Best Cheap Insurance for a Nissan Versa in Delaware

Anytime the topic is car insurance, the words “cheap” or “affordable” should not appear anywhere in the article. The fact is, cheap auto insurance for a Nissan Versa is not always easy to find. Don’t get your dauber down, because we are going to show you some ways you can quote and buy coverage that doesn’t cost an arm and a leg.

Your ability to find the best cheap coverage for a Nissan Versa in Delaware hinges on a complex rating formula that takes into consideration things like age of the vehicle, if you are a frequent claim filer, and if you had any at-fault accidents in the last few years. Drivers pay on average $1,390 annually to insure a Versa, but that figure is a ballpark figure based on rates for a 30-year-old single male that includes full coverage and $250 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you aren’t exactly 30 years old or even a male, possibly married instead of single, or maybe you live in a different area as the quoted rates. Auto insurance is unique to every driver, so the best method for finding cheap insurance rates for your Nissan is to make a habit of regularly comparing rates from other companies. Get a free quote now and you can get rates from the cheapest companies in Delaware.

Save Now on Versa Insurance

Your vehicle’s trim level tends to impact the cost of coverage, so the price you pay to insure a Versa 1.6 SEDAN will be $374 less than the insurance cost for the higher-priced Versa 1.8 SL SEDAN version, as shown below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in Delaware location which can affect price quotes considerably.

Insuring your vehicle with a good quality insurer is difficult considering how many companies are available to choose from in Delaware. The company rank data in the lists below may help you analyze which companies you want to consider when shopping your coverage around.

The rankings below are only made up of companies with a nationwide focus, so companies that may only write in Delaware are not factored into this list. To get price quotes from these and other competitive companies, simply click here.

Top 10 Major Auto Insurance Providers in Delaware Ranked by A.M. Best Rating

1. Travelers – A++
2. GEICO – A++
3. State Farm – A++
4. USAA – A++
5. Nationwide – A+
6. Allstate – A+
7. The Hartford – A+
8. Progressive – A+
9. Titan Insurance – A+
10. Esurance – A+

Top 10 Major Auto Insurance Providers in Delaware Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Nationwide – 89%
5. Progressive – 88%
6. Safeco Insurance – 88%
7. State Farm – 88%
8. Allstate – 88%
9. Travelers – 88%
10. The Hartford – 87%

Top Companies for Nissan Versa Insurance in Delaware

Rate comparison of full coverage and liability-only

Finding the best cheap insurance for a Nissan Versa in Delaware is the goal of most drivers, and one of the quickest ways to pay less for insurance is to not buy full coverage. The information below shows the comparison of car insurance costs with full phyical damage coverage and with liability coverage only. The rate quotes are based on a clean driving record, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

As an average for all age groups, physical damage insurance costs $2,539 per year more than carrying just liability coverage. That is a significant amount which raises the question if physical damage coverage is worth the money. There is no specific rule to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

Shop around and save

Delaware insurance rates are impacted by many things that may substantially change the cost of your policy. Simply getting older, having a teen driver, or getting caught speeding can cause premium changes that can cause some rates to be more affordable than before.

Also, insurance companies modify rates without warning to reflect underwriting profits or losses. Higher than normal claims can result in more expensive prices, while lower claim levels can produce cheaper Versa insurance rates.

For instance, the data below shows the cheapest car insurance in Delaware for a 40-year-old male driver with no violations or accidents, and good financial standing. Based on his current situation, USAA offers the most affordable car insurance rates in Delaware at $848 a year. This is $1,157 less than the average price paid by Delaware drivers of $2,005. Travelers, Nationwide, Atlantic States, and California Casualty are the remainder of the cheapest Delaware auto insurance companies.

The chart below compares rates after we give the driver in the first example a claim, less-than-perfect credit, and a speeding citation. Since each auto insurer uses their own calculation to determine rates, comparing rates could result in a different list of the cheapest car insurance companies in Delaware as shown below.

GEICO now has the best car insurance rate in Delaware with Donegal Mutual, National Grange Mutual, Travelers, and USAA also being competitive. This example illustrates why drivers need to compare as many rates as possible when trying to find the cheapest car insurance rates for a Nissan Versa.

Rates can be altered by many different factors and change dramatically, so the most economical option the last time you checked may now be costing you a lot of money.

How to find more affordable auto insurance for a Nissan Versa

The list below details a few penny-pinching solutions that can help Delaware drivers quote lower-cost car insurance.

• Do not get into accidents that are your fault
• Better credit scores save money
• Drive safe vehicles
• Increase deductibles to save money
• Do not get traffic tickets
• Compare prices as often as possible

The last suggestion is very necessary, as we pointed out in this write-up. Coverage prices fluctuate constantly, so don’t hesitate to change to a new company if you find a better deal. Having brand loyalty is commendable, but it’s not a great idea if that loyalty results in overpaying money that could be spent on other things. In less than five minutes you could compare rates and find cheaper car insurance for a Nissan Versa.

Who has the cheapest Nissan Versa insurance quotes?

Due to technology, there are many ways to find cheaper insurance in Delaware, but the most popular methods are from an independent or non-exclusive agent, an exclusive insurance agent like State Farm or Liberty Mutual, or buying direct from a company like Geico or Progressive. They all have the same end result, but they differ slightly in how they provide rate quotes.

Independent agents write for multiple companies and can compare rates with each one. These types of agencies are not locked into one company and can quote rates with many companies, which may give you the best shot at cutting your rates. If they find a cheaper price, your policy is moved internally which prevents you from having to find a new agency.

An exclusive agent is usually restricted to a single insurance company, two examples are a State Farm or Allstate agent. These agents are unable to quote prices from more than a single company, so they are skilled at selling on more than just price.

Buying direct means you do not use a local insurance agent and buy buying direct from a company like Progressive or Esurance. This insurance option may be the best choice people who have limited assets and know more than average about how insurance works.

Out of those three methods, which one works best to buy the best cheap insurance for a Nissan Versa in Delaware? It would be simple to say buying from a direct car insurance company saves money because you bypass the middleman, but in reality, that argument does not hold true. We could also say that going through an independent agent can save the most money since they can provide multiple quotes, but again, it’s not necessarily true. In the right set of circumstances, the exclusive agents have coverage prices well below independent agents AND direct companies.

Due to the large number of rating factors, really the only way to find out which one is cheapest is to get as many comparison quotes as possible. If you have the time, get rate quotes from all three to have the best selection of rates to choose from. For a list of companies with some of the cheapest Delaware insurance rates, click here to view.