Buying economical coverage for a Nissan Versa in Arizona is usually pretty straightforward, but it hinges on many factors such as whether you use your Versa for business use, your credit history, and any prior driving offenses you have. Drivers pay around $684 a year for Versa insurance, but that price is an estimation based on a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
There’s a good chance you are not 40 and maybe not even a female, maybe you are single instead of married, and maybe you want higher deductibles. Just a slight change in policy rating criteria or coverages could end up in a significant change in rates.
There is no one cookie-cutter policy that works for everyone, so the only real way to find cheap insurance rates for your Nissan is to compare as many rates as possible.
Your Nissan’s trim level impacts the yearly cost, so the price you will pay to insure a Versa 1.6 SEDAN model will cost $160 less than the insurance cost for the high end Versa 1.8 SL SEDAN trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$92||$198||$314||$18||$94||$716||$60|
|Versa 1.8 S Hatchback||$108||$284||$314||$18||$94||$818||$68|
|Versa 1.8 S SEDAN||$108||$284||$314||$18||$94||$818||$68|
|Versa 1.8 SL Hatchback||$124||$326||$314||$18||$94||$876||$73|
|Versa 1.8 SL SEDAN||$124||$326||$314||$18||$94||$876||$73|
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Rates do not factor in Chandler location which can affect premium rates greatly.
Figuring out which company has the lowest-priced auto insurance rates for a Nissan Versa involves a little more sweat in order to find the best price. Each auto insurance company has their own process to set premium rates, so let’s take a look at the most competitive auto insurance companies in Chandler, AZ.
It’s a good idea to be aware that Chandler auto insurance rates are determined by lots of factors that may substantially change the policy premium. Turning one year older, becoming a homeowner, or having an accident can produce rate changes that can cause some rates to be more affordable than the competition.
Best Cheap Insurance Rates for Your Versa
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford offers some of the lowest car insurance rates in Chandler at around $811 each year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the most economical Chandler, AZ car insurance companies.
In this example, if you currently buy coverage from USAA and switched to Auto-Owners, you might see an annual premium reduction of about $225. Insureds with Progressive may save as much as $230 a year, and GEICO customers might reduce prices by as much as $278 a year.
To get a fast rate comparison, click here to start your free quote or visit several of the following companies.
It’s important to note that these prices are averages for all drivers and vehicles in Arizona and and are not calculated with an exact location for a Nissan Versa. So the car insurance company that is best for you may not even be in the top 28 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.
The diagram below demonstrates how deductibles can change premium costs when quoting cheap insurance for a Nissan Versa. The prices are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
A 50-year-old driver could cut expenses by $360 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $538 by switching to a $1,000 deductible. Youthful drivers, like the age 20 example, could roll back prices $926 or more by choosing a higher deductible. If you do raise deductibles, it will be important to have additional funds squirreled away to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Here’s why you should shop around
Chandler auto insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Getting older, increasing liability limits, or having an at-fault accident may generate price changes that can now make some companies cheaper than competitors. Also, car insurance companies change premium rates as needed to adjust for unexpected claims or profits. Higher than usual claims may result in more expensive premiums, while lower claim expenses can produce cheaper Versa insurance rates.
The chart below shows the companies that have the cheapest car insurance in Chandler, AZ for a 30-year-old female driver with a clean driving record, no accidents, and great credit. If we compare prices based on her current risk factors, The Hartford might quote the most affordable car insurance rates in Chandler at $1,083 a year. This is $345 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the cheapest Chandler, AZ auto insurance companies.
Let’s now give the driver from the first rate comparison a chargeable claim, a lower credit score, and a stop sign violation. Since each company has a different formula for determining rates in each state, comparing rates could result in a slightly different list of the cheapest Chandler car insurance companies as shown below.
Ameriprise Group now has the best price in Chandler, AZ with GEICO, Allied, CSAA, and Farm Bureau Mutual now rounding out the top five. This example illustrates why it is important to shop around when trying to find the lowest insurance rates for a Nissan Versa. Prices can be altered by many different factors and change frequently, so the best price six months ago may now be quite expensive.
If you would rather have some professional guidance when comparing insurance rates for a Nissan Versa, the agencies below are a good start to aid you in deciding which car insurance company is the best fit.
To find a Chandler insurance agency closest to you, click the link after the list or click here to compare price quotes.
Stacy Beatty – State Farm Insurance Agent
3165 S Alma School Rd Ste 27 – Chandler, AZ 85248 – (480) 855-0665
Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408
Paula Koroso – State Farm Insurance Agent
569 N Arizona Ave – Chandler, AZ 85225 – (480) 792-1400