Compare Nissan Versa Insurance Rate Quotes in Dallas

It’s a known fact that insurance companies don’t want policyholders to shop around. Drivers who get comparison quotes once a year are very likely to move their business because the odds are good of finding lower prices. Surprisingly, a recent survey revealed that consumers who compared rates once a year saved on average $70 a month compared to those who never shopped around for lower prices.

If saving the most money on Nissan Versa insurance in Dallas is your goal, then having a good understanding how to choose a company and compare coverages can help you succeed in saving money.

If you want to save money, the best way to get affordable Nissan Versa insurance in Dallas is to do an annual price comparison from insurers who sell auto insurance in Texas.

1. Read and learn about how companies price auto insurance and the changes you can make to prevent expensive coverage. Many risk factors that are responsible for high rates like inattentive driving and poor credit rating can be improved by being financially responsible and driving safely.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies.
3. Compare the price quotes to the price on your current policy to see if cheaper Versa coverage is available. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
4. Provide written notification to your current company of your intention to cancel your current auto insurance policy. Submit a signed application and payment to the new insurer. Make sure you store the certificate of insurance in an easily accessible location.

One tip to remember is that you use identical limits and deductibles on every price quote and and to get prices from all possible companies. This ensures the most accurate price comparison and a thorough price selection.

Quoting and comparing the most affordable auto insurance policy in Dallas is not that difficult. If you are already insured or just want a better rate, use these techniques to shop for the lowest rates without sacrificing coverage. Consumers just need to learn the least time-consuming way to compare different rates from many companies at once.

The companies in the list below are our best choices to provide free rate quotes in Dallas, TX. If more than one company is shown, we suggest you compare several of them in order to find the most affordable rates.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Certain credits will be shown when you purchase, but less common discounts must be specifically requested before you will receive the discount.

• Multi-line Discount – Select insurance carriers reward you with better prices if you take out a life policy as well.
• Auto/Home Discount – When you have multiple policies and place coverage with the same company they may give you a discount of up to 20% off your total Versa insurance premium.
• No Claims – Drivers who don’t have accidents have much lower rates as opposed to accident-prone drivers.
• Telematics Data Discounts – Drivers that enable data collection to scrutinize driving habits through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
• Theft Deterrent – Cars optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
• Discounts for Multiple Vehicles – Insuring all your vehicles with the same car insurance company can reduce rates for all insured vehicles.
• Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from Dallas and don’t have a car could qualify for this discount.
• Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Professional Memberships – Joining a professional or civic organization is a simple method to lower premiums when shopping for car insurance.

Drivers should understand that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The example below shows the difference between Nissan Versa yearly insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, multi-car, and homeowner discounts applied.

A list of car insurance companies and a summarized list of policyholder discounts can be read below.

• GEICO policyholders can earn discounts including federal employee, driver training, five-year accident-free, multi-vehicle, and anti-theft.
• MetLife may offer discounts for good driver, defensive driver, multi-policy, good student, accident-free, claim-free
• State Farm has savings for multiple autos, accident-free, defensive driving training, passive restraint, and safe vehicle.
• Progressive offers discounts including online quote discount, homeowner, continuous coverage, multi-vehicle, online signing, multi-policy, and good student.
• Mercury Insurance has discounts for age of vehicle, professional/association, ease of repair, accident-free, and anti-theft.
• 21st Century may include discounts for automatic seat belts, 55 and older, early bird, theft prevention, defensive driver, air bags, and driver training.
• Allstate offers premium reductions for anti-lock brakes, good student, farm vehicle, utility vehicle, 55 and retired, safe driver, and premier discount.

When quoting, ask every insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not be available in Dallas.

Rate information and statistics

The price information displayed below showcases detailed analysis of policy rates for Nissan Versa models. Having knowledge of how car insurance premiums are calculated is important for drivers to make informed decisions when comparing rates.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in zip code location which can change rates greatly.

Should you raise deductibles?

When buying auto insurance, a common question is how low should you set your deductibles. The tables below help summarize the differences in price when you select higher and lower physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in zip code location which can influence price quotes considerably.

Based on these figures, using a $100 deductible would cost the average driver about $28 more each month or $336 every year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 14 months between claim filings, you would most likely save money going with the higher deductible.

The diagram below highlights how deductible choice and can affect Nissan Versa insurance premiums for different age categories. The prices are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Impact of violations and accidents on rates

The illustration below illustrates how speeding tickets and fender-benders can increase Nissan Versa auto insurance rates for different age categories. The prices are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

Annual premiums for males versus females in Dallas

The information below shows the comparison of Nissan Versa annual premium costs for male and female drivers. The data assumes no accidents or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.

How much more does full coverage cost in Dallas?

The diagram below visualizes the comparison of Nissan Versa car insurance rates when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or accidents, $250 deductibles, drivers are single, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There is no written rule of when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Nissan Versa settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying your deductible. If you are paying over $800 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. 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.

