Do you want to learn how to find more competitive Nissan Versa insurance in Phoenix? If you are new to online price comparisons, it’s easy to get baffled due to the large selection of online auto insurance companies and websites offering coverage in Phoenix.
Unthinkable but true, about 70% of customers have purchased from the same company for well over three years, and virtually 40% of consumers have never quoted auto insurance rates at all. With the average premium in Arizona being $1,600, drivers could save an average of almost $700 each year just by shopping around, but they don’t know the actual amount they would save if they bought a different policy.
It’s a good idea to take a look at other company’s rates once or twice a year because insurance prices tend to go up over time. Just because you found the best deal on Nissan Versa insurance in Phoenix two years ago there is a good chance you can find better rate quotes now. Ignore everything you know about auto insurance because I’m going to teach you the best methods to properly buy coverages and cut your premium.
Locating the best rates in Phoenix is much easier if you have a good place to start. In essence, anyone who needs cheaper insurance most likely will be able to find lower rates. Nevertheless, Arizona drivers should learn how big insurance companies determine how much to charge and take advantage of how the system works.
Companies offering Nissan Versa insurance in Arizona
The car insurance companies shown below provide quotes in Phoenix, AZ. If the list has multiple companies, we suggest you visit two to three different companies to find the lowest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $184 | $432 | $390 | $24 | $116 | $1,146 | $96 |
| Versa 1.8 S Hatchback | $256 | $548 | $392 | $24 | $118 | $1,338 | $112 |
| Versa 1.8 S SEDAN | $108 | $298 | $338 | $20 | $102 | $866 | $72 |
| Versa 1.8 SL Hatchback | $146 | $362 | $288 | $18 | $86 | $900 | $75 |
| Versa 1.8 SL SEDAN | $180 | $482 | $390 | $24 | $116 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates greatly.
Policy deductible comparison
When buying auto insurance, a common question is what deductibles to buy. The following insurance rates may aid in understanding the price difference between high and low deductibles. The first rate table uses a $100 deductible and the second rate table uses a $1,000 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $106 | $202 | $300 | $18 | $90 | $716 | $60 |
| Versa 1.8 S Hatchback | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Versa 1.8 S SEDAN | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Versa 1.8 SL Hatchback | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
| Versa 1.8 SL SEDAN | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact prices substantially.
Based on these figures, using a $100 deductible costs an average of $32 more each month or $384 for a full year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 28 months between claims, you would more than likely save some money going with the higher deductible.
Irresponsible driving raises your rates
The information below demonstrates how traffic citations and accident claims can affect Nissan Versa auto insurance costs for different age categories. The premiums assume a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
Auto insurance rates and discounts
Companies offering auto insurance do not advertise every discount available in a way that’s easy to find, so the following list contains some of the best known in addition to some of the lesser obvious auto insurance savings. If you aren’t receiving every discount available, you could be saving more on your auto insurance.
- Professional Organizations – Participating in qualifying clubs or civic groups could trigger savings on your next auto insurance statement.
- Lower Rates for Military – Having an actively deployed family member may lower your rates slightly.
- Driver’s Education for Students – Require your teen driver to complete a driver education course if offered at their school.
- Sign Early and Save – Some auto insurance companies reward drivers for switching to them before your current expiration date. The savings is around 10%.
- Discount for Low Mileage – Low annual miles can qualify you for slightly better rates than normal.
- Senior Discount – If you’re over the age of 55, you are able to get better auto insurance rates.
- College Student – College-age children living away from Phoenix attending college without a vehicle on campus could qualify for this discount.
- Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
As a footnote on discounts, some of the credits will not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.
Popular auto insurance companies and some of the premium reductions they offer can be read below.
- AAA offers discounts including multi-policy, education and occupation, pay-in-full, AAA membership discount, multi-car, anti-theft, and good driver.
- Progressive discounts include homeowner, multi-vehicle, good student, online quote discount, multi-policy, online signing, and continuous coverage.
- State Farm includes discounts for defensive driving training, good student, passive restraint, multiple autos, Drive Safe & Save, and anti-theft.
- Esurance policyholders can earn discounts including renters, defensive driver, anti-lock brakes, Pac-12 alumni, and multi-car.
- Nationwide offers premium reductions for easy pay, family plan, defensive driving, good student, business or organization, and Farm Bureau membership.
If you want cheaper Phoenix auto insurance quotes, ask all the companies to apply every possible discount. Discounts might not be available to policyholders in Phoenix. To view providers who offer online Nissan Versa insurance quotes in Arizona, click here.
