Affordable Rate Quotes for Nissan Versa Insurance in Austin

Would you like an easy way to compare lower-priced Nissan Versa insurance in Austin? Trying to find cheaper insurance for a new or used Nissan Versa in Texas can be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare car insurance rates and you need to know the best way to quote coverages for a Nissan and locate the cheapest rates from Austin insurance agents and online providers.

Shopping for affordable protection in Austin is simple if you know the tricks. If you have a current auto insurance policy or want to find a cheaper company, follow these tips to cut your premiums without sacrificing coverage. You just need to learn the fastest way to get comparison rates online.

Low-cost companies for Nissan Versa insurance

The providers in the list below provide free rate quotes in Austin, TX. If multiple companies are listed, it’s highly recommended you visit several of them to get the most competitive price.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in specific zip code location which can raise or lower rates greatly.

Comparison of auto insurance rates by gender and age

The example below visualizes the comparison of Nissan Versa insurance premiums for male and female drivers. The rates are based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Choosing deductibles

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The rates below approximate the costs and benefits when you select higher and lower policy deductibles. The first table uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in specific Austin garaging location which can impact coverage rates substantially.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $16 more each month or $192 each year than selecting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 16 months between claim filings, you would save more money by going with a higher deductible.

Earn discounts to get lower-cost Austin insurance quotes

Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain reductions will be credited when you purchase, but some must be specifically requested before you will receive the discount. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

• Government Employee Discount – Federal government employees could cut as much as 10% off with select insurance companies.
• Auto/Home Discount – If you have multiple policies with the same company they may give you a discount of at least 10 to 15 percent or more.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Austin car insurance quote.
• Claim-Free Discount – Insureds with no claims or accidents pay much less compared to drivers with a long claim history.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance too.
• Telematics Devices – Austin drivers who agree to allow their insurance company to look at driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
• Distant College Student Discount – College-age children who live away from home at college and do not have a car could qualify for this discount.
• Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
• Professional Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
• Accident Waiver – This one isn’t a discount, but certain companies will let one accident slide before raising your premiums if you are claim-free prior to being involved in the accident.

Remember that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will bring down your policy premiums.

A list of companies and a partial list of their discounts are detailed below.

• Farm Bureau has discounts for youthful driver, renewal discount, multi-vehicle, multi-policy, safe driver, driver training, and 55 and retired.
• Liberty Mutual includes discounts for teen driver discount, new vehicle discount, newly married, new graduate, multi-car, newly retired, and safety features.
• State Farm offers discounts for defensive driving training, good student, good driver, accident-free, safe vehicle, and driver’s education.
• Auto-Owners Insurance discounts include multi-policy, paperless, student away at school, anti-theft, safe driver, anti-lock brakes, and safe vehicle.
• GEICO offers discounts including anti-theft, driver training, five-year accident-free, seat belt use, anti-lock brakes, and emergency military deployment.
• SAFECO may have discounts that include teen safe driver, teen safety rewards, homeowner, multi-car, and anti-theft.

When quoting, ask all the companies to give you their best rates. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see insurance companies that offer the discounts shown above in Texas, click here.

Insurance agencies near you

Some consumers still like to get advice from a local agent and there is nothing wrong with that. Licensed agents are trained risk managers and give you someone to call. The best thing about comparing rates online is you can get the lowest rates and still have a local agent. And buying from local insurance agents is important particularly in Austin.

After completing this quick form, the quote information is emailed to participating agents in Austin who will return price quotes for your coverage. There is no need to leave your computer due to the fact that quote results will go to you instantly. If you wish to quote rates from one company in particular, you would need to find their quoting web page and fill out the quote form the provide.

If you are wanting to purchase insurance from a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are classified as either independent or exclusive. Both insure your vehicles, but it is important to understand the difference between them since it can affect which type of agent you select.

Independent Insurance Agents

Agents that elect to be independent can quote rates with many companies so they can insure your vehicles through lots of different companies depending on which coverage is best. If they find a cheaper price, your agent can switch companies and you won’t have to switch agencies.

If you need lower rates, we recommend you include price quotes from at least one independent agent to get the best comparison. Most also have access to different regional companies that can offer cheaper rates than bigger companies.

Featured below is a short list of independent insurance agents in Austin that can give you cheap rate quotes.

• Greater Texas Insurance
  9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055 – View Map
• Danback Insurance Agency
  8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map
• Starr Insurance Agency
  8801 Research Blvd #104 – Austin, TX 78758 – (512) 586-2000 – View Map

More Austin agents

Exclusive Agencies

Exclusive agencies are contracted to one company and some examples include American Family, State Farm, and AAA. They are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. These agents receive extensive training on what they offer and that can be a competitive advantage. Some consumers prefer to buy from the same agent for years primarily because of the prominent brand name rather than low price.

Listed below are Austin exclusive agents who can help you get price quotes.

• Jane McQuiggin-Hutson – State Farm Insurance Agent
  2307 W Parmer Ln – Austin, TX 78727 – (512) 973-8501 – View Map
• Nancy Callahan – State Farm Insurance Agent
  3500 Jefferson St #313 – Austin, TX 78731 – (512) 451-7573 – View Map
• J B Ruebsahm – State Farm Insurance Agent
  1901 W William Cannon Dr #131 – Austin, TX 78745 – (512) 444-1845 – View Map

More Austin agents

Choosing the best auto insurance agent is decision based upon more than just a cheap price. Here are some questions to ask:

• How is replacement cost determined on your vehicle?
• Do the coverages you’re quoting properly cover your vehicle?
• Are they full-time agents?
• How long has their agency been in business in Austin?
• Do they review policy coverages at every renewal?

Specifics of your car insurance policy

Having a good grasp of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability

This coverage will cover damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 30/60/25 which means a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, repair costs for stationary objects, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Texas drivers have only the minimum liability required by law (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Collision insurance

This coverage covers damage to your Versa caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, sideswiping another vehicle, backing into a parked car, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible on your Versa to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Compare. Compare. Compare.

Some insurance companies may not offer rate quotes online and usually these small insurance companies only sell coverage through independent agencies. Cheaper insurance in Austin can be bought online and from local agencies, and you should be comparing both to get a complete price analysis.

Drivers switch companies for a variety of reasons including policy non-renewal, unfair underwriting practices, an unsatisfactory settlement offer and even poor customer service. It doesn’t matter what your reason, finding a great new company is easier than you think.

In this article, we presented some good ideas how you can lower your Nissan Versa insurance premium rates in Austin. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even be surprised to find that the most savings is with some of the lesser-known companies.

More information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• How Much is Auto Insurance for a Honda Accord in Austin? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Chevrolet Equinox in Austin? (FAQ)
• Who Has Affordable Car Insurance Rates for a Nissan Altima in Austin? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• How to Avoid Common Accidents (State Farm)
• Red Light Cameras (State Farm)