Nissan Versa insurance image courtesy of QuoteInspector.com
Finding affordable coverage for a Nissan Versa in California hinges on a large number of factors such as how old the vehicle is, your credit score, and if you have tickets or violations. Drivers in California pay approximately $1,168 annually to insure their Versa, but that price is a valuation calculated based on a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
There is a good probability you're not a 40-year-old male, maybe you are married instead of single, and you may just want the cheapest liability coverage you can find. Just a minor difference in rating variables or coverage information can result in a massive change in how much coverage for a Nissan Versa costs.
Auto insurance is unique to each driver, so the best method for finding cheap insurance prices for your Nissan is to compare rates from as many companies as possible. It's really quite easy you will be able to see rates from some of the cheapest companies in California.
Vehicle trim level will influence the yearly cost, so the price you will be charged to insure a Versa 1.6 SEDAN trim level will be $274 less than the cost to insure the higher-priced Versa 1.8 SL SEDAN trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$154||$342||$534||$32||$160||$1,222||$102|
|Versa 1.8 S Hatchback||$180||$490||$534||$32||$160||$1,396||$116|
|Versa 1.8 S SEDAN||$180||$490||$534||$32||$160||$1,396||$116|
|Versa 1.8 SL Hatchback||$206||$564||$534||$32||$160||$1,496||$125|
|Versa 1.8 SL SEDAN||$206||$564||$534||$32||$160||$1,496||$125|
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in specific location information which can decrease or increase rates greatly.
Figuring out which companies have the cheapest insurance rates for a Nissan Versa will take a little more sweat in order to find the lowest price quote. Each auto insurance company has a different process to determine premium rates, so let's take a look at the most affordable insurance companies in San Diego.
It's important that readers know that San Diego insurance rates are based on many factors that will increase or decrease the price of coverage. Simply improving your credit, buying a different vehicle, or getting a few speeding tickets may cause policy rate changes resulting in some rates now being cheaper than before.
Find Cheaper Auto Insurance for Your Versa
|Rank||Company||Cost Per Year|
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USAA may offer some of the best car insurance rates in San Diego at around $1,109 per year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced San Diego, CA insurance companies.
As depicted above, if you are a policyholder with Nationwide and switched to Wawanesa, you could realize a yearly savings of approximately $69. Insureds with 21st Century may save as much as $209 a year, and Grange policyholders might reduce prices by as much as $320 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit any of the companies below.
Remember that these premium estimates are averages for all insureds and vehicles and and are not figured with an exact zip code location for a Nissan Versa. So the car insurance company that has the cheapest price for you may not even be in the list above. That's why you need to get quotes using your own specific driver information and vehicle.
The illustration below demonstrates how deductible levels can increase or decrease insurance prices when researching cheap insurance for a Nissan Versa. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could pocket $530 a year by increasing from a $100 deductible to a $500 deductible, or save $792 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could save up to $1,366 each year by choosing larger deductibles on their policy. If you do raise deductibles, it will now be necessary to have enough savings to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Why it's important to shop around
California insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. Simply having a birthday, buying a different vehicle, or getting a reckless driving citation can trigger changes in premium that can now make some companies cheaper than before.
Not only may your risk profile change, but insurance companies file new California auto insurance rates every year or even multiple times each year in order to be able to pay unexpected claims. A period of higher than normal claims can result in higher rates, while a lower level of claims can produce cheaper Versa insurance rates.
To illustrate this point, the chart below shows which company has the cheapest car insurance in San Diego, CA for a 35-year-old male driver with no accidents or violations, and excellent credit. When quoting prices based on his personal profile, USAA may offer the most affordable car insurance rates in San Diego at $1,145 annually. This is $506 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also included in the cheapest San Diego, CA auto insurance companies.
Let's now give the driver from the first example an at-fault accident, a lower credit rating, and a traffic citation. Since every car insurance company has a proprietary formula for filing rates in each state, comparing prices most likely will result in a different list of the cheapest companies as shown below.
Grange now has the cheapest auto insurance in San Diego with GEICO, Mercury, Progressive, and Allstate also having competitive pricing. This example illustrates why it is so important to shop around to find the most budget-friendly insurance quotes for a Nissan Versa.
Insurance prices can be determined by many things and change substantially, so the best company when you last compared rates may now not even be in the top five.
The insurance agencies below can provide answers to your questions and help you determine which coverages are best, since some people prefer to get some professional advice when comparing insurance rates for a Versa. It can be complicated to find coverage yourself, and getting advice from a licensed California insurance agent can give you peace of mind knowing your policy gives you adequate protection in case of an accident or claim.
To locate a San Diego insurance agent by location nearest to you, click the button following the list or click here to compare price quotes now.
Karen L Wroan - State Farm Insurance Agent
12780 High Bluff Dr #180 - San Diego, CA 92130 - (858) 755-7553
Leavitt Group - Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 - San Diego, CA 92122 - (858) 436-2441
Lisa Keith - State Farm Insurance Agent
1635 Rosecrans St b - San Diego, CA 92106 - (619) 694-4788
Duane Werner - State Farm Insurance Agent
6663 El Cajon Blvd j - San Diego, CA 92115 - (619) 668-5414
Mike Morrell - State Farm Insurance Agent
2207 Garnet Ave a - San Diego, CA 92109 - (858) 273-3001
Ideas to find budget-friendly insurance for a Nissan Versa
It's not impossible to find cheaper rates, and here are some thrifty suggestions that can help you get more affordable car insurance.
- Frequent claims may make car insurance unaffordable
- Keep your driving record clean
- Drive vehicles with five-star safety ratings
- Accident-free drivers may qualify for discounts
- Buying home and auto together can help save money
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare rates and switch if you can find a better deal
The last idea is particularly important, as was emphasized in the prior article. Prices charged by car insurance companies in San Diego vary greatly, so don't be tentative to switch to a new company if a lower price can be found. We understand brand loyalty, but it's not recommended if your bullheadedness ends up costing you lots of money. In less than five minutes you could compare rates and find cheaper insurance for a Nissan Versa.