Auto Insurance Quotes for a Nissan Versa in Sacramento

Insurance quote for Nissan Versa in SacramentoIf you want to find the absolute lowest rates, then the best way to find cheaper quotes for Nissan Versa insurance in Sacramento is to start doing an annual price comparison from providers who sell insurance in California.

Step 1: Try to learn about the different coverages in a policy and the measures you can take to prevent expensive coverage. Many policy risk factors that drive up the price such as traffic violations and a low credit score can be eliminated by being financially responsible and driving safely.

Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agencies can provide prices for a wide range of insurance providers. View companies

Step 3: Compare the quotes to the price on your current policy to determine if you can save on Versa insurance in Sacramento. If you can save money, verify that coverage does not lapse between policies.

Step 4: Provide proper notification to your current company to cancel the current policy. Submit a completed application and payment to the new insurer. As soon as you have the new policy, keep your new certificate verifying coverage in an accessible location in your vehicle.

The key thing to remember is to use identical coverages on each quote and and to analyze as many companies as feasibly possible. This provides a fair price comparison and a good representation of prices.

It’s amazing but a large majority of drivers in California have remained with the same insurance company for well over three years, and almost 40% of drivers have never shopped around. American drivers could pocket $850 a year just by getting comparison quotes, but they just don’t understand how easy it is to find cheaper insurance by shopping around.

Get affordable Nissan Versa insurance in Sacramento with discounts

Buying car insurance is not cheap, but you may find discounts that many people don’t even know exist. Many discounts should be triggered when you quote, but a few must be specifically requested in order for you to get them.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The chart below illustrates the comparison of Nissan Versa insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, claim-free, and multi-car discounts applied.

To locate providers that offer some of these discounts in California, click here to view.

Compare Sacramento Nissan Versa insurance quotes online

All major auto insurance companies like Allstate and Progressive allow consumers to get pricing on their websites. This process is fairly simple as you simply type in your required coverages as requested by the quote form. After you submit the form the quote system pulls information on your driving record and credit history and returns pricing information.

Using the web to get rate quotes for Nissan Versa insurance in Sacramento helps simplify price comparisons, and it is imperative to get many rate quotes if you want to get the best rate possible.

To quickly compare rates using this form now, compare rates now from the companies shown below. If you have coverage now, it’s recommended that you enter the coverage information as close as possible to your current policy. Doing this guarantees you will get a rate comparison for similar coverage.

The providers in the list below can provide quotes in Sacramento, CA. To get cheaper car insurance in Sacramento, we recommend you compare several of them to get the best price comparison.

Premium rates and analysis

The premium information below covers different rate quotes for Nissan Versa models. Knowing how premiums are figured is important for drivers to make decisions on the best policy to buy.

Nissan Versa Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $282 $582 $596 $36 $178 $1,674 $140
Versa 1.8 S Hatchback $330 $834 $596 $36 $178 $1,974 $165
Versa 1.8 S SEDAN $330 $834 $596 $36 $178 $1,974 $165
Versa 1.8 SL Hatchback $378 $960 $596 $36 $178 $2,148 $179
Versa 1.8 SL SEDAN $378 $960 $596 $36 $178 $2,148 $179
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can change auto insurance rates significantly.

Higher deductibles save money

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The following insurance rates may aid in understanding how much more rates are between low and high comp and collision deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Nissan Versa insurance 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $206 $382 $442 $26 $132 $1,188 $99
Versa 1.8 S Hatchback $242 $546 $442 $26 $132 $1,388 $116
Versa 1.8 S SEDAN $242 $546 $442 $26 $132 $1,388 $116
Versa 1.8 SL Hatchback $278 $630 $442 $26 $132 $1,508 $126
Versa 1.8 SL SEDAN $278 $630 $442 $26 $132 $1,508 $126
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific location information which can affect premium rates noticeably.

We can derive from the above data that using a $250 deductible will cost you approximately $17 more each month or $204 a year than buying the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at least 15 months between claims, you would most likely save money if you decide on a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $134
Average monthly premium for $500 deductibles (subtract): – $117
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One big caveat is that raising deductibles results in having to pay to pay more out-of-pocket when you file a claim. That will necessitate enough disposable income in order to pay more to get your vehicle repaired.

The chart below demonstrates how deductibles and can influence Nissan Versa annual premium costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Why Informed Drivers Pay Less for Nissan Versa Insurance

Many factors are part of the equation when you quote your car insurance policy. Most are fairly basic like an MVR report, but others are not as apparent such as your marital status or your vehicle rating. The best way to find cheaper car insurance is to take a look at the different types of things that are used to determine your policy premiums. When consumers understand what influences your rates, this allows you to make educated decisions that could help you find big savings.

The factors shown below are some of the most common factors that factor into your premiums.

