2024 Nissan Versa Insurance Rates

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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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Want the cheapest car insurance rates? Drivers have options when trying to find low-cost Nissan Versa insurance. You can either waste hours calling around trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to compare car insurance rates and you need to know the proper way to price shop coverage for a new or used Nissan and get the cheapest rates from both online companies and local agents.

It is always a good idea to get comparison quotes before your policy renews because prices tend to go up over time. Despite the fact that you may have had the best deal for Versa coverage last year a different company probably has better premium rates today. Ignore everything you know about car insurance because you’re about to learn the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Compare insurance quotes online

Most of the larger companies allow consumers to get price estimates on their websites. Getting online rates doesn’t take much effort as all you need to do is type in as detailed in the form. When the form is submitted, the system collects your driving and credit reports and quotes a price.

This makes it simple to compare prices but the work required to visit several different sites and fill out multiple forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you want to find the lowest price.

An easier way to lower your insurance bill requires only one form that gets prices from many companies. It’s a real time-saver, reduces the work, and makes quoting online much easier. After sending the form, it is rated and you can select any one of the returned quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To get comparison pricing now, simply enter your zip code here and submit your coverage information. If you have a policy now, it’s recommended you replicate exactly as they are listed on your policy. This makes sure you will be getting an apples-to-apples comparison for similar coverage.

Smart buyers know how to buy car insurance more affordably

Multiple criteria are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, although others are more transparent such as your marital status or how financially stable you are.

Listed below are a partial list of the pieces used by your company to calculate rates.

  • Insurance rates for married couples – Getting married may earn you lower rates when shopping for car insurance. Having a significant other is viewed as being more financially stable and insurance companies like that married drivers get in fewer accidents.
  • High comp and collision deductibles save money – Protection for physical damage, also known as collision and other-than-collision, is used to repair damage to your Nissan. Examples of covered claims would be a broken windshield, damage caused by hail, and rolling your vehicle. Deductibles for physical damage define how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money you’re willing to pay, the better rate you will receive for Versa coverage.
  • Cautious drivers pay less – Having a single moving violation can increase rates substantially. Careful drivers pay less for auto insurance compared to bad drivers. Drivers who have multiple violations such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.
  • More than one policy can earn a discount – Some insurance companies allow a discount for people who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you qualify for this discount already, you still need to check prices from other companies to help ensure you have the lowest rates.

Drivers can save with with these discounts

Some insurers do not advertise every available discount very well, so here is a list a few of the more well known and the more hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy a life policy as well.
  • Paperless Signup – Many insurance companies may give you up to $50 simply for signing on your computer.
  • Driver Training Discounts – Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings because of the fact that having a home is proof of financial responsibility.
  • First Accident Forgiveness – Not necessarily a discount, but certain companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Good Student Discount – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
  • Onboard Data Collection – Drivers that enable data collection to spy on when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if offered at their school.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurance companies that provide some of the discounts listed above, enter your zip code here.

Your situation helps dictate your coverage

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • What is PIP insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford low physical damage deductibles?
  • Do I need rental car coverage?
  • Are my friends covered when driving my 2024 Nissan Versa?
  • What if I owe more than I can insure my car for?
  • Should I buy full coverage?
  • Do I pay less for low miles?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Having a good grasp of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2024 Nissan Versa.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Auto liability

Liability insurance can cover damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

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 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability can pay for claims like funeral expenses, structural damage and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, nursing services, hospital visits, ambulance fees and chiropractic care. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed, damage from flooding and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Better coverage you can count on

The cheapest 2024 Nissan Versa insurance can be purchased on the web and with local insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some companies may not provide internet price quotes and these smaller companies provide coverage only through independent agents.

When getting auto insurance quotes online, never buy poor coverage just to save money. In too many instances, drivers have reduced physical damage coverage only to discover later that it was a big error on their part. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

You just read a lot of ways to save on 2024 Nissan Versa insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding inexpensive auto insurance. Consumers may even find the most savings is with a lesser-known regional company.

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