Who Has Cheap Insurance Quotes for a Nissan Versa in West Virginia?

When the topic is car insurance, the words cheap or affordable should never be used anywhere in the article as a descriptor for car insurance rates. Unfortunately, cheap auto insurance for a Nissan Versa can be hard, if not impossible, to find. But fear not, because we can show you some ways you can still find and buy insurance that is more affordable than your current policy.

Finding cheaper car insurance for a Nissan Versa in West Virginia is dependent upon a complex formula that factors things like whether you are married or single, whether or not you are currently insured, and driving violations and tickets. Drivers on average pay around $1,040 annually to buy Nissan Versa insurance, but that rate is an estimate using rating data for a 50-year-old married female that includes full physical damage coverage and $100 policy deductibles.

But there is a high likelihood that you are not exactly 50 years old and possibly not even female, possibly single instead of married, or maybe you rent instead of own your home. Every driver has a different risk profile, so the best method for finding cheap car insurance rates for your Nissan is to get into the habit of comparing rates once a year.

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Your Nissan’s trim level will be a contributing factor to the cost of insurance, so the price you will pay to insure a Versa 1.6 SEDAN model will be $316 less than the insurance cost for the more well-appointed Versa 1.8 SL SEDAN model, as shown below.

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in zip code location which can modify premium rates noticeably.

Deciding which companies offer the cheapest auto insurance rates for a Nissan Versa will require more time in order to find the lowest price. Every auto insurer uses a different method to determine rates, so we need to take a look at the most affordable auto insurance companies in West Virginia.

It’s important to understand that West Virginia auto insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Getting older, increasing deductibles, or getting a couple of tickets can cause premium changes that can make some companies more affordable than the competition.

Best Insurance Companies for Your Versa

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Erie offers some of the best car insurance rates in West Virginia at around $931 annually. The Hartford, State Auto, USAA, and Westfield also qualify as some of the cheapest West Virginia auto insurance companies.

As the example above demonstrates, if you currently buy coverage from USAA and switched to Erie, you might achieve annual savings of about $356. Customers with Westfield may save as much as $370 a year, and State Farm insureds might reduce rates by $577 a year.

These rates are averages for all drivers and vehicles and do not factor in a specific rate factor for a Nissan Versa. So the company that fits you best may not even be in the chart above. That helps illustrate why you need to compare as many prices as possible using your own driver data and vehicle information.

Discounts on West Virginia car insurance

Insurance providers that offer cheap insurance for a Nissan Versa in West Virginia may additionally offer discounts that could potentially reduce rates by as much as 40% or more if you are eligible. A list of auto insurance companies and a summarized list of policyholder discounts are:

The diagram below illustrates the difference between insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no claims or driving violations, West Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, multiple vehicle, safe-driver, defensive driving course, passive restraint, and vehicle safety discounts applied. When discounts are factored in, the the amount saved on auto insurance for a Nissan Versa is % or $.

Who has the cheapest Nissan Versa insurance quotes?

Drivers have a lot of ways to shop for and buy auto insurance in West Virginia, but the most popular are from a non-exclusive or independent agent, a captive (or exclusive) agency such as Allstate or Auto-Owners, or direct online or over the phone from a company like Geico or Progressive.

They all have the same end result, but they are slightly different in how they give price quotes.

Independent agents have contracts with multiple insurance companies and can quote your policy with every one. Agents of this type can sell policies from many different companies and can get prices from more than one company, which can help you get improved chances of finding a lower rate. If you want to switch companies, your policy can be moved and that require little work on your part.

Exclusive agencies are only able to quote your policy with a single company, a couple examples are an Auto-Owners or State Farm agent. These agents are unable to compare rates from other companies, so if their pricing is high, there is no alternative.

The third way to buy auto insurance is direct which means you skip a local agent and instead shop from a direct company like Progressive. This auto insurance option may be good for drivers who do not need high levels of coverage and have knowledge of what is covered and what is not.

Out of those three methods, which one works best to find cheap insurance for a Nissan Versa in West Virginia? The majority of auto insurance shoppers assume that buying direct yields the cheapest rates because there are no middleman commissions, but that is not always the case. An argument could also be made that buying auto insurance from an independent agent can save the most money because you have more choices, but that is not accurate either. For some people, exclusive agents have extremely competitive rates that other auto insurance companies cannot touch.

Because there is so much variation in auto insurance prices, really the only way to find out which one is cheapest is to obtain price quotes and compare them. Money-saving experts recommend you get price quotes all three ways to give yourself plenty of rates to compare. For a list of companies offering online discounts in West Virginia, click here to view.

How to find cheap insurance for a Nissan Versa in West Virginia

Below you’ll find many penny-pinching ideas that can help West Virginia drivers quote lower-cost coverage.

• Vehicles with safetly features generally cost less to insure
• Avoid accidents
• Remove physical damage coverage on older vehicles
• Multi-policy discounts save money
• Clean up your credit rating
• Shop around for cheaper prices often

The last suggestion is very necessary, as we stressed in this write-up. Prices charged by companies fluctuate considerably, so drivers shouldn’t be reluctant to buy a policy from a new company if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not a good idea if that devotedness results in you overpaying hundreds of dollars a year. In just a few minutes you could compare prices to find cheaper insurance for a Nissan Versa.