Do you need a better way to compare the cheapest Nissan Versa insurance in San Antonio? Locating low-cost insurance for a Nissan Versa in Texas can be an all-consuming task, but you can learn our car insurance buying tips to make it easier.
There are both good and bad ways to compare car insurance rates so you’re going to learn the proper way to compare rates for your Nissan and obtain the lowest price either online or from San Antonio insurance agents.
It’s a known fact that insurance companies don’t want you to look for cheaper rates. Consumers who shop around for cheaper prices are likely to switch to a new company because of the good chance of finding coverage at a cheaper rate. A recent car insurance study revealed that drivers who regularly compared rates saved approximately $72 a month compared to people who never compared rates.
If finding discount rates on Nissan Versa insurance in San Antonio is why you’re reading this, then having an understanding of the best ways to find and compare insurance coverage can make the process more efficient.
It’s a good idea to check car insurance prices before your policy renews because prices are constantly changing. Even if you think you had the lowest price on Nissan Versa insurance in San Antonio a couple years back there may be better deals available now. There is lot of inaccurate information about Versa insurance out there, but by reading this article, you’re going to learn some proven techniques to find affordable car insurance in San Antonio.
Affordable car insurance in San Antonio, TX
The companies shown below are our best choices to provide comparison quotes in Texas. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
The table shown next outlines detailed analysis of insurance costs for Nissan Versa models. Having a better idea how insurance rates are established can be valuable when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$188||$400||$400||$24||$120||$1,132||$94|
|Versa 1.8 S Hatchback||$220||$572||$400||$24||$120||$1,336||$111|
|Versa 1.8 S SEDAN||$220||$572||$400||$24||$120||$1,336||$111|
|Versa 1.8 SL Hatchback||$254||$660||$400||$24||$120||$1,458||$122|
|Versa 1.8 SL SEDAN||$254||$660||$400||$24||$120||$1,458||$122|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in garaging location in San Antonio which can change insurance rates considerably.
Violations and accidents raise rates
The illustration below shows how traffic citations and fender-benders drive up Nissan Versa insurance costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
Get discounts on San Antonio car insurance
Car insurance can be pricey, but there are discounts available that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but some need to be inquired about before you will receive the discount.
- San Antonio Homeowners Discount – Being a homeowner may trigger a policy discount on car insurance since home ownership is proof of financial responsibility.
- Membership in Organizations – Participating in a professional or civic organization could qualify you for a break on your policy.
- Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates than less cautious drivers.
- Payment Method – If you pay your bill all at once rather than paying monthly you may have a lower total premium amount.
- Driver Safety – Taking a defensive driver class could possibly earn you a 5% discount depending on where you live.
- Accident Free – San Antonio drivers who stay claim-free pay less in comparison to accident-prone drivers.
Please keep in mind that most credits do not apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.
The example below illustrates the comparison of Nissan Versa insurance prices with and without discounts applied to the policy rates. The prices are based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, claim-free, and safe-driver discounts applied.
Insurance companies that possibly offer these discounts may include but are not limited to:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
If you are trying to find affordable San Antonio car insurance quotes, ask every prospective company how many discounts you can get. Some discounts listed above may not apply in your area. To view insurance companies that offer the discounts shown above in Texas, click here to view.
How Your Versa Insurance Costs are Determined
The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help determine the price you pay for car insurance. When you know what positively or negatively impacts premium levels, this enables you to make decisions that could help you find better car insurance rates. Lots of factors are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, although some other factors are not quite as obvious such as whether you are married or how safe your car is.
The factors shown below are some of the major factors used by your company to calculate your premiums.
Rural vs Urban Areas – Being located in less populated areas of the country may provide you with better prices when it comes to car insurance. Fewer drivers translates into fewer accidents and lower theft and vandalism rates. People who live in big cities have traffic congestion and more severe claims. More time behind the wheel translates into higher accident risk.
Always keep your policy in place – Driving your car without having proper coverage is a big no-no and your next policy will cost more because you let your insurance lapse for non-payment. Not only will rates go up, getting caught without coverage could result in fines and jail time.
Eliminate add-on coverages – There are a ton of add-on coverages that sound like a good idea at the time if you aren’t careful. Coverages like vanishing deductibles, towing coverage, and Farm Bureau memberships are probably not needed. They may seem good at first, but your needs may have changed so remove them from your policy.
Credit score impacts rates – An insured’s credit rating can be a huge factor in determining what you pay for car insurance. Therefore, if your credit rating is not that good, you may save money insuring your Nissan Versa if you improve your credit rating. Insureds that have very good credit scores tend to be less risk to insure than drivers who have poor credit.
