Cheapest Insurance for a Nissan Versa in Vermont

Buying affordable insurance for a Nissan Versa in Vermont depends upon a whole bunch of rating criteria such as whether or not you own a home, your claims history, and blemishes on your driving record. Vermont drivers on average pay around $560 every 12 months for Versa insurance, but that figure is an estimate calculated using a 50-year-old single female driver that wants full coverage and $1,000 policy deductibles.

It’s more than likely you may not be 50 years old (or even female), maybe you are married instead of single, or maybe you rent instead of own your home. Just a very minor change in rating criteria or coverage limits can lead to a big change in quoted rates.

This demonstrates why the most reliable way to find the cheapest insurance price for your Nissan is to regularly compare rates at renewal.

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The trim level of your Nissan will influence the coverage cost, so the price you will be charged to insure a Versa 1.6 SEDAN model will cost $128 less than the price to insure the higher-priced Versa 1.8 SL SEDAN version, as demonstrated by the prices below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Premium costs do not factor in garaging location in Vermont which can increase or decrease coverage prices noticeably.

Ending up with the right company can be difficult considering how many different insurance companies sell coverage in Vermont. The ranking information below could help you select which insurers you want to consider when looking for cheaper rates. The ratings below are only comprised of companies that insure vehicles across America, so smaller regional companies will not be included in the list.

Top 10 Large Auto Insurance Providers in Vermont Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. State Farm – 87%
6. Travelers – 87%
7. USAA – 87%
8. Safeco Insurance – 86%
9. AAA Insurance – 86%
10. American Family – 85%

Top Companies for Nissan Versa Insurance in Vermont

Full coverage versus liability-only in Vermont

Finding the cheapest insurance for a Nissan Versa in Vermont is probably important to the majority of drivers, and one common way to pay lower rates for insurance is to only pay for liability coverage. The chart below shows the difference between insurance premiums when comparing full coverage to liability only. The data assumes no driving violations, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.

Averaged for all age groups, physical damage insurance costs an additional $1,561 per year more than just buying liability only. At some point, almost every driver questions if you should buy full coverage at all. There is no specific rule for dropping comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

How to find economical insurance for a Nissan Versa

Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help drivers quote more affordable coverage.

• Pay for smaller claims out-of-pocket
• The safer your car, the less it costs to insure
• Accident-free drivers may qualify for discounts
• Save money by observing traffic laws and speed limits
• Save money by bundling your home and auto policies
• Look for cheaper rates once a year by shopping around

The last tip is notably crucial, as we noted in this piece. Car insurance rates vary greatly, so you should be ready to buy from a different company if a lower-cost policy is available.

Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that faithfulness ends up costing you several hundred dollars every year. Now is a great time to shop around to find cheaper car insurance for a Nissan Versa.

Cheapest Nissan Versa insurance quotes

Thanks to technology, drivers have a lot of ways to get cheap auto insurance quotes in Vermont, but the most preferred ways are from an exclusive agency such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct either online or via phone. They all follow the same basic process, but shoppers should understand the differences in how they provide price quotes.

Independent agents write business for many companies and can get rate quotes from each one. These types of agents are usually affiliated with several companies and can get prices from more than one company, which may provide you with a better chance of saving money. If cheaper coverage is found, your agent can switch companies which requires no work on your part.

A captive, or exclusive, agent is restricted to just one company, two popular examples being an Allstate or State Farm agent. They generally cannot provide prices from multiple companies, so if rates are not competitive, they cannot give other choices.

The third popular method of shopping for auto insurance is direct, which means you do not use either of the other two types of agents and buy from a direct company like Geico or Progressive. This auto insurance option is a good choice for families who do not have a need for a risk management assessment and have an above average understanding of the limitations of their policy.

Which method is best for finding the cheapest insurance for a Nissan Versa in Vermont? It would be easy to say buying from a direct car insurance company results in the best prices because there is no agent taking a commission, but that is generally not the case. We could also assume that an independent agent is the best way due to increased selection, but that’s not always true, either. In many circumstances, exclusive agencies may have prices that other companies cannot beat.

Since auto insurance prices vary so much, the guaranteed way to ensure the lowest rates is to get quotes and compare. We recommend you get rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.