Local agents and auto insurance
A lot of people just prefer to get professional advice from a licensed agent and often times that is recommended One of the great benefits of getting free rate quotes online is the fact that you can find better rates and also buy local.
To help locate an agent, after submitting this quick form, the coverage information is transmitted to insurance agents in Phoenix that provide free Phoenix auto insurance quotes for your auto insurance coverage. There is no need to do any legwork due to the fact that quote results will go straight to your inbox. You can most likely find cheaper rates and work with a local agent. If you need to get a rate quote from a specific company, feel free to jump over to their website and complete a quote there.
Selecting an provider should include more criteria than just the quoted price. Get answers to these questions too.
- Do they offer accident forgiveness?
- Are there any discounts that you might be missing?
- Which insurance companies are they affiliated with?
- Does the quote include credit and driving reports?
- Does the company have a local claim office in Phoenix?
- Does the agent have a valid license to sell insurance in Arizona?
If you want to buy auto insurance from a reliable agent, you must know there are a couple types of insurance agents and how they operate. Insurance agencies in Phoenix can be described as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Exclusive agencies can only provide one company’s prices and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive agents are trained well on their company’s products which helps overcome the inability to quote other rates. Drivers often choose to use a exclusive agent mostly because of the brand name and the convenience of having a single billing for all their coverages.
The following is a list of exclusive insurance agents in Phoenix who can help you get price quotes.
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map - Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map - Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map
Independent Agents
These type of agents are not employed by any specific company so they have the ability to put coverage with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move your policy to a different company which is easy for the insured. If you are comparing rate quotes, we recommend you include several independent insurance agents in order to have the best price comparison. A lot of them also have access to mutual insurance companies who may have lower rates.
Below are Phoenix independent agencies that are able to give rate quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map - Horizon Insurance Group
2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
Upon getting good responses for all questions you ask and an acceptable price quote, most likely you have located an insurance agent that can properly insure your vehicles. It’s important to know that you can terminate coverage whenever you choose to so don’t feel that you are obligated to any specific company for the full term.
Truth in car insurance advertising
Companies like GEICO, State Farm and Progressive endlessly run ads on television and other media. All the ads make an identical promise that drivers will save a bundle if you switch your car insurance coverage to their company. How does every car insurance company sell you cheaper insurance coverage? Here is the trick they use.
Insurance providers quote their best rates for the right customer that will be a good risk. A good example of this type of risk profile might be described as between the ages of 30 and 50, has a low-risk occupation, and chooses high deductibles. Any person who fits those characteristics is entitled to the best price and will also save when switching.
Drivers who are not a match for these criteria will probably be forced to pay more expensive rates which usually ends up with business not being written. Company advertisements say “customers who switch” but not “all drivers who get quotes” save money. This is how companies can truthfully make it sound like they have such great rates. Because of this risk profiling, it is so important to compare price quotes frequently. It’s just not possible to know the company that will fit you best based on your risk profile.
Do I need special coverages?
When choosing insurance from an agent or online for your vehicles, there really is no one-size-fits-all type of policy. Everyone’s needs are different and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.
- Do I pay less if my vehicle is kept in my garage?
- How does medical payments coverage work?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I get a pro-rated refund if I cancel my policy early?
- Is my nanny covered when driving my vehicle?
- Am I covered if I crash into my own garage door?
- Who is covered when they drive my Nissan Versa?
- How much liability coverage do I need in Arizona?
- Is my business laptop covered if it gets stolen from my vehicle?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Car insurance specifics
Having a good grasp of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most car insurance policies.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as a broken windshield, hitting a deer and vandalism. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Auto liability insurance – Liability coverage can cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 15/30/10 which means $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against things such as attorney fees, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing better liability coverage.
Collision – This covers damage to your Versa from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against claims like scraping a guard rail, hitting a mailbox, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Versa to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Versa.
Since a lot of drivers only purchase the least amount of liability that is required (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, nursing services and surgery. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Cheap car insurance rates are possible
Budget-friendly car insurance in Phoenix is possible from both online companies as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide the ability to get quotes online and usually these small insurance companies sell through independent insurance agents.
We covered quite a bit of information on how to shop for Nissan Versa insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the most savings is with a company that doesn’t do a lot of advertising. Regional companies often have lower auto insurance rates on specific markets than the large multi-state companies such as Progressive or GEICO.
Additional car insurance information is located at the links below
- Auto Insurance 101 (About.com)
- Who Has the Cheapest Car Insurance Rates for a Subaru Outback in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Drivers in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for Young Drivers in Phoenix? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Cellphones, Texting and Driving (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Institute)