Buying the cheapest auto insurance for a Nissan Versa in Pennsylvania depends on a complex formula that considers things such as how far you drive to work, your profession, and whether or not you are a good driver. Drivers in Pennsylvania pay approximately $871 per year to insure their Versa, but that is a projection based upon a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Every driver’s needs are different, and that is why the only real way to find cheap auto insurance rates for your Nissan is to compare rates from as many companies as possible. Get a free quote now and you will be able to compare rates from some of the cheapest companies around.
The trim level of your Nissan has an effect on the insurance rate, so the price you will be charged to insure a Versa 1.6 SEDAN trim level will be $206 less expensive the price to insure the higher-priced Versa 1.8 SL SEDAN model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$114||$254||$398||$24||$120||$910||$76|
|Versa 1.8 S Hatchback||$134||$366||$398||$24||$120||$1,042||$87|
|Versa 1.8 S SEDAN||$134||$366||$398||$24||$120||$1,042||$87|
|Versa 1.8 SL Hatchback||$154||$420||$398||$24||$120||$1,116||$93|
|Versa 1.8 SL SEDAN||$154||$420||$398||$24||$120||$1,116||$93|
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can raise or lower premium rates significantly.
Determining which company quotes the best auto insurance rates for a Nissan Versa requires a little more effort than just picking a company at random. Each insurance company has their own formula for setting prices, so we’ll take a look at the lowest cost auto insurance companies in Pennsylvania.
It’s important that you understand Philadelphia, PA auto insurance rates are impacted by many things that can increase the cost of coverage. Simply having a birthday, moving to a new city, or having an at-fault accident can trigger rate changes resulting in some companies being cheaper than before.
Best Insurance Companies for Your Versa
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,397|
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General Casualty offers some of the lowest car insurance rates in Philadelphia at around $726 per year. This is $931 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Penn National, and Erie would also be considered some of the cheapest Philadelphia, PA auto insurance companies.
As shown above, if you currently buy coverage from USAA and switched to General Casualty, you may realize a yearly price reduction of roughly $83. Pennsylvania drivers with Penn National may save as much as $90 a year, and Erie customers might reduce rates by $90 a year.
Understand that those estimates are averages for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for a Nissan Versa. So the auto insurance company that can offer you the best rate may not even be in the list above. That helps illustrate why you need to get rate quotes using your own personalized driver profile and vehicle information.
How to get discounts on Philadelphia car insurance
Insurers that provide policies for a Nissan Versa could also offer rate discounts that could lower prices by as much as 25% or more if you qualify. Larger auto insurance companies and the discounts they provide include:
- American Family offers discounts including early bird, bundled insurance, multi-vehicle, mySafetyValet, and good student.
- State Farm may include discounts for good student, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, and passive restraint.
- 21st Century has savings for teen driver, early bird, air bags, automatic seat belts, driver training, homeowners, and student driver.
- Travelers offers discounts for continuous insurance, home ownership, new car, multi-policy, hybrid/electric vehicle, and good student.
- GEICO discounts include emergency military deployment, military active duty, multi-policy, anti-theft, seat belt use, membership and employees, and five-year accident-free.
The chart below shows the comparison of insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, passive restraint, vehicle safety, anti-theft, and claim-free discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for a Nissan Versa is 28% or $613.
The information below shows how choosing a deductible can affect premium costs when researching cheap insurance for a Nissan Versa. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 50-year-old driver could reduce rates by $216 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $324 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could possibly save as much as $532 or more just by choosing higher deductibles. When raising deductibles, it is important to have enough funds in savings to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
The benefit of shopping around
Pennsylvania auto insurance rates are impacted by many factors that may substantially change the price you pay. Simply turning a year older, moving across town, or having an accident can cause premium changes resulting in some companies being much cheaper than others. Not only that, but auto insurance companies change prices without warning to ensure their profitability. Heavy losses can result in higher priced premiums, while a profitable period may cause cheaper Versa insurance rates.
For example, the bar chart below shows the company with the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with no accidents or violations, and great credit. When quoting prices based on his current risk factors, General Casualty may offer the lowest car insurance rates in Philadelphia at $1,666 each year. This is $9 more than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National are the remainder of the cheapest Philadelphia, PA auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example an at-fault accident, bad credit, and a traffic citation. Since each company has a unique approach to set their prices, getting updated rate quotes may now result in a significantly different list of the cheapest car insurance companies in Philadelphia as shown below.
Auto-Owners now has the best insurance rate in Philadelphia with Atlantic States, Donegal Mutual, USAA, and Penn National completing the list. This shows why Pennsylvania drivers need to perform a complete rate comparison to get affordable insurance rates for a Nissan Versa.
Auto insurance prices are made up of many things and change frequently, so the most economical company six months ago may now be priced much higher than other options.
How to find economical auto insurance for a Nissan Versa
The list below shows some money-saving suggestions that can help Philadelphia drivers get cheap car insurance.
- Discounts for being claim-free can be substantial
- Do not insure for full coverage
- Higher credit scores may earn you cheaper rates
- Home or renters coverage can save on auto insurance
- Buy safe vehicles
- Increase your comprehensive and collision deductibles
- Compare quotes from other companies often
That last tip is notably vital, as we noted in the prior information. Coverage prices in Philadelphia change a lot, so don’t be tentative to buy a policy from a new company if you find a better deal. Staying with the same company for years is fine, but it’s not a good idea if that dedication is costing a fortune every year. Take a few minutes and compare prices to find cheaper car insurance for a Nissan Versa.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when buying car insurance for a Versa, the insurance agencies below can most likely help you determine which auto insurance coverages would be the best in your situation.
To find a Philadelphia insurance agent closest to you, click the button link following the list.
- Kevin Lowber – State Farm Insurance Agent
1347 E Hunting Park Ave – Philadelphia, PA 19124 – (215) 533-9010
- First Rate Insurance
7790 Rockwell Ave Suite 1 – Philadelphia, PA 19111 – (215) 725-6700
- Vince Ovecka – State Farm Insurance Agent
456 E Girard Ave – Philadelphia, PA 19125 – (215) 739-0800
- Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110
- Brian Madalion – State Farm Insurance Agent
7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900