Local agents and car insurance

Certain consumers just want to sit down with an agent and that is just fine! Good insurance agents are trained to spot inefficiencies and help you file claims. A nice benefit of price shopping on the web is the fact that you can find better rates and still buy from a local agent. And providing support for local agencies is important especially in Dallas.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to local insurance agents who want to provide quotes for your business. It’s much easier because you don’t need to search for an agent because prices are sent instantly to you. If you need to get a comparison quote from one company in particular, just go to their quote page and fill out the quote form the provide.

If you need to find a local Dallas insurance agency, it’s helpful to know the different types of agencies and how they are distinctly different. Car insurance policy providers are classified as either exclusive or independent (non-exclusive). Both types of agents can write policy coverage, but it’s important to point out the difference between them since it could factor into which type of agent you select.

Independent Agencies or Brokers

Independent agencies are not employed by one company so as a result can place your coverage through lots of different companies and help determine which has the cheapest rates. If they find a cheaper price, an independent agent can move your coverage and that require little work on your part. If you are comparing car insurance prices, you will want to get several quotes from a few independent agents to maximize your price options.

Below is a list of independent insurance agencies in Dallas who may be able to give you competitive price quotes.

More insurance agents

Exclusive Car Insurance Agents

Exclusive insurance agents can only place business with one company like State Farm, Allstate, or Farmers Insurance. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are usually well trained on their products and sales techniques and that can be a competitive advantage.

Shown below are Dallas exclusive agencies that are able to give comparison quotes.

More insurance agents

Deciding on an insurance agency shouldn’t rely on just the bottom line cost. Any agent in Dallas should be willing to answer these questions.

• Is there a local claims center in Dallas?
• Do they assist clients in filing claims?
• When do they do a full risk review?
• Do they offer accident forgiveness?
• Is the quote a firm price?
• How long has the business existed?
• Is the agency involved in supporting local community causes?

If you feel you receive acceptable answers for all questions you ask as well as cheap Versa insurance quotes, you’ve probably found an auto insurance agent that meets your needs to adequately provide car insurance. But keep in mind once you purchase a policy you can terminate coverage whenever you choose to so don’t assume you are locked into the car insurance policy for the full term.

Nissan Versa Insurance Prices Can Be More Affordable

Many factors are used when quoting car insurance. Some of the criteria are obvious like your driving record, but other factors are more obscure like where you live or your commute time. An important part of buying insurance is that you know some of the elements that are used to determine your car insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that could help you find big savings.

Younger drivers are expensive to insure – More experienced drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit. Young drivers are proven to be easily distracted with other occupants in the car and because of this, their car insurance rates are much higher.

The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Drive less and save – Driving a lot of miles in a year’s time the more you’ll pay to insure it. Most companies charge rates partially by how you use the vehicle. Vehicles that have low annual miles can be on a lower rate level compared to those used for work or business. Having the wrong rating on your Versa can cost quite a bit. Make sure your policy is rated on the right rating data, because improper ratings can cost you money.

Your employer can affect rates – Occupational choices like military personnel, executives, and stock brokers tend to pay the highest rates attributed to intense work requirements and lengthy work days. Conversely, occupations like actors, engineers and homemakers pay the least.

Deter car thieves – Buying a car with an alarm system can get you a discount on your car insurance. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.

Liability coverage – Liability coverage provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Poor credit score equals high premiums – Your credit history is likely to be a major factor in calculating your car insurance rates. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with lower ratings. If your credit can use some improvement, you could be paying less to insure your Nissan Versa by repairing your credit.

Nissan Versa insurance claim data – Companies use past loss statistics for each vehicle when setting rates for each model. Vehicles that tend to have a trend towards higher claim severity or frequency will be charged more to insure. The table below illustrates the insurance loss data for Nissan Versa vehicles.

For each policy coverage, the statistical loss for all vehicles, without regard to make or model, is a value of 100. Numbers under 100 mean the vehicle has better than average losses, while values that are above 100 indicate more frequent losses or tendency to have higher losses.

Auto insurance just makes sense

Even though Dallas Versa insurance rates can get expensive, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Nissan Versa, it’s guaranteed your bank will stipulate that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Nissan for a lot more money and force you to pay much more than you were paying before.

Third, auto insurance protects your vehicle and your assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of your driving. If your Nissan gets damaged, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance are definitely more than the cost, especially when you need to use it. Unknowingly, the average driver is overpaying over $865 each year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.

In Summary

Cheaper auto insurance in Dallas is possible from both online companies as well as from independent agents in Dallas, and you should compare rates from both so you have a total pricing picture. Some insurance providers don’t offer rate quotes online and usually these smaller companies prefer to sell through local independent agencies.

When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many situations where an insured cut liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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