How to Save on Chula Vista Nissan Versa Insurance

It’s safe to conclude that car insurance companies want to keep you from shopping around. Drivers who compare other prices will probably buy a different policy because the odds are good of finding good coverage at a lower price. Remarkably, a study showed that drivers who compared rates regularly saved over $860 a year compared to people who never shopped for cheaper rates.

If finding the lowest price on car insurance in Chula Vista is the reason you’re reading this, then having a good understanding the best way to compare car insurance can help make the process easier.

Discount Nissan Versa insuranceThe best way we recommend to find discount Nissan Versa insurance is to start comparing prices regularly from insurance carriers who provide car insurance in Chula Vista. This can be done by completing these steps.

A good tip to remember is to try to use similar limits and deductibles on every quote and and to get prices from as many different companies as possible. This provides a level playing field and the best price quote selection.

Locating the most cost-effective insurance policy in Chula Vista is quite easy. In essence, every driver who carries insurance will most likely find a lower price. Although California drivers benefit from understanding how big insurance companies calculate your policy premium and use this information to your advantage.

To find the best insurance rates, there are several ways of comparing rates from many different California insurance companies. By far the easiest way to comparison shop is to jump online and get quotes.

Comparing free price quotes online is easy and it, takes the place of having to drive to and from local Chula Vista insurance agencies. Quoting Nissan Versa insurance online makes this process obsolete unless you want the extra assistance of a local Chula Vista agent. It is possible with some companies find lower rates online and have a local agent actually service the policy.

When comparison shopping, getting more free quotes will increase your chances of finding the best offered rates. Some companies don’t provide Chula Vista Versa insurance quotes over the internet, so you also need to get price quotes from the smaller companies as well.

The companies in the list below can provide price comparisons in California. To find cheap car insurance in Chula Vista, we suggest you click on several of them to get the best price comparison.

Coverage analysis

The coverage table displayed next showcases a range of insurance costs for Nissan Versa models. Being more informed about how rates are formulated can help you make informed purchases.

Nissan Versa Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $188 $350 $456 $26 $136 $1,156 $96
Versa 1.8 S Hatchback $220 $502 $456 $26 $136 $1,340 $112
Versa 1.8 S SEDAN $220 $502 $456 $26 $136 $1,340 $112
Versa 1.8 SL Hatchback $252 $580 $456 $26 $136 $1,450 $121
Versa 1.8 SL SEDAN $252 $580 $456 $26 $136 $1,450 $121
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can modify premium rates substantially.

The chart below shows how choosing a deductible and can impact Nissan Versa insurance prices for each different age group. The prices are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Impact of violations and accidents on rates

The diagram below shows how speeding tickets and at-fault fender-benders can influence Nissan Versa auto insurance costs for each different age category. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Comparison of car insurance rates by gender and age

The illustration below illustrates the comparison of Nissan Versa auto insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied.

Rate comparison of full coverage and liability-only

The illustration below visualizes the comparison of Nissan Versa insurance costs when comparing full coverage to liability only. The rates are based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are taken into consideration.

Should you buy full coverage or liability only?

There isn’t a steadfast formula for phasing out physical damage insurance, but there is a general convention. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s say your Nissan Versa replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the deductible is paid. If you are paying in excess of $500 annually for full coverage, then it could be time to drop full coverage.

There are some conditions where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Decisions You Make Can Impact Your Insurance Rates

Lots of factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but other factors are not quite as obvious such as your credit history or how financially stable you are. Consumers need to have an understanding of some of the factors that go into determining the rates you pay for auto insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Safer cars means better rates – Safer cars tend to have better insurance rates. These vehicles protect occupants better and better occupant protection means less claims paid and more competitive rates for policyholders.

Drivers with excellent credit save on auto insurance – Having a bad credit rating will be a significant factor in your rate calculation. If your credit history is not that good, you could be paying less to insure your Nissan Versa if you clean up your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores.

Discounts for auto and home policies – Many auto insurance companies will give lower prices to insureds that have more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare Nissan Versa rates in Chula Vista to make sure you are getting the best deal.

The type of car, truck or SUV makes a difference – The performance level of the car or truck you own makes a substantial difference in your auto insurance rates. Lower cost passenger cars usually are quite affordable to insure, but there are many factors that impact the final cost.

The next chart uses these variables: married male driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows Nissan Versa rates compared to other vehicles that have a range of performances.

Nissan Versa insurance loss statistics – Insurers use historical loss data to help calculate a profitable premium price. Vehicles that tend to have higher losses will have increased rates.

The information below illustrates the historical insurance loss data for Nissan Versa vehicles. For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is equal to 100. Values under 100 are indicative of better than average losses, while numbers shown that are more than 100 point to more losses or statistically larger claims.

Nissan Versa Insurance Loss Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Versa 116 110 92 190 203 138
Nissan Versa Note 112 96 85 161 171 133

Statistics from for 2013-2015 Model Years

Protect more than your Versa

Even though it’s not necessarily cheap to insure a Nissan in Chula Vista, paying for auto insurance serves a purpose in several ways.

The benefits of buying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. Today the average American driver overpays more than $865 each year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.