Cheap Insurance Quotes for a Nissan Versa in North Carolina

When the topic is auto insurance, the words cheap or affordable really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Unfortunately, cheap car insurance for a Nissan Versa can be hard, if not impossible, to find. Don’t get your dauber down, because we will teach you how you can find and buy auto insurance that won’t break your budget.

Finding cheap insurance for a Nissan Versa in North Carolina relies on lots of different rating factors like whether or not your vehicle has good safety ratings, if you have maintained coverage continuously, and any prior driving offenses. Drivers in North Carolina on average pay approximately $820 every 12 months to buy Nissan Versa insurance, but that rate is an estimation based on a 30-year-old married female driver that wants both comprehensive and collision coverage and $100 policy deductibles.

There’s a high likelihood you’re not a 30-year-old female, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Insurance is an individual thing, so your best chance at finding cheap car insurance rates for your Nissan is to take your time and compare rates from as many companies as possible.

Cheapest Nissan Versa Insurance Rates

The specific trim level will likely have an effect on the cost of coverage, so the rate you will pay to insure a Versa 1.6 SEDAN model will cost $256 less than the insurance cost for the more expensive Versa 1.8 SL SEDAN version, as shown in the prices below.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific zip code location which can change premiums noticeably.

Deciphering which company offers the cheapest car insurance rates for a Nissan Versa may require more time in order to find the lowest price. Each auto insurance company has a different formula for determining rates in each state, so let’s look at the rankings for the car insurance companies with the overall cheapest rates in North Carolina.

Cheapest Insurance Rates for Your Versa

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Progressive offers some of the best car insurance rates in North Carolina at around $639 per year. Utica National, Liberty Mutual, Penn National, and NC Farm Bureau would also be considered some of the cheaper North Carolina car insurance companies.

In this example, if you are a policyholder with Liberty Mutual and switched to Progressive, you might achieve annual savings of upwards of $68. Customers with Penn National may save as much as $78 a year, and NC Farm Bureau policyholders might cut rates by $91 a year.

Bear in mind that those premium estimates are averaged for all insureds and vehicles and and are not calculated with a specific rate factor for a Nissan Versa. So the insurer that fits your needs best may not even be featured in the list of companies above. That helps illustrate why you need to get rate quotes from many companies using your own driver data and vehicle information.

Discounts on North Carolina insurance rates

Insurance providers that sell cheap insurance for a Nissan Versa in North Carolina could also offer policy discounts that could potentially reduce rates by as much as 30% if you meet specific criteria. Larger car insurance companies and their possible discounts are shown below.

• GEICO discounts include seat belt use, good student, federal employee, multi-policy, anti-theft, and air bags.
• SAFECO offers discounts for bundle discounts, anti-lock brakes, safe driver, drive less, accident prevention training, homeowner, and multi-car.
• State Farm offers discounts including good student, good driver, passive restraint, student away at school, defensive driving training, and driver’s education.
• MetLife offers premium reductions for multi-policy, good driver, good student, defensive driver, and accident-free.
• 21st Century may offer discounts for early bird, teen driver, homeowners, driver training, and anti-lock brakes.
• Progressive has discounts for online quote discount, multi-policy, online signing, continuous coverage, and homeowner.

The information below compares yearly insurance costs with and without discounts applied. The price estimates are based on a male driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with defensive driving course, vehicle safety, accident-free, homeowner, claim-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for a Nissan Versa is 28% or $360.

Find cheap insurance for a Nissan Versa in North Carolina

Lowering your rates is not difficult, and here are some of the recommended thrifty ideas that can help North Carolina drivers get lower-cost auto insurance.

• Buying home and auto insurance together can earn discounts
• Improve your credit score
• Increase your policy deductibles
• Do not pay for full coverage on older vehicles
• Vehicles with safetly features generally cost less to insure
• If possible, do not file small claims
• Shop around for cheaper prices

The last suggestion is remarkably important, as was pointed out in the prior article. Prices charged by companies change frequently, so don’t be tentative to change to a new company if you find a cheaper price. Having a favorite company is fine, but it’s not a great idea if that dedication is costing thousands of dollars over several years. Take a couple minutes and compare rates to find cheaper auto insurance for a Nissan Versa.