2022 Nissan Versa Insurance Rates in 2024 – 6 Ways to Save

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Want the cheapest car insurance rates for your Nissan Versa? Cutting costs on car insurance can seem to be quite difficult for drivers new to online insurance quotes. Drivers have so many options available that it can quickly become a lot of work to find more affordable car insurance rates.

If you currently have car insurance, you should be able to save some money using this strategy. Shopping for more affordable protection is not that difficult. But drivers benefit from understanding the methods companies use to sell online and apply this information to your search.

How much is insurance?

Most companies such as Progressive, Allstate and GEICO give pricing direct online. Doing online quotes doesn’t take much effort because you just enter your personal and coverage information into the quote form. When complete, the quote system collects information on your driving record and credit history and generates a price.

This streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you want to get a lower rate.

There is a better way to compare rates

A better way to find cheaper rates uses just one form to return rates from more than one company. It’s a real time-saver, requires less work, and makes rate comparisons a lot less work. After your information is entered, your coverage is rated and you can choose any of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

In order to compare pricing, simply enter your zip code here and submit the form. If you currently have coverage, we recommend you enter the coverages identical to your current policy. Doing this assures you will be getting a price comparison based on the exact same insurance coverage.

Get lower-cost auto insurance rates with discounts

Some insurance providers do not advertise the entire discount list in an easy-to-find place, so the list below details both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

  • Driver Safety – Taking part in a course in safe driver is a good idea and can lower rates and easily pay for the cost of the class.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Discounts for Federal Employees – Active or former government employment may qualify for a discount when you quote car insurance for Versa insurance depending on your auto insurance provider.
  • Good Driver Discount – Insureds who avoid accidents can pay as much as 50% less for Versa insurance than drivers with accident claims.
  • Policy Bundle Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you will save up to 20% and get you low cost car insurance.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, that’s just not realistic.

To see a list of providers who offer cheap auto insurance quotes, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your situation might need professional guidance.

  • Which is better, split liability limits or combined limits?
  • Does my 2022 Nissan Versa need full coverage?
  • Can I afford to buy a different vehicle if my 2022 Nissan Versa is totaled?
  • Should I buy additional glass protection?
  • Am I covered when driving in Canada or Mexico?
  • How can I find cheaper teen driver insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my nanny covered when driving my vehicle?
  • What are the best liability limits?
  • Am I covered when driving someone else’s vehicle?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete your zip code.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Auto liability insurance – This coverage will cover damage that occurs to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like court costs, loss of income and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, hail damage, hitting a deer and falling objects. The most a insurance company will pay at claim time 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.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills for rehabilitation expenses, hospital visits, funeral costs and EMT expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Nissan Versa.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

A fool and his money are soon parted

As you quote car insurance, never reduce needed coverages to save money. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

Some insurance companies may not provide the ability to get quotes online and many times these regional carriers provide coverage only through independent insurance agencies. Budget-conscious 2022 Nissan Versa insurance is possible online in addition to local insurance agencies, and you should compare rates from both to have the best selection.

We just showed you many tips how you can compare 2022 Nissan Versa insurance car insurance rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers may even find the lowest car insurance rates are with the least-expected company.

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