Poor credit decisions can cost you – Having a good credit history factor in calculating your car insurance rates. Insureds that have good credit tend to be less risk to insure than drivers with poor credit scores. So if your credit rating can be improved, you could save money insuring your Nissan Versa by spending a little time repairing your credit.

Employer and insurance rates – Did you know your job can affect your rates? Careers like military personnel, police officers, and medical professionals generally have higher premium rates in part from high stress levels and extremely grueling work hours. Other careers like farmers, athletes and homemakers receive lower rates.

Pay more for higher performance vehicles – The make and model of the car you need to insure makes a significant difference in your auto insurance rates. Lower cost passenger models usually have the lowest rates, but your final cost has many other factors.

The following data uses these variables: single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It compares Nissan Versa rates compared to other models of vehicles that have different performance rating factors.

Having a spouse can lower prices – Being married can get you a discount compared to being single. It generally demonstrates drivers are more stable financially and insurance companies like that being married results in fewer claims.

Optional features that cut rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.

Do males or females drive better? – Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. They both are responsible for accidents at about the same rate, but the males tend to have higher claims. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving.

The chart below shows the comparison of Nissan Versa car insurance costs for male and female drivers. The data is based on no violations or claims, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Loss probability for a Nissan Versa – Companies include the past claim history for a vehicle to calculate a rate that will offset any claims. Vehicles that tend to have high amounts or severity of claims will have higher rates. The table below outlines the actual insurance loss data for Nissan Versa vehicles.

For each policy coverage type, the loss probability for all vehicles compiled together is set at 100. Values that are 100 or less are indicative of better than average losses, while numbers above 100 indicate frequent claims or tendency to have higher losses.

Car Insurance Loss Data for Nissan Versa Models
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Versa 116 110 92 190 203 138
Nissan Versa Note 112 96 85 161 171 133

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Which is the best auto insurance?

When it comes to buying insurance from an agent or online, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine if your situation might need professional guidance.

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance agents can give valuable advice

Certain consumers would prefer to have an agent’s advice and there is nothing wrong with that. Good agents can help you choose the best coverages and help in the event of a claim. An additional benefit of price shopping on the web is that drivers can save money and get cheap rate quotes and still choose a local agent.

Insurance agents in SacramentoTo make it easy to find an agent, after completing this form (opens in new window), your coverage information is emailed to agents in your area that give free quotes and help you find cheaper coverage. You won’t even need to drive around since price quotes are sent to you directly. If for some reason you want to get a rate quote from a specific auto insurance provider, you would need to navigate to their website and complete a quote there.

Choosing an insurance company should include more criteria than just the price. Before buying a policy in Sacramento, get answers to these questions.

When narrowing the list to find a local insurance agency, it can be helpful to understand the different types of agents from which to choose. Auto insurance agents in Sacramento are either exclusive or independent. Either type can sell affordable auto insurance policies, but it’s worth learning the difference between them because it can impact your agent selection.

Exclusive Agents

Exclusive agents can only provide one company’s prices like American Family, State Farm, and AAA. Exclusive agencies are unable to shop your coverage around so they have no alternatives for high prices. These agents are well trained in insurance sales which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents mainly due to the brand legacy instead of buying on price only.

Shown below are Sacramento exclusive insurance agents willing to provide comparison quotes.

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Independent Insurance Agents

Independent insurance agents often have many company appointments so they can write business through many different auto insurance companies depending on which coverage is best. If prices rise, the agent simply finds a different carrier and the insured can keep the same agent. When shopping rates, you should always include rate quotes from several independent agencies for maximum quote selection. Most also write with mutual insurance companies that may provide cheaper auto insurance rates.

Shown below is a list of independent insurance agencies in Sacramento that are able to give price quote information.

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Once you have acceptable answers to any questions you may have as well as a price you’re happy with, it’s possible that you found an insurance agent that can be relied on to provide auto insurance coverage. Just remember you can always cancel a policy whenever you choose to so don’t feel you’re contractually obligated to any particular company with no way out.

Three reasons to not skimp on car insurance

Despite the high cost of buying insurance for a Nissan Versa in Sacramento, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Versa has a loan, it’s most likely the lender will make it mandatory that you buy full coverage to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Nissan at a significantly higher premium and require you to fork over a much higher amount than you were paying before.

Third, insurance safeguards both your car and your assets. Insurance will pay for most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will cover the repair costs.

The benefits of insuring your Versa are definitely more than the cost, particularly when you have a large claim. As of last year, the average driver in California is overpaying over $750 every year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.

Affordable auto insurance premiums are possible

There are still a few companies who may not provide rate quotes online and most of the time these small, regional companies prefer to sell through independent agents. Budget-friendly auto insurance in Sacramento is available from both online companies as well as from independent agents in Sacramento, so you need to compare both to get a complete price analysis.

When you buy Sacramento auto insurance online, do not reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the best possible price, not the least amount of coverage.

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