Locating cheaper insurance for a new or used Nissan Versa in Texas can be a painful process, but you can use a few tricks to save time.
There is a better way to compare auto insurance rates so you’re going to learn the quickest way to quote coverages for a new or used Nissan and locate the cheapest rates from Texas insurance agents and online providers.
It is always a good idea to shop coverage around periodically due to the fact that insurance rates change frequently. Despite the fact that you may have had the best rates for Versa coverage two years ago there may be better deals available now. So block out anything you think you know about auto insurance because you’re going to learn how to use online quotes to properly buy coverages and cut your premium.
Buying more affordable auto insurance can be fairly easy. Basically, every driver who buys auto insurance will most likely be able to cut their insurance bill. But Texas drivers do need to learn how companies market on the web.
Cheap Texas Auto Insurance Comparisons
The are a couple different ways to get quotes from local in Texasauto insurance companies. The fastest way to find the lowest Nissan Versa rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.
- One of the best ways to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form prevents you from having to do repetitive form entry for every auto insurance company. Filling out one form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
- A more time consuming way to get quotes online is to manually visit the website for each individual company to complete a price quote. For sake of this example, we’ll assume you want rates from Liberty Mutual, Progressive and GMAC. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
- The least recommended way of comparing rate quotes is driving to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the professional advice of a licensed agent. It is possible to obtain prices from the web but still have the advice of a local agent and we’ll talk about that later.
It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits and deductibles for every quote you compare. If you use unequal deductibles or liability limits it’s not possible to determine which rate is truly the best. Having just a slight variation in insurance coverages could mean much higher rates. Just remember that comparing a large number of companies helps locate a lower rate.
Do you qualify for a discount?
Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings.
- Senior Discount – Mature drivers may be able to get a discount up to 10% for Versa coverage.
- Student in College – Youth drivers who are attending college without a vehicle on campus can be insured at a reduced rate.
- Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if your company offers it.
- Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.
- Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. But all discounts will help reduce your premiums.
For a list of insurance companies with discount auto insurance rates in Texas, click here.
But I prefer to buy car insurance from an agent
Some people just want to buy from a local agent and that is OK! The biggest benefit of getting online price quotes is you may find the best rates but also keep your business local. Supporting local businesses is important particularly in smaller communities.
To make it easy to find an agent, after completing this quick form, the quote information is instantly submitted to participating agents who will compete for your business. You won’t need to drive around because quoted prices will be sent straight to your inbox. You can find the lowest rates AND a local agent.
If you wish to view a list of agents in Texas to contact, visit this page.
Picking a company needs to be determined by more than just a cheap price. Agents should be asked these questions:
- If your car is totalled, how to they determine the replacement cost?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- What is the agency’s Better Business Bureau rating?
- Are they able to influence company decisions when a claim is filed?
- Do they assist clients in filing claims?
- If they are an independent agency, which companies do they recommend?
- How long has their agency been open?
- Which insurance companies are they affiliated with?
After receiving reasonable responses as well as a affordable price, you’ve probably found an provider that meets your needs to adequately provide auto insurance. Keep in mind consumers can cancel a policy for any reason so never assume that you’re stuck with any specific agency with no way to switch.
Specific coverage details
Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.
Medical costs insurance
Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, surgery and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability insurance
This can cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible. Texas requires minimum liability limits of 30,000/60,000/25,000 but you should consider buying more coverage.
Auto collision coverage
This covers damage to your Versa resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as backing into a parked car, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.
UM/UIM Coverage
This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.
Comprehensive or Other Than Collision
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane, vandalism, hitting a bird and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Additional auto insurance information can be found on the Texas Department of Insurance website found here. Texas drivers can read consumer alerts, view agent and company licensing information, and read state legal mandates and laws.
Also read more on this site for Texas auto insurance information and GEICO’s Understanding your Auto Insurance.
Keep this in mind
Affordable Nissan Versa insurance is available both online and also from your neighborhood Texas agents, and you need to price shop both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In many instances, drivers have reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.
We just covered a lot of information how to shop for Nissan Versa insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies.