Who Has Cheap Insurance for a Nissan Versa in Arkansas?

Our editors keep telling us that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere to describe car insurance prices. It’s a simple fact that cheap car insurance for a Nissan Versa is not always easy to find. Don’t let that spoil your day, because we will show you how you can find car insurance that fits into your budget.

Your odds of finding cheap insurance for a Nissan Versa in Arkansas depends on a complex formula that factors things such as how old you are, your profession, and any prior driving offenses you have. Drivers pay on average $1,050 per year to buy insurance for a Nissan Versa, but that figure is a valuation using a 50-year-old single male driver who requires both comprehensive and collision coverage and $250 physical damage deductibles.

If we were betting, you are not exactly 50 years old and possibly not even male, you might be married instead of single, and there is a good chance that you need different coverage limits than the exampe. Each driver has unique rating factors, so the most reliable way to find the cheapest rates for your Nissan is to compare rates from as many companies as possible.

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The specific trim level will be a contributing factor to the insurance rate, so the rate you will pay to insure a Versa 1.6 SEDAN model will cost $302 less than the insurance cost for the more expensive Versa 1.8 SL SEDAN model, as shown in the table below.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific location information which can change auto insurance rates considerably.

Selecting the top auto insurance company can be rather challenging considering how many choices you have in Arkansas. The company information in the lists below may help you select which auto insurance companies to look at when comparing rate quotes.

The rankings below include companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list. To get rate quotes from the most competitive companies in Arkansas, click here.

Top 10 Large Auto Insurers in Arkansas Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Esurance – A+
6. Progressive – A+
7. The Hartford – A+
8. Allstate – A+
9. Nationwide – A+
10. The General – A-

Top 10 Large Auto Insurers Overall in Arkansas

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Nissan Versa Insurance in Arkansas

The illustration below highlights how deductible selection can increase or decrease premium costs when searching for cheap insurance for a Nissan Versa. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could pocket $354 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $530 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could shave as much as $910 each year by choosing a larger deductible amount.

If you make the decision to raise deductibles, it is essential to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Progressive, Geico, Allstate, or State Farm: Who is best?

If you’re looking for the best insurance for a Versa in Arkansas, the four most popular companies are Progressive, Geico, Allstate, and State Farm. They all offer slightly different coverage options that add value to each policy. The following table compares some of the different features that are available for buyers.

How to get cheap insurance for a Nissan Versa in Arkansas

The list below details some money-saving suggestions that can help you buy cheap auto insurance.

• Bundle home and auto and earn a discount
• The safer your car, the less it costs to insure
• Good credit can mean cheaper rates
• Drop full coverage on older vehicles
• Do not get into accidents that are your fault
• Check for cheaper rates once a year

The last suggestion is very critical, as we hit on in the prior article. Insurance prices go up and down frequently, so don’t be hesitant to switch to a new company if a lower price can be found. We understand brand loyalty, but is isn’t recommended if that dedication is costing lots of hard earned cash every month. It only take a few minutes to shop around and find cheaper car insurance for a Nissan Versa.