Compare Nissan Versa Insurance Quotes in Tucson

Sad but true, nearly 70% of customers have stayed with the same insurance company for at least the last four years, and nearly 40% of drivers have never compared auto insurance rates at all. The average driver in Tucson could pocket $700 a year, but they just don’t want to shop their coverage around.

If saving money is your primary concern, then the best way to get discount auto insurance rates is to annually compare prices from companies that sell auto insurance in Tucson.

1. Read and learn about how auto insurance works and the measures you can control to keep rates down. Many factors that result in higher prices such as at-fault accidents and poor credit can be controlled by making minor driving habit or lifestyle changes.
2. Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from many different companies. Get quotes now
3. Compare the new quotes to your existing coverage to see if you can save by switching companies. If you find a lower rate quote, make sure there is no coverage gap between policies.
4. Provide written notification to your current company to cancel your current coverage and submit a down payment and signed policy application for your new policy. As soon as you have the new policy, keep your new proof of insurance paperwork with your registration paperwork.

The key aspect of shopping around is that you’ll want to compare the same coverage limits and deductibles on every quote and and to compare as many auto insurance providers as possible. Doing this guarantees an accurate price comparison and many rates to choose from.

If you have a policy now or are shopping for new coverage, take advantage of these tips to save money without reducing protection. Finding the cheapest auto insurance coverage in Tucson can really be easy if you know what you’re doing. You just have to use the tricks to compare insurance rates from many companies at once.

The best way we recommend to get rate comparisons for Nissan Versa insurance in Tucson is to know the fact car insurance companies participate in online systems to compare their rates. The one thing you need to do is provide the companies a bit of rating information like if a SR-22 is required, what your job is, how many miles driven, and if the car is leased. Your rating data is then submitted to multiple car insurance providers and they return quotes quickly.

To compare cheaper Nissan Versa insurance rates now, click here and complete the form.

The companies in the list below can provide free quotes in Arizona. To get cheap car insurance in Tucson, we suggest you visit as many as you can to find the most affordable auto insurance rates.

Coverage information

The rate table shown next outlines detailed analysis of insurance prices for Nissan Versa models. Understanding how policy rates are determined can benefit drivers when making smart buying decisions.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in your specific Tucson location which can revise coverage prices considerably.

Where to set your deductibles

One common question asked by Tucson drivers is where to set your physical damage deductibles. The premium rates below determine how much more rates are between high and low deductibles. The first table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in specific zip code location which can affect coverage rates greatly.

Based on the above data, using a $250 deductible costs approximately $23 more each month or $276 annually than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 33 months between claims, you would most likely save money if you elect the higher deductible.

Driving violations and accidents

The illustration below shows how speeding tickets and at-fault claims can drive up Nissan Versa car insurance rates for different age categories. The information is based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Price comparison of only insuring for liability

The illustration below visualizes the comparison of Nissan Versa insurance prices with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no definitive formula of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Nissan Versa replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after paying your deductible. If premiums are more than $600 a year for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Why you need quality insurance for your Nissan vehicle

Despite the potentially high cost of Nissan Versa insurance, maintaining insurance is mandatory in Arizona but it also protects more than you think.

• Almost all states have mandatory insurance requirements which means state laws require specific minimum amounts of liability coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Nissan Versa has a lienholder, almost every bank will stipulate that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your Nissan at a much higher rate and require you to reimburse them the higher premium.
• Insurance protects not only your Nissan but also your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance more than cancel out the cost, particularly for liability claims. An average driver in America is overpaying more than $750 every year so compare rates once a year at a minimum to ensure rates are competitive.

Lower Your Tucson Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that help calculate the price you pay for auto insurance. When you understand what controls the rates you pay, this helps enable you to make changes that may reward you with cheaper rates.

• Save money with high credit – Having a good credit history factor in determining your rates. Therefore, if your credit is not that good, you may save money insuring your Nissan Versa by repairing your credit. People that have high credit ratings tend to be more responsible than drivers with lower credit ratings.
• Your address can push rates up or down – Living in less populated areas of the country may provide you with better prices when it comes to auto insurance. Fewer people translates into fewer accidents and a lower car theft rate. People who live in big cities tend to have traffic congestion and higher rates of accident claims. More time behind the wheel can result in more accidents.
• Combine home and auto and save – Lots of insurance companies allow a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to check prices from other companies to guarantee you are still saving the most.
• Save by driving less – The more miles you rack up on your Nissan in a year’s time the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than those that get driven frequently. Ask your agent if your auto insurance policy is rated on the correct usage for each vehicle. Improper usage on your Versa is throwing money out the window.

