2016 Nissan Versa Note Insurance Rates

Want better car insurance rates for your Nissan Versa Note? Having to pay for high-priced Nissan Versa Note insurance can empty your savings and require stricter spending habits. Comparing rates annually is a great way to lower your bills every month.

Insurance companies such as Allstate and Progressive all promote huge savings with advertising and it can be hard to ignore the promise of big savings and do the work needed to find the best deal.

It’s a good habit to get comparison quotes yearly due to the fact that insurance prices fluctuate regularly. Even if you got the best deal for Versa Note coverage on your last policy a different company probably has better premium rates today. You can search a lot of car insurance out there, but you can learn the easiest ways to slash your car insurance rates.

If you currently have car insurance, you will be able to cut costs considerably using these tips. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, consumers can benefit from knowing how companies market on the web and take advantage of how the system works.

How to get auto insurance quotes

When shopping for affordable insurance quotes, there are a couple of ways to obtain and compare prices from companies that offer auto insurance in your state. The easiest way to find cheaper 2016 Nissan Versa Note rates is to perform an online rate comparison. This is quite simple and can be completed in a couple minutes as outlined below.

One of the fastest ways to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate quotes for each company. Completing one form will get you price quotes from all major companies.

A harder way to find more affordable insurance requires a visit to the website of each company and fill out a new quote form. For examples sake, let’s assume you want to compare Auto-Owners, State Farm and Geico. You would have to go to each individual site and enter your information, which can take a lot of time.

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

If you have time to kill, the last method to get price estimates is going to all the different insurance agencies. Comparing rate quotes online eliminates the middleman unless you have a need for the extra assistance that only a licensed agent can provide. If you prefer, some companies allow you to compare online quotes but buy the policy through an agent.

Whichever method you choose, ensure you are comparing the exact same quote information for each quote you get. If you have different liability limits you can’t possibly decipher which rate is best. Just a small difference in coverage limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes will improve the odds of getting the best offered rates. Some insurance companies are not set up to provide online quotes, so you need to compare rates on coverage from those companies, too.

Get lower rates by getting discounts

Companies that sell car insurance don’t always publicize every policy discount very well, so the following is a list of some of the more common in addition to some of the lesser obvious insurance coverage savings.

  • New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper because new vehicles keep occupants safer.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Driving Data Discount – People who choose to allow data collection to analyze where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Active Service Discounts – Being on active deployment in the military could qualify you for better insurance coverage rates.
  • Accident-Free Discounts – Drivers with accident-free driving histories get the best insurance coverage rates compared to drivers who are more careless.
  • Organization Discounts – Belonging to qualifying employment or professional organizations could trigger savings when shopping for insurance coverage.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, it doesn’t quite work that way.

A few companies who may offer these benefits may include but are not limited to:

When comparing rates, check with every insurance company which credits you are entitled to. All car insurance discounts may not apply in your area.

Six tips to get cheap insurance prices

Lots of things are used in the calculation when you get a price on insurance. A few of the factors are predictable like an MVR report, but other criteria are more obscure such as whether you are married or how safe your car is.It’s important that you understand a few of the rating criteria that come into play when calculating car insurance rates. If you have a feel for what determines base rates, this enables informed choices that can help you get lower car insurance prices.

  • Insure car and home with the same company – Lots of insurers give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount applied, drivers will still want to compare other company rates to make sure you are getting the best deal.
  • Save by driving safer cars – Safe vehicles tend to be cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If the Nissan Versa Note is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
  • Physical damage deductibles – Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Nissan. Some coverage claims are a windshield shattered by a rock, damage caused by hail, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money the insured will be required to pay if the claim is covered. The larger the amount the insured has to pay upfront, the bigger discount you will receive for Versa Note coverage.
  • Where you live plays a part – Being located in small towns and rural areas has it’s advantages when it comes to car insurance. Residents of big cities have more traffic problems and a longer drive to work. Less people means less chance of accidents.
  • Driver age impacts costs – Older people have been proven to be more responsible, statistically cause fewer accidents , and are generally more financially stable.Inexperience drivers are statistically proven to get distracted easily with other occupants in the car therefore car insurance rates are much higher.
  • Are males or females drivers cheaper? – The statistics show females are less aggressive when driving. However, don’t assume that women are BETTER drivers than men. Men and women are in at-fault accidents in similar percentages, but men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI). Males from age 16 to 21 cause the most accidents and are penalized with high car insurance rates.

Your insurance coverage should be tailored to you

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Can I drive in Mexico and have coverage?
  • Do I have newly-aquired coverage?
  • Should I put collision coverage on all my vehicles?
  • Is my camper covered by my car insurance policy?
  • What happens if I owe more than my 2016 Nissan Versa Note is worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will my insurance pay for OEM parts?
  • Is my ex-spouse still covered by my policy?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

The car insurance bait and switch

Allstate, Geico and Progressive seem to constantly run ads in print and on television. They all convey the message that drivers will save a bundle if you just switch to their company. How does each company charge lower premium rates?

Different companies give the cheapest rates for the type of customer that earns them the highest profit. For instance, this type of insured may need to be a female over age 40, has few claims, and chooses high deductibles. Any new insured that matches those criteria will qualify for the lowest prices and most likely will save when switching.

People who fall short of this ideal profile will be quoted a higher premium and ends up with the customer not buying. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s the way insurance companies can advertise the savings. Because of this risk profiling, you really should get a wide range of price quotes. It’s just too difficult to predict the company that will provide the lowest premium rates.

Car insurance 101

Understanding the coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage, hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 2016 Nissan Versa Note.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as surgery, ambulance fees, doctor visits, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This can cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as court costs, funeral expenses and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverage protection

This coverage covers damage to your Versa Note resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Be a smart shopper

We covered many tips how you can compare 2016 Nissan Versa Note insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding cheap insurance. You may even find the best price on auto insurance is with a smaller regional carrier. Regional companies often have lower rates on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

Some insurance companies may not provide rate quotes online and these small, regional companies sell through independent agents. Cheaper auto insurance can be found from both online companies and also from your neighborhood agents, so you should compare both to have the best selection.

Additional auto insurance information can be found at these links: