more if your company offers it.
  • Include Life Insurance and Save – Some insurance carriers give a discounted price on car insurance if you buy a life policy as well.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Nissan could qualify for lower prices on the low mileage vehicles.
  • Accident-Free Discounts – Drivers who stay claim-free have much lower rates in comparison with bad drivers.
  • Renewal Discounts – A few larger companies offer discounts for signing up before your current coverage expires. It can save you around 10%.
  • Passenger Safety Discount – Factory options such as air bags can qualify for discounts of 25 to 30%.
  • Homeowners Discount – Owning a house can save you money because owning a home shows financial diligence.
  • Anti-lock Brake System – Vehicles that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.

Please keep in mind that many deductions do not apply to the whole policy. Most only cut specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will lower the amount you pay for coverage.

Auto insurance companies that may have some of the discounts shown above include:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

If you want low cost car insurance quotes, ask each insurance company how you can save money. Depending on the company, some discounts may not be available in your area. If you would like to choose from a list of insurers that offer discounts, enter your zip code here.

How to buy insurance online

Finding more affordable 2021 Nissan Versa insurance rates can be quick and easy. You just have to take a few minutes to get quotes to find the company with cheaper car insurance quotes. Price comparisons can be done in just a few minutes using one of these methods.

  • The easiest and least time consuming way to get quotes is a comparison rater form. This type of form prevents you from having to do separate forms for each company you want a rate for. One simple form gets you coverage quotes from insurance companies with the best prices. It’s definitely the quickest method.
  • Another way to obtain and compare quotes online consists of going to the website of each company and repeat the quote process. For instance, let’s assume you want to compare rates from Allstate, Progressive and Travelers. You would be required to spend time on each company’s site and enter your policy data, which can get rather old.

It doesn’t matter which method you choose, just make sure you compare apples-to-apples quote information with every price quote. If you enter unequal deductibles or liability limits you can’t possibly make an equal comparison.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions might help in determining whether or not you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2021 Nissan Versa is totaled?
  • What is PIP insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Which companies will insure high-risk drivers?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy high-risk coverage?
  • Do I need roadside assistance coverage?
  • Is my cargo covered for damage or theft?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I hit a deer?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and may give you better protection.

Coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive auto insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and hail damage. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses, attorney fees and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your Versa resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, hitting a parking meter, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Nissan Versa.

Due to the fact that many drivers 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 important protection for you and your family. Usually these limits are set the same as your liability limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, doctor visits, EMT expenses and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t throw your cash in the trash

More affordable car insurance is available on the web and with local insurance agents, and you should compare rates from both to get a complete price analysis. A few companies do not provide internet price quotes and these regional carriers provide coverage only through independent agents.

Insureds who switch companies do it for a variety of reasons including policy non-renewal, denial of a claim, high rates after DUI convictions or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an accident victim reduced full coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

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