Who Has Cheap Insurance Quotes for a Nissan Versa in California?

When talking about car insurance, the word “cheap” should never appear anywhere in the article. Nonetheless, cheap car insurance for a Nissan Versa is almost non-existent. Don’t let that discourage you, because we are going to show you how you can quote and buy coverage that is more affordable than your current policy.

Your ability to find cheaper car insurance for a Nissan Versa in California relies on a complex calculation that is influenced by things like how far you commute, whether or not you are currently insured, and blemishes on your driving record. Drivers in California on average pay approximately $1,690 every 12 months to insure a Versa, but that policy rate is an approximation based upon a 40-year-old single female driver that purchased full coverage including both comprehensive and collision and $100 physical damage deductibles.

There is a really good chance that you are not a 40-year-old female, possibly married instead of single, or maybe you just want liability only instead of full coverage. Have just a small change in the factors used in pricing a policy can result in a big discrepancy in the price of coverage.

Auto insurance is not the same for everyone, so the most reliable way to find cheap auto insurance rates for your Nissan is to make a habit of comparing rates at every renewal. Rate quotes are easy and you will receive rate quotes from top-rated companies that sell coverage in California.

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Vehicle trim level will have an impact the cost of insurance, so the price you pay to insure a Versa 1.6 SEDAN model will be $508 less than the insurance cost for the more expensive Versa 1.8 SL SEDAN trim level, as shown in the table below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can influence prices substantially.

Deciphering which insurers offer the lowest-priced insurance rates for a Nissan Versa may require a little more work than just comparing rates from one or two companies. Every insurance provider has a different process to determine rates, so let’s look at the rankings for the insurance companies that tend to have lower prices in California.

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USAA quotes some of the best car insurance rates in California at around $1,109 each year. Century National, Wawanesa, Nationwide, and CSAA would also make the list of some of the most economical California car insurance companies.

As the rates illustrate above, if you are a policyholder with Nationwide and switched to USAA, you might realize annual savings of roughly $117. Customers with CSAA may save as much as $125 a year, and 21st Century policyholders might reduce prices by as much as $257 a year.

It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific rate factor for a Nissan Versa. So the insurer that is best for you may not even be featured in the above list. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

The diagram below illustrates how your choice of deductibles can impact insurance costs when getting quotes for cheap insurance for a Nissan Versa. The data assumes a married male driver, full physical damage coverage, and no discounts are factored in.

A 50-year-old driver could lower their policy premium by $464 a year by changing from a $100 deductible up to a $500 deductible, or save $696 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could potentially save as much as $1,566 each year by choosing a higher deductible.

If you make the decision to raise deductibles, it is a good idea to have spare funds to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Progressive, Geico, Allstate, and State Farm: Who is cheapest?

When shopping for insurance for a Versa in California, the companies with the most market share are Progressive, Geico, Allstate, and State Farm. When added together, they insure over 48% of the entire U.S. market share. The following table ranks some of the different options that are available for buyers.