• Claims statistics for a Nissan Versa – Auto insurance companies take into consideration insurance loss statistics for every vehicle to help set a rate to offset losses. Vehicles that the statistics show to have higher claim frequency or loss amount will have increased rates.

  The table below demonstrates the collected loss data for Nissan Versa vehicles. For each coverage category, the claim amount for all vehicles, as an average, is a value of 100. Percentage values below 100 suggest losses that are better than average, while numbers above 100 indicate more frequent losses or an increased likelihood of larger losses.

  
  

  Insurance Loss Ratings for Nissan Versa Vehicles

  Make and 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

  BETTER

  AVERAGE

  WORSE

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

Cheap Tucson car insurance quotes with discounts

Car insurance is not cheap, but you might already qualify for some discounts that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be inquired about prior to getting the savings.

• Passive Restraints and Air Bags – Options like air bags or automatic seat belts could see savings of up to 25% or more.
• Discount for Good Grades – Getting good grades may save you up to 25%. The good student discount can last until age 25.
• Drivers Education – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
• Renewal Discounts – A few car insurance companies give discounts for switching to them before your current coverage expires. This can save 10% or more.
• Buy New and Save – Adding a new car to your policy can save you some money since new vehicles have better safety ratings.
• Military Discounts – Having a deployed family member may lower your premium rates slightly.
• Drive Less and Save – Driving less could be rewarded with slightly better prices than normal.

A quick disclaimer, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you could get a free car insurance policy, it just doesn’t work that way.

The diagram below shows the difference between Nissan Versa premium costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, marriage, and multi-car discounts applied.

For a list of insurance companies who offer car insurance discounts in Arizona, click here.

Independent and exclusive auto insurance agents

Many drivers just prefer to talk to an insurance agent and doing that can be a smart decision Most agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing insurance prices online is you may find lower rates but still work with a licensed agent. Buying insurance from small agencies is especially important in Tucson.

To find an agent, once you fill out this short form, the quote information gets sent to local insurance agents in Tucson who will give you bids for your car insurance coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent directly to your email. In the event you want to get a comparison quote for a specific company, you would need to navigate to their website and give them your coverage information.

Best auto insurance agent in Tucson

If you’re trying to find a reliable insurance agent, there are two types of insurance agents to choose from. Tucson agents can either be exclusive agents or independent agents. Both sell and service car insurance coverage, but it is a good idea to know how they are different since it may influence buying decisions.

Independent Agents

Independent agents are not restricted to one company so they can insure your vehicles with many different companies and find the cheapest car insurance rates. If they quote lower rates, the business is moved internally and you don’t have to find a new agent.

When searching for an agent, we recommend you get some free quotes from a couple of independent agencies so that you have a good selection of quotes to compare.

The following are Tucson independent agents that may be able to give pricing information.

More insurance agents

Exclusive Agents

These agents can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to provide other company’s prices so you might not find the best rates. Exclusive insurance agents are trained well in insurance sales which helps overcome the inability to quote other rates.

Listed below are exclusive insurance agents in Tucson that can give you rate quotes.

More insurance agents

Finding a good car insurance agent requires you to look at more than just the premium amount. Get answers to these questions too.

• Can glass claims be handled at your home?
• In the event of vehicle damage, can you pick the collision repair facility?
• Do they have a Better Business Bureau rating in Tucson?
• What companies can they write with?
• Will the company cover a rental car if your car is getting fixed?
• If you have an accident, will your rates go up?
• Does the agent help file claims?
• If independent agents, which companies do they recommend?

Shop around and save

You just read some good ideas how to shop for Nissan Versa insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company. These smaller insurers may only write in your state and offer lower car insurance rates than the large multi-state companies such as Progressive or GEICO.

Cheaper Nissan Versa insurance in Tucson can be bought both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and most of the time these regional carriers only sell through independent insurance agencies.

For more information, feel free to browse the articles below:

• Teen Driver Statistics (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for a Nissan Altima in Tucson? (FAQ)
• How Much are Tucson Auto Insurance Rates After a Speeding Ticket? (FAQ)
• How Much is Tucson Auto Insurance for a Honda Civic? (FAQ)
• What Auto Insurance is Cheapest for Hybrid Vehicles in Tucson? (FAQ)
• Who Has the Cheapest Tucson Car Insurance Rates for Real Estate Agents? (FAQ)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)