Cheap Insurance for a Nissan Versa in Alabama

When the topic is car insurance, the words cheap or affordable shouldn’t be used as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a Nissan Versa just does not exist. Don’t let that ruin your day, because we are going to show you some ways you can get coverage that you can fit into your budget.

Whether or not you can find cheap auto insurance for a Nissan Versa in Alabama depends upon many different factors such as the safety rating of your vehicle, the insurance company you are currently insured with, and if you have a history of accidents. Drivers pay around $1,020 per year to insure a Nissan Versa, but that policy rate is that uses rate data for a 50-year-old single female who purchased full physical damage coverage and $250 policy deductibles.

More likely than not, you are not a 50-year-old female, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Have just a small change in policy rating variables can result in a large change in the coverage rate.

Everone’s needs are different, and this illustrates why the way we recommend to find cheap auto insurance rates for your Nissan is to comparison shop your policy at every renewal or at least every couple of years.

Find Cheaper Nissan Versa Insurance

The trim level of your vehicle tends to impact the coverage cost, so the price you pay to insure a Versa 1.6 SEDAN trim level will be $288 cheaper than the insurance cost for the higher-priced Versa 1.8 SL SEDAN trim level, as shown in the prices below.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase rates significantly.

Buying coverage from the top insurance provider can be rather challenging considering how many companies are available to choose from in Alabama. The company rank data in the lists below could help you decide which car insurance companies you want to consider when comparing rate quotes. The ratings below are only comprised of large, nationwide insurance companies, so companies that focus mainly on Alabama business will not be included in these rankings.

Top 10 Major Auto Insurance Companies Overall in Alabama

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Nissan Versa Insurance in Alabama

The diagram below illustrates how choosing a deductible can raise or lower yearly insurance costs when getting quotes for cheap insurance for a Nissan Versa. The data is based on a married female driver, full physical damage coverage, and no discounts are factored in.

A 50-year-old driver could lower rates by $348 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $520 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could save $856 annually just by choosing higher deductibles when buying full coverage.

When increasing deductibles, it will be required to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Allstate, State Farm, Geico, or Progressive: Who is cheapest?

When researching car insurance, some of the largest companies to start with are Allstate, State Farm, Geico, and Progressive. The data below shows ratings for price, service, and claims, in additional to some of the optional coverages that are available.

Cheapest Nissan Versa insurance quotes

You have a lot of ways to get affordable insurance quotes in Alabama, but the most preferred methods are through a captive (or exclusive) agency like Allstate or Auto-Owners, an independent agent, or direct from companies such as Geico or Progressive. You can use whichever method you prefer, but it’s important to point out the distinctions in how they provide price quotes.

Independent agents have contracts with many companies and can compare coverage rates with each one. These types of agencies are appointed with more than one company and can give you a larger rate selection, which may provide you with more bang for your buck. If your premiums go up, it’s simple to move the policy and that require little work on your part.

An agent who is captive is limited to one insurance company like an Auto-Owners or State Farm agent. These guys and gals cannot shop your coverage around, so you will not be able to compare other companys’ rates.

If you want to buy insurance direct, you bypass either of the other two types of agents and buy direct either online or via phone. This insurance option is good for families who do not have a complex risk profile and understand what coverages, limits, and deductibles they need.

Which way is best for finding cheap insurance for a Nissan Versa in Alabama? It would be easy to say buying from a direct company saves money because you bypass the middleman, but that generally is not the case. We’d also like to say an independent agency is the best way to go since they have more companies to choose from, but again, that’s not accurate. In the right set of circumstances, exclusive agents have price quotes that other insurance companies cannot touch.

Because of the variability of insurance rates, the best way to get rock-bottom rates is to compare lots of quotes. To cover all the bases, get rate quotes from all three to get a good idea who is cheapest. For a list of insurance companies with low rates, click here to view.

How to find economical insurance for a Nissan Versa

The list below summarizes many penny-pinching solutions that can help drivers locate the cheapest coverage.

• Increase your policy deductibles
• Being accident-free can lower rates significantly
• Violations like speeding or DUI increase rates
• Having too many claims will increase rates substantially
• Do not pay for full coverage on older vehicles
• Compare rates once a year for cheaper prices

The last tip in the list is especially crucial, as we hit on in the prior information. Prices charged by car insurance companies in Alabama adjust frequently, so don’t be tentative to change to a new company if a better rate can be found. We understand brand loyalty, but it’s not a great idea if that stubbornness costs you a considerable chunk of change every month. In less than five minutes you could compare rates to find cheaper auto insurance for a Nissan Versa.