Penny Pincher Insurance for your Nissan Versa
If finding affordable car insurance was easy, most of us would take the time to do it. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. You might feel the same pain when having to pay the bill on your Nissan Versa.
Step One: Shop Around
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Welcome to the 21st century!
All the major car insurance companies sell insurance for a Nissan Versa and you can compare their rates by entering your information only one time.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Nissan Versa.
Use the Same Coverages! It's really important that when doing multiple quotes for your Versa that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Tried and True Ways to Save on Versa Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Versa.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
Step Three: Choose the Right Company for You
Knowing which company to insure your Versa with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Nissan off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Your existing car insurance policy will give you some coverage if you buy a new or used Versa, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.