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

We always joke that when we write about car insurance, the words “cheap” or “affordable” should never appear as a descriptor for auto insurance rates. Be that as it may, cheap car insurance for a Nissan Versa does not exist. Don’t let that bother you, though, because we are going to tell you how you can still find and buy auto insurance that most people can afford.

Finding the cheapest coverage for a Nissan Versa in Virginia depends on factors like how old the vehicle is, if you are a frequent claim filer, and if you have a clean driving record. Drivers in Virginia pay an average of $740 a year to insure a Nissan Versa, but that cost is an approximation based on rate data for a 40-year-old married male driver that included comprehensive and collision coverage and $250 policy deductibles.

There is a really good chance that you are not 40 and maybe not even a male, you might be single instead of married, or maybe you just want different deductibles. Every insurance policy is unique to the driver, so the most reliable method for finding cheap car insurance rates for your Nissan is to compare as many rates as possible.

Find Cheaper Nissan Versa Insurance

Vehicle trim level will be a contributing factor to the cost of insurance, so the price you pay to insure a Versa 1.6 SEDAN model will cost $210 less than the insurance cost for the more well-appointed Versa 1.8 SL SEDAN trim level, as shown in the prices below.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can influence rates considerably.

Finding decent, cheap car insurance is challenging, and determining which company has the cheapest insurance rates for a Nissan Versa requires even more shopping around. Each auto insurer uses different criteria for setting prices, so we’ll take a look at the most affordable insurance companies in Virginia.

We do need to point out that Virginia insurance rates are determined by lots of factors that can increase the policy premium. Improving your credit score, having a claim, or having an at-fault accident can produce rate changes resulting in some rates now being more affordable than before.

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Travelers quotes some of the cheapest car insurance rates in Virginia at around $653 each year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also make the list of some of the best Virginia auto insurance companies.

As illustrated above, if you have coverage with Penn National and switched to Travelers, you might realize an annual premium reduction of in the neighborhood of $87. Drivers with Cincinnati Insurance may save as much as $88 a year, and Auto-Owners insureds might reduce rates by $105 a year.

To find cheap insurance for a Nissan Versa in Virginia for your vehicle, click here to start a quote or click several companies below for low rates.

Understand that those policy rates are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rate factor for a Nissan Versa. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The example below highlights how deductible choice can change insurance premiums when researching cheap insurance for a Nissan Versa. The price estimates are based on a married male driver, comp and collision included, and no discounts are applied.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $234 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $352 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, can cut $792 every year just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of discretionary funds to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Geico vs State Farm vs Allstate vs Progressive

When comparing rates for auto insurance, four companies to consider are Geico, State Farm, Allstate, and Progressive. The data below ranks some of the different options and features that are available for policyholders.

How to find economical car insurance for a Nissan Versa

Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help Virginia drivers quote the cheapest coverage.

• Raise physical damage deductibles
• Better credit rating means better rates
• Choose a safer vehicle and pay lower rates
• Violations and traffic tickets increase rates
• Having at-fault accidents will increase rates
• Ensure you have the best deal by shopping around regularly

The last idea is certainly important, as we noted in the prior article. Auto insurance prices in Virginia fluctuate constantly, so drivers shouldn’t be reluctant to buy a different policy if a better rate can be found. Being loyal to a particular company is commendable, but it’s not a great idea if that stubbornness costs you a wad of cash every year. In just a few minutes you could compare rates to find cheaper car insurance for a Nissan Versa.

Who has the cheapest Nissan Versa insurance quotes?

Drivers have many ways to find cheaper insurance in Virginia, but the three most common methods are from a captive (or exclusive) agency such as Allstate or State Farm, an independent insurance agent, or direct online or over the phone from a company like Geico or Progressive.

Each way has the same basic steps, but insurance shoppers should know the differences in how they give price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can get policy pricing from every one. These types of agencies are usually affiliated with several companies and can provide you with more rates, which can help you get the best chance of finding a lower price. If your agent finds a cheaper company, your agent can just switch to a different company and you do not have to find a new agent.

Exclusive agents are able to place business with one insurance company, for example an Auto-Owners or State Farm agent. They usually cannot compare rates from other companies, so if rates are not competitive, they cannot give other choices.

Drivers who opt to buy insurance direct bypass a local agent and instead shop direct online or over the phone from a company like Geico or Esurance. This insurance option can be good for drivers who do not have a lot of assets and have knowledge of what specific coverages and deductibles they need.

So which way is best to buy cheap insurance for a Nissan Versa in Virginia? We’d like to tell you buying direct results in the best prices since no commissions are paid to an agent, but that does not always hold true. It would also be easy to say an independent agent is the best way to save because they can quote many companies, but that is not necessarily true either. For the right applicant, exclusive agents have coverage prices that are the lowest in Virginia.

Since insurance rates vary so much, the best way to ensure you are not overpaying for insurance is to get as many comparison quotes as possible. To cover all the bases, get price quotes from all three in order to find the best price. For a list of companies with online discounts, click here to view.