Car Insurance Rates for a Nissan Versa in Philadelphia

Discount Nissan Versa insuranceComparing and finding cheap rates for Nissan Versa insurance in Philadelphia may be quite difficult for drivers not familiar with quoting and comparing prices online. With so many insurance agents and insurers to choose from, it can be a burden to find better prices on Nissan Versa insurance.

Amazingly, a recent study showed that a large majority of drivers have remained with the same car insurance company for well over three years, and virtually 40% of consumers have never quoted car insurance rates at all. Drivers in Philadelphia could save approximately $686 every year just by comparing rates, but most tend to underestimate how much money they would save if they just switched companies.

Smart consumers take time to compare prices quite often because prices trend upward over time. Even if you got the best deal on Nissan Versa insurance in Philadelphia six months ago you can probably find a better rate now. Don’t believe everything you read about Versa insurance out there, but I’m going to show you some great ideas on how to slash your car insurance rates in Philadelphia.

Finding and buying affordable policy in Philadelphia is simple if you know the tricks. Basically, every car owner who is required by state law to have auto insurance will be able to find lower rates. Although Pennsylvania vehicle owners should learn how big insurance companies price insurance differently because rates fluctuate considerably.

Car insurance providers offering affordable rates in Pennsylvania

The providers in the list below can provide price quotes in Pennsylvania. If more than one company is shown, it’s highly recommended you visit as many as you can to find the cheapest car insurance rates.

Insurance statistics for a Nissan Versa

The information displayed below showcases detailed analysis of insurance premium costs for Nissan Versa models. Learning how auto insurance premiums are determined is important to be able to make decisions when shopping around.

Nissan Versa Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $210 $420 $330 $20 $98 $1,078 $90
Versa 1.8 S Hatchback $246 $602 $330 $20 $98 $1,296 $108
Versa 1.8 S SEDAN $246 $602 $330 $20 $98 $1,296 $108
Versa 1.8 SL Hatchback $284 $694 $330 $20 $98 $1,426 $119
Versa 1.8 SL SEDAN $284 $694 $330 $20 $98 $1,426 $119
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in specific location which can raise or lower price quotes noticeably.

How high should deductibles be?

When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The comparisons below may help to conceptualize the differences in premium rates when you select higher and lower policy deductibles. The first set of rates uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Nissan Versa insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $188 $352 $330 $20 $98 $1,013 $84
Versa 1.8 S Hatchback $222 $506 $330 $20 $98 $1,201 $100
Versa 1.8 S SEDAN $222 $506 $330 $20 $98 $1,201 $100
Versa 1.8 SL Hatchback $254 $582 $330 $20 $98 $1,309 $109
Versa 1.8 SL SEDAN $254 $582 $330 $20 $98 $1,309 $109
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Nissan Versa insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $116 $222 $330 $20 $98 $786 $66
Versa 1.8 S Hatchback $136 $318 $330 $20 $98 $902 $75
Versa 1.8 S SEDAN $136 $318 $330 $20 $98 $902 $75
Versa 1.8 SL Hatchback $158 $366 $330 $20 $98 $972 $81
Versa 1.8 SL SEDAN $158 $366 $330 $20 $98 $972 $81
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price information does not factor in garaging location in Philadelphia which can change coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $24 more each month or $288 each year than quoting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 31 months between claim filings, you would probably be better off if you opt for a higher deductible.

Drive responsibly or pay higher rates

The chart below illustrates how speeding tickets and at-fault accidents impact Nissan Versa annual premium costs for different insured age categories. The information is based on a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Car insurance quotes and discounts

Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so we took the time to find some of the more common and also the more inconspicuous car insurance savings.

Drivers should understand that some credits don’t apply to the whole policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

The example below shows the difference between Nissan Versa yearly insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.

A few companies that possibly offer most of the discounts above include:

When comparing rates, check with each insurance company which discounts you may be entitled to. Savings might not apply in your state.

Buying from insurance agents

Many drivers prefer to sit down and talk to an agent and that is a smart decision The biggest benefit of getting free rate quotes online is the fact that you can find cheap rate quotes but also keep your business local. And supporting local agents is still important in Philadelphia.

Find insurance agent in PhiladelphiaAfter filling out this form (opens in new window), the quote information is transmitted to local insurance agents in Philadelphia that provide free Philadelphia auto insurance quotes for your coverage. You won’t even need to find an agent due to the fact that quote results will go straight to your inbox. It’s the lowest rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from one company in particular, you would need to navigate to their website and complete a quote there.

What type of Philadelphia auto insurance agent is right for you?

When finding a reputable agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Car insurance policy providers are considered either independent or exclusive.

Independent Agents

Agents that choose to be independent are not restricted to one company so they can quote policies through many companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, we recommend you get quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Many can place coverage with different regional companies who may have lower rates.

Listed below is a list of independent insurance agents in Philadelphia that may be able to provide price quotes.

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Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company like State Farm, Allstate and AAA. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on sales techniques which aids in selling service over price. Some insured continue to buy from exclusive agents partially due to the prominence of the brand and the convenience of having all coverages with one company.

Listed below are Philadelphia exclusive agents who can help you get comparison quotes.

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Choosing the best auto insurance agent requires more thought than just the premium amount. Below are some questions you should ask.

If you receive reasonable responses to these questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets your needs to provide car insurance coverage. But keep in mind you are entitled to cancel your policy whenever you want so don’t feel that you are obligated to the car insurance policy indefinitely.

Insurance policy specifics

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, theft, damage from a tornado or hurricane, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible on your Versa to save money on collision insurance.

Auto liability insurance

This coverage can cover damage that occurs to people or other property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/5 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, funeral expenses, legal defense fees and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Pennsylvania requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The illustration below demonstrates why the minimum limit may not be enough.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses like doctor visits, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Versa.

Because many people only purchase the least amount of liability that is required (15/30/5 in Pennsylvania), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Smart shoppers get results

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at a price you can afford while still protecting your assets.

Drivers switch companies for a variety of reasons including delays in paying claims, being labeled a high risk driver, extreme rates for teen drivers and not issuing a premium refund. No matter why you want to switch, finding the right car insurance provider can be easy and end up saving you some money.

In this article, we presented some good ideas how to shop for Nissan Versa insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding affordable Philadelphia auto insurance quotes. Drivers may even discover the biggest savings come from the least-expected company.

For more information, take a look at the resources below: