Insurance rates Nissan Versa in Fort WayneAre you tired of being strong-armed to insure your Nissan every month? You have the same problem as millions of other vehicle owners.

Shockingly, almost 70% of insureds have remained with the same car insurance company for over three years, and nearly half have never compared quotes from other companies. With the average car insurance premium being $1,390, Fort Wayne drivers could save themselves $697 a year by just comparing rate quotes, but they don't know the large savings they would see if they swap their current policy for a cheaper one. Vehicle owners have so many insurers to insure vehicles with, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

You should take the time to do rate comparisons quite often due to the fact that insurance prices trend upward over time. If you had the lowest rates on Nissan Versa insurance in Fort Wayne a year ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Informed Drivers Know How to Find Insurance More Affordably

Part of the insurance buying process is learning some of the things that come into play when calculating the rates you pay for insurance. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.

The items below are a partial list of the pieces used by your company to calculate rates.

All the larger insurance companies like Allstate and Progressive give insurance quotes on the web. Doing online quotes for Nissan Versa insurance in Fort Wayne can be done by anyone as you simply type in the coverage amounts you desire on the page. Once you submit the form, their system requests your driving and credit reports and quotes a price based on these factors. Using the web to get rates for Nissan Versa insurance in Fort Wayne makes comparing rates easy, and it is imperative to have as many quotes as possible if you want to find the lowest payment.

To compare rates using this form now, compare rates from the companies below. If you currently have coverage, we recommend you type in the coverages just like they are on your policy. This guarantees you will get a price comparison using the same coverage and limits.

The following companies are ready to provide quotes in Fort Wayne, IN. If multiple companies are shown, we suggest you compare several of them to find the lowest car insurance rates.

Nissan Versa Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $86 $194 $318 $18 $94 $710 $59
Versa 1.8 S Hatchback $170 $428 $380 $22 $114 $1,114 $93
Versa 1.8 S SEDAN $216 $430 $368 $22 $110 $1,146 $96
Versa 1.8 SL Hatchback $116 $306 $294 $18 $88 $822 $69
Versa 1.8 SL SEDAN $122 $286 $290 $18 $86 $802 $67
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in garaging location in Fort Wayne which can influence premium rates noticeably.

Nissan Versa insurance premiums by gender and age

The diagram below shows the comparison of Nissan Versa insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

Safe drivers pay cheaper rates

The chart below shows how traffic citations and at-fault collisions influence Nissan Versa insurance costs for different ages of insureds. The data is based on a married male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Full coverage rates compared to liability-only

The diagram below shows the difference between Nissan Versa insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on a clean driving record, no claims, $250 deductibles, married male driver, and no discounts are applied.

Are you wasting money paying for full coverage?

There is no clear-cut formula for eliminating physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's assume your Nissan Versa book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 a year for full coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Protect more than your Nissan Versa

Even though it's not necessarily cheap to insure a Nissan in Fort Wayne, paying for insurance may be mandatory for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. But the average American driver is wasting up to $700 annually so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Slash your auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but there may be some discounts that could help you make your next renewal payment. Some trigger automatically at the time of purchase, but a few need to be manually applied before they will apply.Discount auto insurance

Don't be shocked that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you aren't that lucky. Any qualifying discounts will cut your policy premium.

A partial list of companies that may offer policyholders most of the discounts above include:

Before you buy a policy, ask every insurance company which credits you are entitled to. Depending on the company, some discounts may not be offered in your area. To see a list of companies with the best Nissan Versa insurance discounts in Fort Wayne, click this link.

Local Fort Wayne auto insurance agents

Many people just want to visit with an insurance agent and that is recommended in a lot of cases Good agents can make sure you are properly covered and will help you if you have claims. One of the best bonuses of comparing insurance online is you may find cheap insurance quotes but also keep your business local.

To help locate an agent, after submitting this quick form, your information is transmitted to participating agents in Fort Wayne that provide free Fort Wayne auto insurance quotes to get your business. You won't need to find an agent on your own since rate quotes are delivered to you. If for some reason you want to compare prices from a specific insurance company, you can always search and find their rate quote page and fill out their quote form.

Deciding on an company is decision based upon more than just the price. Here are some questions to ask:

If you want an insurance agent, it helps to know the two types of agencies and how they are slightly different. Insurance policy providers are categorized either exclusive or independent agents depending on their company appointments. Both types can sell and service insurance coverage, but it's worth mentioning how they are different since it can affect buying decisions.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide one company's prices and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to give you multiple price quotes so it's a take it or leave it situation. Exclusive agents are highly trained on their company's products and that can be a competitive advantage.

Listed below are Fort Wayne exclusive agents that can give you price quote information.

8938 Lima Rd Suite R - Fort Wayne, IN 46818 - (260) 489-3977 - View Map

7529 W Jefferson Blvd - Fort Wayne, IN 46804 - (260) 434-1952 - View Map

3017 E State Blvd - Fort Wayne, IN 46805 - (260) 483-6583 - View Map

More Fort Wayne agents

Independent Agencies or Brokers

Agents that elect to be independent do not work for one specific company so they can insure your vehicles with multiple insurance companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company and that require little work on your part. If you need cheaper insurance rates, you need to get insurance quotes from multiple independent agents to get the best comparison.

Below is a short list of independent agencies in Fort Wayne that are able to give rate quotes.

3213 E State Blvd - Fort Wayne, IN 46805 - (260) 216-0024 - View Map

2200 Lake Ave #120 - Fort Wayne, IN 46805 - (260) 422-5377 - View Map

7011 Stellhorn Rd - Fort Wayne, IN 46815 - (800) 701-5909 - View Map

More Fort Wayne agents

After getting acceptable answers to any questions you have as well as cheap Versa insurance quotes, it's possible that you found a car insurance agent that is a good match to properly service your insurance policy.

The best insurance company isn't always the cheapest

You just read a lot of ways to compare Nissan Versa insurance premium rates in Fort Wayne. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the best price on insurance is with an unexpected company. Regional companies often have lower prices on specific markets than their larger competitors like Progressive and GEICO.

Discount Nissan Versa insurance in Fort Wayne can be sourced on the web and also from your neighborhood Fort Wayne agents, so you should compare both to have the best rate selection. Some insurance companies don't offer internet price quotes and usually these small insurance companies only sell through independent agencies.

As you restructure your insurance plan, don't be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped collision coverage and learned later that it was a big error on their part. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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