Compare Nissan Versa Insurance Rate Quotes in San Diego

How long have you put off shopping around for more competitive Nissan Versa insurance in San Diego? Scraping up a payment for high-priced Nissan Versa insurance in San Diego can eat up your family’s budget and put a big crunch on your finances. Performing a rate comparison can help to make sure you’re not throwing money away.

Discount Nissan Versa insuranceAstonishing but true, the vast majority of consumers have stayed with the same insurance company for a minimum of four years, and nearly the majority have never even shopped around for cheaper coverage. With the average premium in California being $1,390, drivers could save about $470 each year, but most tend to underestimate the benefits if they switched.

You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a selection, it can be more difficult to adequately compare rates for Nissan Versa insurance in San Diego.

Companies offering Nissan Versa insurance in San Diego

The following companies are our best choices to provide price quotes in San Diego, CA. If several companies are displayed, it’s highly recommended you get price quotes from several of them to get a more complete price comparison.

Nissan Versa Insurance Rate Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $122 $252 $424 $26 $126 $950 $79
Versa 1.8 S Hatchback $332 $810 $442 $26 $132 $1,742 $145
Versa 1.8 S SEDAN $330 $834 $596 $36 $178 $1,974 $165
Versa 1.8 SL Hatchback $238 $616 $500 $30 $150 $1,534 $128
Versa 1.8 SL SEDAN $164 $418 $424 $26 $126 $1,158 $97
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in your specific San Diego location which can lower or raise coverage prices greatly.

Where to set your deductibles

One frequently asked question is where should you set your physical damage deductibles. The comparison tables below show how much more rates are of buying low and high deductibles. The first set of prices uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Nissan Versa insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $254 $472 $442 $26 $132 $1,351 $113
Versa 1.8 S Hatchback $298 $678 $442 $26 $132 $1,601 $133
Versa 1.8 S SEDAN $298 $678 $442 $26 $132 $1,601 $133
Versa 1.8 SL Hatchback $342 $780 $442 $26 $132 $1,747 $146
Versa 1.8 SL SEDAN $342 $780 $442 $26 $132 $1,747 $146
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Nissan Versa insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $156 $298 $442 $26 $132 $1,054 $88
Versa 1.8 S Hatchback $184 $426 $442 $26 $132 $1,210 $101
Versa 1.8 S SEDAN $184 $426 $442 $26 $132 $1,210 $101
Versa 1.8 SL Hatchback $210 $490 $442 $26 $132 $1,300 $108
Versa 1.8 SL SEDAN $210 $490 $442 $26 $132 $1,300 $108
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.

Based on these figures, using a $250 deductible costs approximately $33 more each month or $396 each year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claim filings, you would save more money by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $134
Average monthly premium for $1,000 deductibles (subtract): – $101
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Drive responsibly or pay higher rates

The chart below highlights how traffic violations and accident claims increase Nissan Versa insurance costs for each different age category. The information is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Do you qualify for these six discounts?

Car insurance is easily one of your largest bills, but there could be significant discounts that you may not know about. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be specially asked for prior to receiving the credit.Car insurance discounts

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurers that offer many of these discounts in California, click this link.

Exclusive or independent insurance agents

Some consumers just prefer to have an agent’s advice and often times that is recommended An additional benefit of comparing rate quotes online is the fact that you can find lower premium rates and still buy from a local agent.

San Diego insurance agentsAfter filling out this simple form, the coverage information is immediately sent to participating agents in San Diego who can give free rate quotes for your business. It’s much easier because you don’t need to do any legwork as quotes are delivered instantly to you. You can most likely find cheaper rates without a big time investment. If you need to get a comparison quote for a specific company, you would need to search and find their rate quote page and give them your coverage information.

Finding the right company should include more criteria than just a low price. These are valid questions to ask:

If you want to buy insurance from a local insurance agency, it can be helpful to understand the different types of agencies and how they operate. Insurance agents are classified as either independent (non-exclusive) or exclusive.

Exclusive Agencies

Exclusive insurance agents can only place business with one company and some examples include State Farm or Allstate. They are unable to provide other company’s prices so they have to upsell other benefits. These agents are very knowledgeable on what they offer which can be an advantage.

The following are San Diego exclusive insurance agencies who may provide you with price quotes.

2254 Moore St #103San Diego, CA 92110(619) 295-8412View Map

2207 Garnet Ave aSan Diego, CA 92109(858) 273-3001View Map

910 Grand Ave #205San Diego, CA 92109(858) 272-2343View Map

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Independent Insurance Agencies

Agents that elect to be independent do not have single company limitations so they can write business with lots of companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company which is easy for the insured. If you are comparing insurance prices, we recommend you check rates from at a minimum one independent agency to maximize your price options.

Below is a short list of independent insurance agencies in San Diego willing to provide rate quotes.

380 Stevens AveSolana Beach, CA 92075(858) 259-5800View Map

1274 Scott StSan Diego, CA 92106(800) 266-2662View Map

10650 Treena St #105San Diego, CA 92131(858) 391-3001 ext. 105View Map

View more San Diego agents

Specific coverages for a Nissan Versa

Learning about specific coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by auto insurance companies.

Collision coverage – This will pay to fix damage to your Versa caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Versa to get cheaper collision coverage.

Auto liability insurance – Liability coverage can cover damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 15/30/5 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability coverage pays for things like attorney fees, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but you should consider buying higher limits.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills like dental work, ambulance fees, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism, hitting a deer and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Quote often and quote early

We covered a lot of tips how to get a better price on Nissan Versa insurance in San Diego. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the most savings is with the smaller companies. These companies can often provide lower premium rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. In many instances, an insured cut liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

Additional information