Everyone knows that insurance companies don’t want you comparing rates. Drivers who shop around annually will probably buy a different policy because there is a great chance of finding a lower-priced policy. A recent study showed that consumers who regularly compared rates saved as much as $860 a year as compared to drivers who never shopped around for better prices.
If finding discount rates on Nissan Versa insurance in Aurora is the reason for your visit, then having some knowledge of how to compare insurance can help simplify the process.
The recommended way to find cheaper prices for car insurance rates in Aurora is to start doing a yearly price comparison from different companies who sell insurance in Colorado. You can compare prices by following these guidelines.
- Step 1: Read about auto insurance and the modifications you can make to drop your rates. Many factors that cause rate increases such as multiple speeding tickets and a poor credit rating can be eliminated by being financially responsible and driving safely. Keep reading for more details to keep prices down and find missing discounts.
- Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can quote rates from multiple insurance companies. View a list of agents
- Step 3: Compare the quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money, ensure there is no coverage lapse between policies.
- Step 4: Give proper notification to your current agent or company of your decision to cancel the current policy. Submit payment along with a signed and completed policy application for the new coverage. As soon as you have the new policy, put the new proof of insurance certificate in an easily accessible location.
One thing to remember is to try to compare the same liability limits and deductibles on each price quote and and to get rates from as many different companies as possible. Doing this provides an apples-to-apples comparison and the best price selection.
If you have insurance now or just want to reduce your rates, use these techniques to buy cheaper auto insurance without reducing coverage. Obtaining price quotes for the cheapest policy in Aurora is easy to do. Consumers just have to use the most efficient way to compare prices from multiple carriers.
Most of the larger companies like State Farm and Allstate give price estimates from their websites. The process doesn’t take much effort as you just enter your coverage information as requested by the quote form. Behind the scenes, their system automatically orders information on your driving record and credit history and returns a price quote based on these and other factors.
The ability to get online price quotes for Nissan Versa insurance in Aurora helps simplify price comparisons, and it’s necessary to have as many quotes as possible if you want to get the cheapest insurance rates.
To get comparison pricing now, compare quotes from the companies shown below. To compare your current rates, we recommend you duplicate deductibles and limits exactly as shown on your declarations page. This way, you will get a rate comparison using the exact same coverages.
The companies shown below can provide quotes in Aurora, CO. To get the cheapest auto insurance in Aurora, CO, we recommend you visit as many as you can in order to get a fair rate comparison.
Auto insurance statistics and figures
The rate information displayed next highlights a range of insurance rates for Nissan Versa models. Having knowledge of how policy premiums are determined can be of help when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $194 | $424 | $456 | $28 | $136 | $1,238 | $103 |
| Versa 1.8 S Hatchback | $228 | $608 | $456 | $28 | $136 | $1,456 | $121 |
| Versa 1.8 S SEDAN | $228 | $608 | $456 | $28 | $136 | $1,456 | $121 |
| Versa 1.8 SL Hatchback | $260 | $702 | $456 | $28 | $136 | $1,582 | $132 |
| Versa 1.8 SL SEDAN | $260 | $702 | $456 | $28 | $136 | $1,582 | $132 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific Aurora garaging location which can decrease or increase auto insurance rates noticeably.
The information below shows how different deductible levels and can increase or decrease Nissan Versa insurance costs for different categories of driver ages. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Careless Aurora drivers pay higher rates
The diagram below shows how violations and at-fault accidents increase Nissan Versa car insurance rates for each different age group. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
Car insurance is not optional but you don’t have to overpay
Even though Aurora Versa insurance rates can get expensive, maintaining insurance is required in Colorado but also provides important benefits.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a loan on your Versa, more than likely the lender will require you to have full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and make you pay for it.
- Car insurance preserves not only your car but also your assets. It will also provide coverage for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, your car insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $825 a year so shop around at every renewal to ensure rates are inline.
When to get professional advice
Always keep in mind that when comparing a policy, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover whether or not you might need an agent’s assistance.
- Are my friends covered when driving my car?
- Does my policy pay for OEM or aftermarket parts?
- Is water damage covered by my policy?
- Which is better, split liability limits or combined limits?
- Am I covered if I break a side mirror?
- Exactly who is provided coverage by my policy?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.
Car insurance coverages explained
Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
Collision coverage protection
Collision insurance covers damage to your Versa from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible on your Versa in order to get cheaper collision rates.
Comprehensive auto coverage
This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a bird, a broken windshield and theft. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability car insurance
Liability coverage can cover injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/15 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $15,000 of coverage for damaged property.
Liability coverage protects against claims such as medical expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying higher limits.
The next chart demonstrates why buying the state minimum limits may not provide you with enough coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since many Colorado drivers only purchase the least amount of liability that is required (25/50/15 in Colorado), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
You can lower your auto insurance rates
You just read quite a bit of information on how to compare Nissan Versa insurance prices in Aurora. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper Aurora car insurance quotes. Drivers may even discover the biggest savings come from some of the smallest insurance companies.
Insureds change insurance companies for many reasons like delays in responding to claim requests, unfair underwriting practices, being labeled a high risk driver or poor customer service. It doesn’t matter why you want to switch switching auto insurance companies can be pretty painless.
Some insurance companies may not provide price quotes online and these smaller providers provide coverage only through independent agents. Discount Nissan Versa insurance can be bought both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money.
Additional auto insurance information is available at these links:
- Tread Depth and Tire Safety (State Farm)
- Who Has Affordable Aurora Auto Insurance Quotes for a Honda CR-V? (FAQ)
- How Much are Aurora Auto Insurance Quotes for High School Students? (FAQ)
- Who Has Affordable Aurora Car Insurance Quotes for a School Permit? (FAQ)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)
- Child Safety FAQ (iihs.org)