How Much Does 2014 Nissan Versa Note Insurance Cost?

Trying to find better auto insurance rates for your Nissan Versa Note? Expensive auto insurance can dwindle your checking account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to tighten up your finances. Multiple insurance companies compete for your business, so it’s not easy to compare every insurer to get the best price available.

Smart consumers take time to do rate comparisons at least once a year due to the fact that insurance rates are variable and change quite frequently. If you had the lowest rates for Versa Note insurance a few years ago there is a good chance you can find better rates now. So ignore everything you know about auto insurance because you’re about to learn the best way to find lower rates on auto insurance.

Insurance Prices Online

Getting better 2014 Nissan Versa Note insurance pricing is not a difficult process. All that’s required is to take time to compare rate quotes from different insurance companies. This can be done in a couple of different ways.

The fastest way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do separate quote forms for each company. In just a few minutes this one form will get you price quotes instantly.

A slightly less efficient method to obtain and compare quotes online requires a trip to each individual company website and request a quote. For examples sake, let’s assume you want to compare rates from USAA, Farmers and Liberty Mutual. You would have to go to every website to input your insurance information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The least efficient way to compare rates is to waste gas driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you prefer the trained guidance of a local agent. It is possible to compare online quotes but buy from a local insurance agent and we’ll touch on that later.

However you get your quotes, make absolute certain that you use the exact same coverage limits and deductibles for every company. If each company quotes unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Nissan Versa Note.

But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • What if I total my 2014 Nissan Versa Note and owe more than it’s worth?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when driving a rental car?
  • I have a DUI can I still get coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I benefit by insuring my home with the same company?
  • What is roadside assistance coverage?
  • When should I buy a commercial auto policy?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair costs for stationary objects, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your Versa Note from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as ambulance fees, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2014 Nissan Versa Note.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from flooding and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.