Are Your Nissan Micra Auto Insurance Rates Way Too Expensive?

Finding low-cost insurance for a Nissan Micra can be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to buy auto insurance and we’ll show you the proper way to compare rates for a Nissan and get the lowest price from both online companies and local agents.

Most companies such as Allstate and Progressive allow you to get insurance quotes online. This process is easy for anyone as you simply enter your coverage information as detailed in the form. After you complete the form, the system obtains credit information and your driving record and generates pricing information based on many factors.

This streamlines rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to do this in order to find the best price on auto insurance.

Rate comparisons made easy

A less time-consuming method to compare auto insurance pricing utilizes a single form that gets prices from more than one company. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. After sending the form, it is quoted and you can select any one of the resulting price quotes.

If you find a better price you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and you’ll know if lower rates are available.

If you want to get comparison pricing now, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you replicate the coverage information just like they are on your policy. Using the same limits helps guarantee you will get rate comparison quotes using the exact same coverages.

Cheaper auto insurance rates with discounts

Car insurance is not cheap, but there’s a good chance there are discounts that you may not know about. Most are applied when you purchase, but a few must be inquired about before you get the savings. If you do not check that you are getting every discount possible, you are just wasting money.

• Multiple Cars – Drivers who insure primary and secondary vehicles with the same auto insurance company could earn a price break for each car.
• Student in College – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle can receive lower rates.
• Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
• Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a break if you buy some life insurance too.
• Discount for Low Mileage – Driving fewer miles could earn lower premium rates on the low mileage vehicles.
• Responsible Driver Discount – Insureds who avoid accidents may receive a discount up to 45% on Micra coverage compared to rates paid by drivers with frequent claims.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and a selection of discounts are:

• 21st Century has savings for theft prevention, 55 and older, teen driver, automatic seat belts, air bags, and driver training.
• State Farm offers discounts for good driver, good student, anti-theft, passive restraint, accident-free, and multiple autos.
• AAA has discounts for good driver, AAA membership discount, anti-theft, multi-policy, good student, and pay-in-full.
• Liberty Mutual policyholders can earn discounts including hybrid vehicle, preferred payment discount, newly retired, multi-car, new vehicle discount, newly married, and good student.
• Progressive may include discounts for good student, online signing, continuous coverage, online quote discount, multi-policy, multi-vehicle, and homeowner.

When getting a coverage quote, ask each company or agent the best way to save money. Discounts might not be offered on policies in your area. To see a list of providers with the best discounts, click this link.

Components of Your Nissan Micra Insurance Costs

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that help determine the price you pay for auto insurance. If you have some idea of what determines base rates, this enables you to make decisions that can help you get lower premium levels.

Shown below are some of the items companies use to determine premiums.

• How many coverages with the same company – Many insurers apply lower prices to clients who have multiple policies with them in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates. Consumers may save even more by splitting coverages up.
• Policy add-ons may not be needed – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Coverages like replacement cost coverage, towing coverage, and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.
• Tickets mean higher premiums – Whether or not you get tickets influences premium rates substantially. Getting just one driving citation can bump up the cost substantially. Drivers with clean records get better rates as compared to careless drivers. Drivers who have gotten careless violations like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.
• Higher deductibles lower prices – Comprehensive and collision coverage deductibles are the amount of money you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of some claims that would be covered could be a windshield broken by a bird, damage from fire, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be on Micra coverage.
• Which gender costs less? – Statistics show that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. They both tend to get into at-fault accidents in similar percentages, but males cause more damage. Men also statistically receive more major tickets like DWI (DUI) or reckless driving. Male teenagers tend to get in the most accidents so they pay the highest premiums.
• Employer reflects on rates – Occupations such as doctors, social workers and medical professionals have higher premiums than the average policyholder attributed to stressful work requirements and lots of time spent at work. On the other hand, professions such as actors, athletes and retirees get better rates on Micra coverage.
• Deter theft and reduce auto insurance rates – Choosing to buy a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.
• Married people drive safer – Having a spouse can actually save you money compared to being single. Marriage may mean you are more stable financially it has been statistically shown that drivers who are married are more cautious.

Do you really save 40% when you switch?

Auto insurance companies such as Allstate and Progressive continually stream ads on TV and radio. They all try to convey promises that you’ll save big just by switching your coverage to them. How is it plausible that every one can make almost identical claims?

Insurance providers have a preferred profile for the type of customer that makes them money. One example of this type of insured may be over the age of 40, owns a home, and drives newer vehicles. Any driver who meets those qualifications will get very good car insurance rates and most likely will save some money.

Potential customers who don’t qualify for this ideal profile may be required to pay higher prices and business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” can save as much as they claim. That is how insurance companies can confidently lure you into getting a quote.

Because of the profiling, you absolutely need to do a rate comparison at every renewal. It is impossible to predict which auto insurance company will give you lower car insurance rates than your current company.

One last thing

Drivers change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, extreme rates for teen drivers or even not issuing a premium refund. Whatever your reason, finding a new company is actually quite simple.

When you , it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped collision coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

You just learned some good ideas how you can lower your Nissan Micra insurance premium rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding . Consumers could even find that the best price on auto insurance is with an unexpected company.