How to Compare Fort Wayne Nissan Versa Insurance

Getting affordable Fort Wayne Nissan Versa insurance quotes on the web may be difficult for people who are beginners to quoting and online price comparisons. With a ridiculous number of companies, how can anyone effectively compare the different rates to find cheaper insurance rates?

Insurance quote for Nissan Versa in Fort WayneWe don’t have to tell you that auto insurance companies don’t want you shop around. Drivers who shop around for a cheaper policy are highly likely to switch to a new company because they have a good chance of finding a more affordable policy. A study showed that consumers who routinely compared rates saved as much as $3,500 over four years compared to those who never shopped around for cheaper prices.

If finding discount rates on Nissan Versa insurance in Fort Wayne is your target objective, knowing the best way to compare insurance can make the process more efficient.

It’s smart to compare premium rates before your policy renews because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest quotes on Nissan Versa insurance in Fort Wayne two years ago you can probably find a better rate now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the fastest and easiest way to properly buy coverages while reducing your premium.

Our objective is to familiarize you with the most effective way to quote insurance and some tricks to saving. If you currently have auto insurance, you should be able to save money using the tips covered below. But Indiana car owners must comprehend the way insurance companies calculate their prices because it can help you find the best coverage.

Cheaper Fort Wayne insurance rates with discounts

Companies don’t always list every discount very clearly, so the next list breaks down a few of the more common and also the more inconspicuous discounts that you may qualify for.

Drivers should understand that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, you’re out of luck.

The information below shows the difference between Nissan Versa insurance premiums with and without discounts applied to the premium. The price estimates are based on a male driver, a clean driving record, no claims, Indiana 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-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

Popular insurance companies and some of the premium reductions they offer are outlined below.

Check with each company how many discounts you can get. Discounts might not apply in every state. If you would like to choose from a list of insurance companies that offer many of these discounts in Fort Wayne, follow this link.

Cheap Fort Wayne Nissan Versa insurance price quotes

The are a couple different ways of comparing price quotes from local Fort Wayne insurance companies. The quickest method to find cheaper Nissan Versa rates is to perform an online rate comparison. Just remember that quoting more will increase your chances of finding the best offered rates. Not every company allows you to get Fort Wayne Versa insurance quotes online, so you need to compare quotes from them as well.

The companies shown below are ready to provide quotes in Fort Wayne, IN. If your goal is to find the cheapest auto insurance in Indiana, we suggest you click on several of them in order to find the cheapest rates.

Coverage information

The coverage table below covers detailed analysis of rate quotes for Nissan Versa models. Learning more about how insurance prices are determined can benefit drivers when making informed purchases.

Nissan Versa Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $138 $298 $264 $16 $80 $796 $66
Versa 1.8 S Hatchback $162 $426 $264 $16 $80 $948 $79
Versa 1.8 S SEDAN $162 $426 $264 $16 $80 $948 $79
Versa 1.8 SL Hatchback $186 $492 $264 $16 $80 $1,038 $87
Versa 1.8 SL SEDAN $186 $492 $264 $16 $80 $1,038 $87
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in vehicle location which can decrease or increase rates noticeably.

Physical damage deductible comparison

One of the most common car insurance questions is at what level do you set your deductibles. The following tables approximate the premium difference of buying low and high physical damage coverage deductibles. The first pricing table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Nissan Versa insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $162 $300 $280 $16 $84 $867 $72
Versa 1.8 S Hatchback $188 $430 $280 $16 $84 $1,023 $85
Versa 1.8 S SEDAN $188 $430 $280 $16 $84 $1,023 $85
Versa 1.8 SL Hatchback $216 $496 $280 $16 $84 $1,117 $93
Versa 1.8 SL SEDAN $216 $496 $280 $16 $84 $1,117 $93
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Nissan Versa insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $100 $188 $280 $16 $84 $668 $56
Versa 1.8 S Hatchback $116 $270 $280 $16 $84 $766 $64
Versa 1.8 S SEDAN $116 $270 $280 $16 $84 $766 $64
Versa 1.8 SL Hatchback $134 $312 $280 $16 $84 $826 $69
Versa 1.8 SL SEDAN $134 $312 $280 $16 $84 $826 $69
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific garaging location which can lower or raise premiums considerably.

Based on the figures above, using a $250 deductible will cost you roughly $22 more each month or $264 for a full year across all Nissan Versa models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 34 months between claims, you would most likely save money if you opt for a higher deductible. The illustration below shows a better example of how you can make your own decision.

