Nissan Versa Insurance – 9 Discounts You Might be Unaware of

Drivers have a choice when trying to find low-cost Nissan Versa insurance. They can either waste time struggling with agents trying to get quotes or use the internet to make rate comparisons. There are both good and bad ways to find car insurance online and you need to know the best way to compare rates for a new or used Nissan and find the best price possible either online or from local insurance agents.

It’s a great practice to get comparison quotes once or twice a year since rates change quite often. If you had the lowest price on Versa insurance a couple years back you will most likely find a better rate today. Ignore everything you know about car insurance because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.

How to Get Cheap Car Insurance

Most major insurance companies allow you to get coverage prices on their websites. Getting online quotes doesn’t take much effort as you just type in your coverage information into the quote form. When complete, their rating system makes automated requests for information on your driving record and credit history and generates a price based on many factors.

Online quotes helps simplify price comparisons, but the time required to go to several different sites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find the lowest possible prices on car insurance.

The quickest way to lower your car insurance bill requires only one form to obtain quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much easier. Once the form is submitted, your coverage is rated and you are able to buy any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you will know how your current rates stack up.

To quickly fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended that you enter coverages and limits as close as possible to your current policy. This guarantees you will get comparison quotes for the exact same coverage.

Verify you’re getting all your discounts

Car insurance companies don’t list every available discount very well, so we break down both well-publicized and also the lesser-known car insurance savings. If you don’t get every credit possible, you’re paying more than you need to.

No Accidents – Claim-free drivers can save substantially as compared to accident-prone drivers.
Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
55 and Retired – Older drivers can possibly qualify for a small decrease in premiums on Versa insurance.
Auto/Home Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
Homeowners Discount – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.
Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.
Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

A little note about advertised discounts, some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurers with discount car insurance rates, follow this link.

Comparing rates from local agents

Some people would rather sit down with an agent and that is OK! Insurance agents can answer important questions and help file insurance claims. One of the best bonuses of price shopping on the web is you may find better rates but still work with a licensed agent.

By using this short form, your insurance coverage information is emailed to insurance agents who will compete for your insurance coverage. You don’t have to visit any agencies since price quotes are sent directly to your email. Now that’s easy!

Deciding on a company should depend on more than just the price. Any agent should have no problem answering these questions:

If your car is totalled, how to they determine the replacement cost?
Do they receive special compensation for putting your coverage with one company over another?
What is the agency’s Better Business Bureau rating?
Are you getting all the discounts the company offers?
Can they give you a list of client referrals?
If your car is in the repair shop, do you have coverage for a rental car?
Do the coverages you’re quoting properly cover your vehicle?
Does the agency provide any after hours assistance?

Multiple types of insurance agents

When searching for an insurance agent, you need to know there are two types of insurance agents to choose from. agents can either be independent or captive. Both types can properly insure your vehicles, but it’s important to know how they differ because it can impact buying decisions.

Agency Captives

This type of agents work for only one company like American Family, Liberty Mutual and AAA. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captives are very knowledgeable on their company’s products which can be an advantage. Some people will only buy from captive agents partially due to loyalty to the company and strong financial ratings.

Independent Agents (or Brokers)

These agents are not locked into one company so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, you should always include price quotes from at a minimum one independent agency for the best price selection. Most have the option of insuring with smaller regional carriers which can save you money. car insurance

For a complete listing of insurance agencies, click here.

Upon receiving positive responses to all your questions and locked in a price quote, you may have just found an insurance agent that can provide car insurance coverage.

It’s not one size fits all

When it comes to buying proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs may require specific advice.

Is a new car covered when I drive it off the dealer lot?
What is the difference between comprehensive and collision coverage?
Do I benefit by insuring my home with the same company?
Should I buy additional glass protection?
Are there companies who specialize in insuring high-risk drivers?
Why does it cost so much to insure a teen driver?
I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Don’t be fooled by advertising claims

Consumers can’t get away from ads for car insurance savings by companies like State Farm, GEICO and Progressive. They all have a common claim that you’ll save big if you switch to them.

How do they all make the same claim?

Insurance companies are able to cherry pick for the type of customer that makes them money. For instance, a desirable insured might be profiled as a mature driver, owns a home, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t qualify for this ideal profile must pay more money and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can advertise the savings. This illustrates why you absolutely need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Car insurance coverage considerations

Having a good grasp of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism, hitting a deer, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages – Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as repair bills for other people’s vehicles, legal defense fees, attorney fees, medical services and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as nursing services, ambulance fees, doctor visits, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Versa.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

A tidy conclusion

Consumers leave their current company for any number of reasons including poor customer service, high prices, an unsatisfactory settlement offer and even not issuing a premium refund. Regardless of your reason for switching companies, switching car insurance companies can be easier than you think.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford while still protecting your assets.

Discount Nissan Versa insurance is attainable online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.