Are you drained from being strong-armed to insure your Nissan every month? You are in the same boat as millions of other vehicle owners. You have so many auto insurance companies to choose from, and although it’s nice to have multiple companies, more choices can make it harder to adequately compare rates.
The quickest method we recommend to compare car insurance rates is to know the fact car insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is take a few minutes to give details such as coverage limits, if your license is active, the year, make and model of vehicles, and types of safety features. Your details is automatically sent to many different companies and you should receive rate quotes quickly.
If you would like to compare rates now, click here and see if a lower rate is available.
These discounts can lower your car insurance rates
Some insurance providers don’t list every discount they offer very clearly, so here is a list both well-publicized as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount you deserve, you could be getting lower rates.
- Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% on Versa coverage depending on your car insurance provider.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Professional Memberships – Joining certain professional organizations could trigger savings on your next car insurance statement.
- Safety Restraint Discount – Drivers who require all occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a driver\s education course as it can save substantially.
- Driver Training Discounts – Completing a course teaching safe driver skills could possibly earn you a 5% discount if you qualify.
A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.
A few popular companies and a selection of discounts can be read below.
- Esurance offers premium reductions for multi-policy, good driver, homeowner, anti-lock brakes, good student, safety device, and Pac-12 alumni.
- The Hartford has savings for defensive driver, vehicle fuel type, anti-theft, air bag, driver training, bundle, and good student.
- AAA may have discounts that include multi-policy, good student, anti-theft, good driver, and education and occupation.
- GEICO offers discounts for seat belt use, driver training, daytime running lights, anti-theft, multi-policy, and five-year accident-free.
- State Farm policyholders can earn discounts including driver’s education, safe vehicle, good driver, defensive driving training, and anti-theft.
When quoting, ask all the companies how many discounts you can get. Savings might not be available to policyholders in every state. To locate insurance companies with significant discounts in Texas, click here.
When do I need an agent’s advice?
When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- Does liability extend to a camper or trailer?
- Who is covered when they drive my Nissan Versa?
- Do I need medical payments coverage since I have good health insurance?
- Is rental equipment covered for theft or damage?
- Is business property covered if stolen from my car?
- Is a new car covered when I drive it off the dealer lot?
- Do I need roadside assistance coverage?
- Does my policy pay for OEM or aftermarket parts?
- Do I qualify for additional discounts?
- Is my cargo covered for damage or theft?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Additional information is located on the found here. Texas drivers can read state legal mandates and laws, report car insurance fraud, read industry bulletins, and view a list of available companies.
The following articles may also be useful.