Average monthly premium for $250 deductibles: $86
Average monthly premium for $1,000 deductibles (subtract): – $64
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

One thing to note is that raising deductibles means you pay more out-of-pocket when you do file a claim. You need to have some extra funds in order to pay the deductible to have repairs made.

Impact of careless driving on Fort Wayne car insurance rates

The information below shows how traffic citations and accident claims drive up Nissan Versa yearly insurance costs for different age groups of insureds. The rate quotes are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Difference between full coverage and liability only rates

The example below visualizes the comparison of Nissan Versa insurance costs with full physical damage coverage and with liability coverage only. Data assumes no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.

When to stop paying for full coverage

There is no set guideline for dropping comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Nissan Versa replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your deductible. If you are paying in excess of $300 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Why Your Insurance Premiums might be higher

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that come into play when calculating your car insurance rates. If you know what impacts premium levels, this allows you to make good choices that can help you get better car insurance rates.

Situations that may require an agent’s advice

When quoting and comparing a policy, there isn’t really a one-size-fits-all type of policy. Everyone’s situation is unique and your car insurance should be unique as well. Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Insurance agent or online?

Some people still prefer to get professional advice from a licensed agent and that can be a smart move One of the great benefits of comparing rate quotes online is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying from neighborhood insurance agencies is definitely important in Fort Wayne.

Fort Wayne insurance agentsFor easy comparison, once you complete this form (opens in new window), your coverage information is submitted to agents in your area that provide free Fort Wayne car insurance quotes for your insurance coverage. You don’t have to contact any insurance agencies as quotes are delivered to the email address you provide. It’s the lowest rates without having to waste a lot of time. In the event you want to compare prices from a particular provider, just find their quoting web page and complete a quote there.

If you want to use a reputable agency, you should know the types of agencies and how they work. Agents are considered either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents (or Brokers)

Agents of this type are normally appointed by many insurers and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency.

If you are trying to find cheaper rates, it’s recommended you get some free quotes from at least one independent agent to maximize your price options. Most independent agents also contract with companies you’ve never heard of which can be an advantage.

Featured below is a partial list of independent agents in Fort Wayne that may be able to provide cheap rate quotes.

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Exclusive Auto Insurance Agents

Exclusive insurance agents write business for a single company such as American Family, State Farm, and AAA. Exclusive agents are unable to place coverage with different providers so they are skilled at selling on more than just price. These agents receive extensive training on their company’s products which helps offset the inability to provide other markets. A lot of people use the same agent partially due to the brand and the convenience of having a single billing for all their coverages.

The following are Fort Wayne exclusive insurance agencies that are able to give price quotes.

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Deciding on an insurance agency is decision based upon more than just the quoted price. Here are some questions you might want to ask.

If you get reasonable responses to these questions and a low price estimate, you have narrowed it down to an insurance agency that meets your needs to properly insure your vehicles.

Buying the right Versa insurance in Indiana is an important decision

Despite the high cost, maintaining insurance serves a purpose in several ways.

The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. On average, a vehicle owner in Fort Wayne is wasting up to $750 every year so compare rate quotes at every policy renewal to make sure the price is not too high.

Indiana car insurance company ratings

Insuring your vehicle with a highly-rated auto insurance company can be a challenge considering how many choices there are in Indiana. The ranking information shown next could help you decide which car insurance companies you want to consider buying from.

Top 10 Fort Wayne Car Insurance Companies Ranked by Customer Service

  1. Nationwide
  2. State Farm
  3. Safeco Insurance
  4. American Family
  5. Titan Insurance
  6. Travelers
  7. Liberty Mutual
  8. GEICO
  9. Erie Insurance
  10. Allstate

Top 10 Fort Wayne Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Don’t give up on cheap rates

Throughout this article, we presented many ways to compare Nissan Versa insurance rates in Fort Wayne. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper Fort Wayne car insurance quotes. Drivers may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

Some insurance companies don’t offer online rate quotes and usually these smaller providers prefer to sell through independent agents. Cheaper auto insurance in Fort Wayne can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.

How to find more affordable Nissan Versa insurance in Fort Wayne

The most effective way to get low-cost auto insurance rates in Fort Wayne is to compare quotes annually from providers in Indiana.

A key point to remember is to compare identical coverage information on each quote request and to quote with as many different companies as possible. This helps ensure the most accurate price comparison and a better comparison of the market.

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