Trying to find cheaper insurance for a Nissan Versa in Arizona can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for auto insurance and you need to know the absolute fastest way to quote coverages for a new or used Nissan and get the best price possible.
Consumers need to quote other rates every six months because rates are adjusted regularly by insurance companies. Just because you found the best deal on Nissan Versa insurance in Chandler at your last renewal you will most likely find a better price today. Ignore everything you know about auto insurance because you’re going to learn the only way to find lower rates on auto insurance.
The companies shown below offer free rate quotes in Arizona. In order to find cheaper auto insurance in Chandler, it’s a good idea that you compare several of them to get a more complete price comparison.
Why you need insurance for your Nissan vehicle
Even though Chandler Versa insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.
- Just about all states have mandatory liability insurance requirements which means the state requires a minimum amount of liability insurance coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, almost all lenders will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Nissan for a much higher rate and require you to fork over a much higher amount than you were paying before.
- Car insurance preserves your car and your assets. Insurance will pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your car insurance policy will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. As of last year, the average driver in Arizona is overpaying over $865 each year so you should quote and compare rates at every policy renewal to make sure the price is not too high.
Data for Nissan Versa insurance
The rate table shown next covers different insurance premium costs for Nissan Versa models. Having a better understanding of how auto insurance prices are formulated can be useful when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $166 | $362 | $390 | $24 | $116 | $1,058 | $88 |
| Versa 1.8 S Hatchback | $194 | $520 | $390 | $24 | $116 | $1,244 | $104 |
| Versa 1.8 S SEDAN | $194 | $520 | $390 | $24 | $116 | $1,244 | $104 |
| Versa 1.8 SL Hatchback | $222 | $598 | $390 | $24 | $116 | $1,350 | $113 |
| Versa 1.8 SL SEDAN | $222 | $598 | $390 | $24 | $116 | $1,350 | $113 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates noticeably.
Higher deductibles save money
One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The figures shown below determine the difference in cost between low and high policy deductibles. The first data set uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $192 | $382 | $300 | $18 | $90 | $1,007 | $84 |
| Versa 1.8 S Hatchback | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Versa 1.8 S SEDAN | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Versa 1.8 SL Hatchback | $258 | $632 | $300 | $18 | $90 | $1,323 | $110 |
| Versa 1.8 SL SEDAN | $258 | $632 | $300 | $18 | $90 | $1,323 | $110 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $140 | $258 | $300 | $18 | $90 | $806 | $67 |
| Versa 1.8 S Hatchback | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Versa 1.8 S SEDAN | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Versa 1.8 SL Hatchback | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Versa 1.8 SL SEDAN | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can affect auto insurance rates considerably.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $22 more each month or $264 each year averaged for all Versa models than quoting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 18 months between claim filings, you would come out ahead going with the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $101 |
| Average monthly premium for $500 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One thing to be aware of is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a physical damage claim. That will necessitate some extra funds in order to pay the higher deductible.
The information below shows how different deductible levels and can affect Nissan Versa annual premium costs for each different age category. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.
Insurance cost for men versus women
The illustration below shows the difference between Nissan Versa annual premium costs for male and female drivers. The rate quotes are based on no violations or claims, full physical damage coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Discounts for lower-cost insurance quotes
Some providers don’t necessarily list their entire list of discounts very clearly, so the list below gives a summary of some of the best known and also the lesser-known credits available to bring down your rates.
- Discounts for New Vehicles – Buying a new car instead of a used Versa can save up to 30% because new model year vehicles keep occupants safer.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will qualify for a discount on a Chandler car insurance quote.
- No Charge for an Accident – This one is not really a discount per se, but a few companies such as State Farm and GEICO may permit one accident without getting socked with a rate hike if your claims history is clear prior to being involved in the accident.
- Active Military Service – Having a deployed family member may lower your prices slightly.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with some insurance companies.
Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.
The information below shows the difference between Nissan Versa yearly insurance costs with and without discounts applied to the premium. The data assumes a male driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, claim-free, homeowner, and multi-car discounts applied.
Auto insurance companies who might offer these benefits may include but are not limited to:
Before you buy a policy, ask every insurance company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurers that offer multiple discounts in Arizona, click this link.
Compare rates but work with a local Chandler insurance agency
A lot of people would prefer to visit with an insurance agent and that is just fine! Professional insurance agents can help you build your policy and help file insurance claims. A nice benefit of comparing insurance prices online is that you can find cheaper prices and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your insurance data is sent to companies in Chandler that give free quotes for your auto insurance coverage. You don’t have to contact any agents because prices are sent directly to your email. If for some reason you want to get a rate quote for a specific company, you can always find their quoting web page and give them your coverage information.
Selecting a company needs to be determined by more than just a cheap price. Any agent in Chandler should be forthright in answering these questions:
- How would your car be valued if totaled?
- How often do they review policy coverages?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How much will you save each year by using a higher deductible?
- Does the company have a solid financial rating?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Different people need different auto insurance coverages
When quoting and choosing a policy, there really is no “perfect” insurance plan. You are unique and your auto insurance should be unique as well.
These are some specific questions can aid in determining if you might need professional guidance.
- Should I buy full coverage?
- Do I need motorclub coverage?
- Is my Nissan Versa covered for flood damage?
- What does UM/UIM cover?
- What is the rate difference between pleasure use and commuting?
- When should I remove my kid from my policy?
- Does car insurance cover theft of personal property?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with 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. It’s fast, doesn’t cost anything and can provide invaluable advice.
Best auto insurance in Chandler
Picking a high-quality auto insurance company can be challenging considering how many companies there are to choose from in Arizona. The information below may help you decide which car insurance providers to look at shopping prices with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Auto insurance savings summarized
We covered many tips how you can reduce Nissan Versa insurance premium rates online in Chandler. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper Chandler car insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.
Budget-friendly auto insurance in Chandler can be sourced both online and from local insurance agents, so you need to shop Chandler car insurance with both in order to have the best price selection to choose from. A few companies don’t offer rate quotes online and usually these smaller providers sell through local independent agencies.
How to find affordable Nissan Versa insurance in Chandler
The preferred way to get affordable car insurance rates in Chandler is to start comparing rates regularly from providers that insure vehicles in Arizona.
Step 1: Get a basic knowledge of how auto insurance works and the measures you can take to prevent expensive coverage. Many rating factors that result in higher rates such as traffic violations, accidents, and an unacceptable credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the quotes to your current policy and determine if cheaper Versa coverage is available. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
A crucial key to this process is that you use identical deductibles and limits on every price quote and and to get price estimates from as many carriers as you can. Doing this provides a fair rate comparison and a complete selection of prices.
More resources
- Bodily Injury Coverage (Liberty Mutual)
- How Much are Car Insurance Rates for a GMC Sierra in Chandler? (FAQ)
- How Much are Chandler Car Insurance Quotes for Inexperienced Drivers? (FAQ)
- What Auto Insurance is Cheapest for Government Employees in Chandler? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Things to Know Before you Cancel Insurance (Allstate)