2016 Nissan Versa Insurance Cost

Looking for better insurance rates for your Nissan Versa? Finding better insurance prices for your Nissan Versa can normally be a painful process, but you can use a few tricks to save time.

There is a better way to buy insurance and we’ll show you the proper way to get price quotes for a new or used Nissan and find the lowest possible price from local insurance agents and online providers.

You should make it a habit to do rate comparisons before your policy renews because insurance prices tend to go up over time. Despite the fact that you may have had the best quotes on Versa coverage on your last policy you can probably find a better rate now. Block out anything you think you know about insurance because you’re going to learn the proper way to reduce your cost while increasing coverage.

If you have insurance now or are shopping for new coverage, you can learn to cut your premiums while maximizing coverage. Pricing the cheapest insurance coverage is easy if you know what you’re doing. Drivers just need to understand the most effective way to shop their coverage around online.

Cheap insurance rates with discounts

Companies offering auto insurance don’t list all available discounts in a way that’s easy to find, so the below list has a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If you don’t get every credit you qualify for, you are not getting the best rate possible.

  • Own a Home and Save – Just owning your own home can save you money because owning a home shows financial diligence.
  • More Vehicles More Savings – Buying a policy with more than one vehicle on a single policy can reduce the rates for all insured vehicles.
  • Bundle and Save – If you can bundle your home and auto insurance and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% on Versa coverage with a few insurance companies.
  • Passenger Safety Discount – Options like air bags or motorized seat belts may get savings of 20 to 30 percent.
  • Responsible Driver Discounts – Accident-free drivers may receive a discount up to 45% on Versa coverage than drivers with accidents.
  • Military Discounts – Being on active deployment in the military could mean lower premium rates.
  • Driver Safety – Taking part in a defensive driver class could cut 5% off your bill depending on where you live.

Keep in mind that most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts should help reduce the premium cost.

If you would like to see a list of insurance companies that offer multiple discounts, click here to view.

How you can control Nissan Versa insurance prices

Lots of things are part of the calculation when pricing auto insurance. Most are fairly basic like your driving record, but others are less apparent like where you live and annual miles driven.

  • High premiums for teen drivers – Older people are viewed as being more responsible, tend to file fewer claims and get fewer tickets.Beginning drivers are known to be less responsible when driving with friends and because of this, their insurance rates are much higher.
  • Liability coverage – A critical coverage on your policy, liability insurance is the protection when you are ruled to be at fault for personal injury or accident damage. It provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Too many insurance claims will drive premiums up – Car insurance companies generally give cheaper rates to insureds who are claim-free. If you file claims often, you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • Higher prices for coverage lapses – Driving without insurance coverage in place is illegal and insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance could result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Do women or men drive better? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men have at-fault accidents in similar percentages, but guys have costlier accidents. Men also get higher numbers of serious violations like DUI and reckless driving.
  • Extra policy coverages that may not be needed – There are a lot of extra add-on coverages that can waste your money if you aren’t diligent. Coverages like personal injury protection, towing, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.

Tailor your insurance coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I missing any policy discounts?
  • Am I covered if I drive in a foreign country?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is my camper covered by my car insurance policy?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, loss of income and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage 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 hitting a parking meter, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like nursing services, surgery and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hail damage, theft and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Versa.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Spend less. Save more.

Consumers switch companies for a number of reasons such as policy non-renewal, being labeled a high risk driver, not issuing a premium refund and poor customer service. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

Throughout this article, we presented some good ideas how to save on 2016 Nissan Versa insurance. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest auto insurance. You may even discover the best rates are with the smaller companies.

When searching for the cheapest auto insurance quotes, never reduce coverage to reduce premium. There are many occasions where someone dropped liability coverage limits only to find out they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

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