Your spouse saves you money – Your spouse helps lower the price on car insurance. Having a spouse means you’re more financially stable it has been statistically shown that married drivers get in fewer accidents.
Claims statistics for a Nissan Versa – Car insurance companies analyze past claim statistics when they set coverage costs for each model. Models that the data determines to have a trend towards higher claims will have a higher cost to insure.
The next table illustrates the compiled insurance loss statistics for Nissan Versa vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers shown that are under 100 suggest a positive loss record, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Versa Note||112||96||85||161||171||133|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Your car insurance coverage should be tailored to you
When it comes to choosing adequate coverage, there really is not a one-size-fits-all type of policy. Your financial needs are unique.
For instance, these questions might help in determining if you might need an agent’s assistance.
- Does insurance cover tools stolen from my truck?
- Should I buy only the required Texas minimum liability coverage?
- Can my teen drive my company car?
- Is a blown tire covered by insurance?
- Do I have coverage if my license is suspended?
- How long can I keep a teen driver on my policy?
- When should my teen driver be added to my policy?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.
Buying from insurance agents
A lot of people prefer to have an agent’s advice and that can be a great decision Professional agents will help you protect your assets and help in the event of a claim. The best thing about getting free rate quotes online is that drivers can save money and get lower premium rates and still have an agent to talk to. Buying insurance from neighborhood agents is especially important in San Antonio.
After completing this form (opens in new window), your insurance data is sent to agents in your area who will give you bids for your insurance coverage. There is no need to find an agent on your own since rate quotes are delivered to your email. If you want to compare rates for a specific company, just navigate to their website and submit a quote form there.
What types of auto insurance agents are in San Antonio?
If you prefer to buy auto insurance from a local San Antonio insurance agency, you need to know there are two different agency structures and how they are slightly different. Auto insurance policy providers can be classified as either independent agents or exclusive agents. Either one can do a good job, but it’s good to learn the difference in the companies they write for because it can influence your selection of an agent.
Independent agents are not limited to a single company so they can insure your vehicles with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, the business is moved internally and you don’t have to do anything.
When comparing auto insurance rates, you need to get rate quotes from at least one independent agent so that you can do a thorough price comparison. Most have the option of insuring with less well-known companies that many times have cheaper rates.
Shown below is a small list of independent insurance agencies in San Antonio who can help you get free auto insurance rate quotes.
- IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870 – View Map
- Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 – View Map
- Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
Exclusive Auto Insurance Agents
Agents in the exclusive channel can usually just insure with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare rates from other companies so they are skilled at selling on more than just price. These agents are well schooled in insurance sales which helps offset the inability to provide other markets. Many people buy from exclusive agents mostly because of the brand name and strong financial ratings.
Shown below are San Antonio exclusive insurance agencies that are able to give price quotes.
- Ryan Meier – State Farm Insurance Agent
8015 Bandera Rd #102 – San Antonio, TX 78250 – (210) 680-6557 – View Map
- Kellie Moore – State Farm Insurance Agent
10103 TX-1604 Loop #102 – San Antonio, TX 78254 – (210) 688-7707 – View Map
- Diana Ybarra – State Farm Insurance Agent
420 Jackson Keller Rd – San Antonio, TX 78216 – (210) 366-0086 – View Map
Selecting a insurance agent should depend on more than just the bottom line cost. These are valid questions to ask:
- Are they giving you every discount you deserve?
- Is every driver in your family covered?
- If they are an independent agency in San Antonio, which companies do they recommend?
- Can glass repairs be made at your home?
- Do they get extra compensation for selling add-on coverages?
- Does the company use OEM repair parts?
- If your car is totaled, how to they determine the replacement cost?
- How long has their agency been in business in San Antonio?
Persistence will pay off
We just showed you a lot of tips how to lower your Nissan Versa insurance prices in San Antonio. The key concept to understand is the more providers you compare, the better likelihood of getting low cost San Antonio car insurance quotes. Consumers could even find that the best prices are with an unexpected company.
Lower-priced car insurance in San Antonio can be found online as well as from independent agents in San Antonio, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not provide online price quotes and most of the time these small insurance companies only sell coverage through local independent agents.
When searching for inexpensive San Antonio car insurance quotes, you should never buy poor coverage just to save money. In too many instances, someone sacrificed liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
- Where can I buy Insurance? (Insurance Information Institute)
- How Much is San Antonio Auto Insurance After a Speeding Ticket? (FAQ)
- How Much is San Antonio Auto Insurance for a Chevrolet Equinox? (FAQ)
- How Much are San Antonio Auto Insurance Quotes for Nurses? (FAQ)
- Shopping for a Safe Car (Insurance Information Institute)
- Drunk Driving Statistics (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)