Save Money on Nissan Versa Insurance in Jacksonville

How long has it been since you compared quotes for low-cost Nissan Versa insurance in Jacksonville? Are you at wits end from sacrificing other expenses to buy insurance? You have the same problem as millions of other people.

Insurance for Nissan VersaAmazingly, most drivers kept buying from the same company for at least the last four years, and just short of a majority have never compared quotes from other companies. Consumers in Florida can save as much as 55% each year just by getting comparison quotes, but they don’t understand how simple it is to compare rate quotes online.

Multiple insurance companies compete for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the cheapest price on Nissan Versa insurance in Jacksonville.

Learn How to Lower Your Insurance Premiums

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other factors are not as apparent such as your marital status or your vehicle rating.

The items below are just a few of the factors that factor into premiums.

First Step: Get free Nissan Versa insurance quotes

When comparing car insurance rates, know that comparing all the rates in your area provides better odds of finding a better price. Some insurance companies are not set up to provide price estimates online, so you need to compare rates from those companies as well.

The auto insurance companies shown below are our best choices to provide quotes in Jacksonville, FL. If multiple companies are shown, it’s a good idea that you visit as many as you can to get a more complete price comparison.

Rates and information analytics

The premium table below showcases a range of insurance prices for Nissan Versa models. Having insight into how auto insurance policy rates are figured is important for drivers to make smart choices when buying a policy.

Nissan Versa Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $206 $442 $392 $24 $118 $1,182 $99
Versa 1.8 S Hatchback $240 $634 $392 $24 $118 $1,408 $117
Versa 1.8 S SEDAN $240 $634 $392 $24 $118 $1,408 $117
Versa 1.8 SL Hatchback $276 $730 $392 $24 $118 $1,540 $128
Versa 1.8 SL SEDAN $276 $730 $392 $24 $118 $1,540 $128
Get Your Own Custom Quote Go

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in specific garaging location which can raise or lower coverage prices greatly.

Rate difference between full and liability-only coverage

The example below illustrates the difference between Nissan Versa auto insurance costs when comparing full coverage to state minimum liability only. The premiums assume no claims or violations, $250 deductibles, single status, and no discounts are factored in.

Deciding between full coverage and liability only

There is no set rule of when to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your Nissan Versa replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Why you need auto insurance

Despite the potentially high cost of Nissan Versa insurance, maintaining insurance is mandatory in Florida but it also protects more than you think.

First, just about all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability coverage in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a lienholder, almost all lenders will require that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the lender may insure your Nissan at a much higher rate and force you to pay the higher premium.

Third, auto insurance protects both your assets and your vehicle. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If your Nissan gets damaged, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of buying enough insurance outweigh the cost, particularly for liability claims. According to a 2015 survey, the average American driver overpays more than $800 each year so smart consumers compare quotes at least once a year to save money.

Take policy discounts and save on Nissan Versa insurance in Jacksonville

Auto insurance companies don’t necessarily list every possible discount very clearly, so the following list contains a few of the more common as well as the least known discounts that may be available.Discount car insurance

It’s important to understand that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, that’s just not realistic. But all discounts will cut your overall premium however.

The information below visualizes the comparison of Nissan Versa annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no violations or accidents, Florida 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 homeowner, safe-driver, multi-policy, multi-car, claim-free, and marriage discounts applied.

Larger car insurance companies and their offered discounts can be read below.

Double check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in Jacksonville. To view insurance companies that can offer you the previously mentioned discounts in Jacksonville, click this link.

Compare prices but buy from a neighborhood Jacksonville auto insurance agent

A lot of people prefer to have an agent’s advice and doing that can be a smart decision The best thing about getting free rate quotes online is the fact that drivers can get lower prices and still choose a local agent. Supporting neighborhood agents is important especially in Jacksonville.

Find insurance agent in JacksonvilleTo make it easy to find an agent, after completing this simple form, the coverage information is immediately sent to participating agents in Jacksonville that can give you free Jacksonville car insurance quotes for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go immediately to your email address. Get lower rates without requiring a lot of work. If you need to get a price quote from a specific insurance provider, you would need to find their quoting web page and fill out the quote form the provide.

If you want to buy insurance from a local Jacksonville insurance agency, you should know the different agency structures and how they are slightly different. Insurance agencies in Jacksonville are either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Agents in the independent channel do not work for one specific company so they can quote policies with many different companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to switch agencies. When shopping rates, it’s a good idea to check rates from multiple independent agents to have the most options to choose from.

Shown below is a small list of independent agencies in Jacksonville who may provide competitive price quotes.

6180 Fort Caroline Rd #3Jacksonville, FL 32277(904) 743-3492View Map

4828 Blanding Blvd Suite 1Jacksonville, FL 32210(904) 376-7200View Map

841 Prudential Drive, 12th FloorJacksonville, FL 32207(904) 764-7531View Map

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Exclusive Agents

Exclusive agencies have only one company to place business with like AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents.

Below are exclusive agents in Jacksonville who can help you get rate quotes.

12058 San Jose Blvd #302Jacksonville, FL 32223(904) 268-5522View Map

7025 Normandy BlvdJacksonville, FL 32205(904) 781-3800View Map

3546 St Johns Bluff Rd S #109Jacksonville, FL 32224(904) 645-8880View Map

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Choosing an auto insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:

Insurance is unique, just like you

When buying insurance from an agent or online, there really is not a cookie cutter policy. Your financial needs are unique and your insurance should unique, too.Safe vehicles cost less to insure
For instance, these questions may help highlight whether your personal situation will benefit from professional help.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Shop smart and save

Cost effective Nissan Versa insurance is available online and with local Jacksonville insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and usually these small, regional companies only sell through independent agencies.

We just showed you quite a bit of information on how to find lower-cost Nissan Versa insurance in Jacksonville. It’s most important to understand that the more companies you get rates for, the better likelihood of getting cheaper Jacksonville car insurance quotes. Consumers may even find the most savings is with an unexpected company. Some small companies often have lower rates on specific markets as compared to the big name companies such as GEICO and State Farm.

Steps to finding lower priced Nissan Versa insurance in Jacksonville

If you want to find the absolute lowest rates, then the best way to save money on Nissan Versa insurance is to start doing an annual price comparison from insurance carriers who provide auto insurance in Jacksonville. Drivers can shop around by following these guidelines.

  1. Spend some time learning about individual coverages and the modifications you can make to prevent rate increases. Many policy risk factors that result in higher prices like at-fault accidents, careless driving, and a not-so-good credit score can be eliminated by making minor changes to your lifestyle.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while independent agents can quote rates from multiple insurance companies.
  3. Compare the new rates to your existing rates and see if there is a cheaper rate. If you find a better price and decide to switch, verify that coverage does not lapse between policies.

One thing to point out is that you’ll want to compare identical deductibles and limits on each price quote and and to get prices from as many carriers as you can. Doing this guarantees a level playing field and the best price selection.

More information is available on the following sites: