Cheap Insurance Quotes for a Nissan Versa in North Dakota

The chances of finding cheap auto insurance for a Nissan Versa in North Dakota is dependent upon lots of different factors like how long your commute is, your credit status, and physical damage deductibles. Drivers on average pay around $730 every 12 months for Versa insurance, but that price is a valuation that rates a 50-year-old single male driver that wants comprehensive and collision coverage and $1,000 policy deductibles.

It’s more than likely you are not 50 years old and maybe not even male, married instead of single, or maybe your North Dakota zip code is rated higher than the example. Just a very minor change in input factors can produce large changes in quoted rates.

Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap insurance rates for your Nissan is to do a thorough rate comparison.

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The specific model of Versa can impact the insurance rate, so the price you will be charged to insure a Versa 1.6 SEDAN trim level will cost $168 less than the insurance cost for the more expensive Versa 1.8 SL SEDAN version, as demonstrated by the prices below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific location which can decrease or increase premium rates significantly.

Deciphering which companies quote the lowest-priced insurance rates for a Nissan Versa will require a bit more effort in order to find the lowest price quote. Every car insurance company has a unique formula to establish rates, so we’ll take a look at the insurance companies that tend to be cheaper in North Dakota.

It’s important to understand that North Dakota insurance rates are calculated based on many things that can increase the price of coverage. Simply having a birthday, buying higher coverage limits, or getting a DUI may generate price changes that may make certain companies more affordable than competitors.

Cheapest Insurance Rates for Your Versa

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USAA quotes some of the best car insurance rates in North Dakota at around $704 each year. Allied, Nodak Mutual, Grinnell, and State Farm also make the cut as some of the cheapest North Dakota insurance companies.

As depicted above, if you are a customer of Grinnell and switched to USAA, you may realize yearly savings of around $324. Insureds with State Farm might save as much as $416 a year, and Safeco insureds might lower prices by up to $418 a year.

To get a fast rate comparison, click here to begin a quote or quote rates from the companies below.

These prices are averaged for all drivers and vehicles and do not take into consideration a specific rating modification for a Nissan Versa. So the insurer that fits your needs best may not even be shown in the above rate chart. That helps illustrate why you need to compare as many prices as possible using your own individual information.

Get discount North Dakota car insurance rates

Car insurance companies that provide cheap insurance for a Nissan Versa in North Dakota could also offer discounts that could potentially reduce rates by 40% or more if you meet the requirements. Large insurance companies and some of the premium reductions they offer are outlined below.

• State Farm may include discounts for defensive driving training, safe vehicle, driver’s education, good driver, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
• GEICO has savings for daytime running lights, military active duty, good student, federal employee, emergency military deployment, defensive driver, and multi-vehicle.
• Liberty Mutual discounts include safety features, newly married, good student, new vehicle discount, new graduate, and exclusive group savings.
• The Hartford has discounts for good student, driver training, defensive driver, air bag, and anti-theft.
• MetLife may offer discounts for good student, good driver, accident-free, claim-free, defensive driver, multi-policy
• Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, online quote discount, online signing, and good student.

The diagram below illustrates the comparison of insurance costs with and without discounts applied to the rates. Data assumes a male driver, no claims, a clean driving record, North Dakota state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, multiple policy, passive restraint, marriage, multiple vehicle, and homeowner discounts applied. When discounts are factored in, the the average amount saved on insurance for a Nissan Versa is 28% or $438.

The information below shows how choosing a deductible can impact yearly insurance costs when getting quotes for cheap insurance for a Nissan Versa. The premium estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

In the chart above, a 40-year-old driver could lower rates by $276 a year by increasing from a $100 deductible up to a $500 deductible, or save $414 by switching to a $1,000 deductible. Younger drivers, such as the Age 20 example, could possibly save up to $934 annually by using higher deductibles when buying full coverage. When raising deductibles, it will be required to have spare funds to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to find the cheapest car insurance for a Nissan Versa

Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help you locate cheap coverage.

• Vehicles with good safety ratings are usually cheaper to insure
• Do not get traffic tickets
• Avoid having at-fault accidents
• Higher deductibles save money
• Better credit scores save money
• Compare rate quotes often

The last item on the list is particularly important, as we emphasized in this piece. Auto insurance rates vary greatly, so drivers shouldn’t hesitate to switch companies if you can save money. Having a favorite company is great, but it’s not recommended if that dedication is costing major coinage every year. Take a couple minutes and shop around to find cheaper car insurance for a Nissan Versa.

Cheapest car insurance: Allstate, Progressive, Geico, or State Farm

If you want the best insurance for a Versa in North Dakota, four companies to consider are Allstate, Progressive, Geico, and State Farm. All of them have a slightly different set of options and discounts that may affect your buying decision. The data below points out some of the ratings and options you can buy with each company.