Compare Nissan Versa Insurance Quotes in Virginia Beach

Are you doing reasearch to find the cheapest Nissan Versa insurance in Virginia Beach? Sick and tired of being strong-armed to buy insurance? You are no different than millions of other people.

It’s safe to assume that insurance companies don’t want policyholders to shop around. Insureds who shop for lower prices will, in all likelihood, buy a different policy because there is a good chance of finding more affordable rates. A recent study showed that consumers who routinely compared quotes saved approximately $70 a month as compared to drivers who don’t make a habit of comparing rates.

If finding budget-friendly rates on Nissan Versa insurance in Virginia Beach is the reason you’re reading this, then having a good understanding the best way to compare insurance premiums can save time and make the process easier.

Companies like GEICO and Progressive constantly blast consumers with ad campaigns and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s important to do price comparisons every six months because prices change quite often. Just because you found the lowest price on Nissan Versa insurance in Virginia Beach two years ago you can probably find a better rate now. You can search a lot of Versa insurance on the internet, but you can learn some excellent ideas to stop overpaying for insurance in Virginia Beach.

If you have a current insurance policy, you will be able to get lower rates using the techniques presented in this article. Locating the most cost-effective insurance policy in Virginia Beach is quite easy. Nevertheless, Virginia vehicle owners need to have an understanding of how companies charge you for coverage and apply this information to your search.

The fastest way that we advise to get rate comparisons for Nissan Versa insurance in Virginia Beach is to understand car insurance companies will pay a fee to give you rate quotes. The one thing you need to do is spend a couple of minutes providing details including which vehicles you own, your education level, your occupation, and how many miles driven. Those rating factors gets transmitted to insurance carriers in your area and you should receive rate quotes immediately.

To compare affordable Nissan Versa insurance rates now, click here and find out if lower rates are available in Virginia Beach.

The auto insurance companies shown below offer free quotes in Virginia. If multiple companies are listed, it’s highly recommended you visit as many as you can to get the lowest price.

Insurance rate breakdown

The rate table below showcases detailed analysis of rate quotes for Nissan Versa models. Understanding more about how prices are established is important for drivers to make decisions when shopping your coverage around.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific location information which can influence rates considerably.

Higher deductibles lower rates

When comparing insurance rates, the most common question is where should you set your physical damage deductibles. The premium rates below can help show the rate fluctuation of buying low and high policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in garaging location in Virginia Beach which can impact coverage prices substantially.

We can estimate from the data above that using a $250 deductible will cost you about $20 more each month or $240 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 38 months between claims, you would most likely save money if you opt for a higher deductible.

How accidents and tickets impact rates

The illustration below demonstrates how speeding tickets and at-fault collisions drive up Nissan Versa auto insurance costs for different ages of insureds. The rates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

Insurance cost for men versus women

The diagram below illustrates the difference between Nissan Versa insurance costs for male and female drivers. Data assumes no accidents or driving violations, full coverage, $250 deductibles, single marital status, and no discounts are factored in.

Choosing vehicle insurance is an important decision

Even though it can be expensive, insuring your vehicle is required in Virginia but it also protects you in many ways.

• Almost all states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance in order to license the vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If your Nissan has a loan, it’s most likely the lender will require you to carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may insure your Nissan at a much higher premium rate and force you to pay a much higher amount than you were paying before.
• Insurance protects not only your Nissan but also your financial assets. Insurance will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.

The benefits of buying car insurance more than cancel out the cost, especially when you need to use it. As of last year, the average driver in Virginia is overpaying more than $825 a year so compare rate quotes at every renewal to ensure rates are inline.

Coverages available on your insurance policy

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Versa.

Because many people have only the minimum liability required by law (25/50/20 in Virginia), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Collision coverage – This coverage pays for damage to your Versa from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible on your Versa to bring the cost down.

Liability – This can cover damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/20 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $20,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical services, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. Virginia requires drivers to carry at least 25/50/20 but you should consider buying higher limits.

The next chart shows why low liability limits may not provide adequate coverage.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, theft and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses for hospital visits, dental work, ambulance fees, chiropractic care and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Lower rates by being persistent

Lower-priced auto insurance in Virginia Beach is definitely available online and also from your neighborhood Virginia Beach agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not offer online rate quotes and many times these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice collision coverage and learned later that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

We just covered some good ideas how to save on Nissan Versa insurance in Virginia Beach. The key thing to remember is the more quotes you get, the better chance you’ll have of finding affordable Virginia Beach auto insurance quotes. Consumers may even find the lowest prices come from a lesser-known regional company. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

How to find cheaper Nissan Versa insurance in Virginia Beach

The best way we recommend to find low-cost Nissan Versa insurance in Virginia Beach is to begin comparing prices regularly from different companies that insure vehicles in Virginia. Prices can be compared by following these steps.

1. Spend a few minutes and learn about policy coverages and the measures you can control to prevent expensive coverage. Many things that cause high rates such as traffic citations and a less-than-favorable credit history can be controlled by making minor changes in your lifestyle.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while agents who are independent can provide prices from many different companies.
3. Compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

One tip to remember is that you’ll want to compare identical coverages on each price quote and and to get rate quotes from as many companies as possible. Doing this guarantees the most accurate price comparison and the best rate selection.

For more information, take a look at the resources below:

• State Car Insurance Guides (GEICO)
• Who Has Affordable Virginia Beach Auto Insurance Quotes for Electric Cars? (FAQ)
• Who Has Cheap Auto Insurance for 19 Year Olds in Virginia Beach? (FAQ)
• What Car Insurance is Cheapest for a Ford Explorer in Virginia Beach? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Good Students in Virginia Beach? (FAQ)
• How Much is Car Insurance for Teenage Females in Virginia Beach? (FAQ)
• Rental Reimbursement Coverage (Allstate)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Speed and Speed Limit FAQ (iihs.org)