Finding affordable car insurance for a Nissan Versa in California is normally pretty easy, but it relies on many rating criteria such as how long your commute is, your residence address, and driving violations. Drivers pay around $1,685 per year for Versa insurance, but that figure is an estimation calculated based on a 40-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
Odds are that you may not be 40 years old (or even female), maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Just a very minor change in rating criteria can make a large difference in the price of a policy.
Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap insurance rates for your Nissan is to do a thorough rate comparison.
The specific model of Versa can impact the yearly cost, so the price you pay to insure a Versa 1.6 SEDAN trim level will be $508 less than the price to insure the more costly Versa 1.8 SL SEDAN trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$272||$638||$574||$34||$172||$1,690||$141|
|Versa 1.8 S Hatchback||$318||$914||$574||$34||$172||$2,012||$168|
|Versa 1.8 S SEDAN||$318||$914||$574||$34||$172||$2,012||$168|
|Versa 1.8 SL Hatchback||$366||$1052||$574||$34||$172||$2,198||$183|
|Versa 1.8 SL SEDAN||$366||$1052||$574||$34||$172||$2,198||$183|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific location which can modify auto insurance rates substantially.
Finding reliable, budget auto insurance is not most people’s favorite thing to do, and deciding which companies have the cheapest auto insurance rates for a Nissan Versa calls for more quotes for comparison. Each auto insurance company has their own unique process for setting prices, so let’s take a look at the overall cheapest auto insurance companies in Fresno, CA.
Cheapest Insurance Rates for Your Versa
|Rank||Company||Cost Per Year|
|Quote Your Rates Go|
USAA offers some of the most affordable car insurance rates in Fresno at around $1,109 a year. This is $542 less than the average rate paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also rank well as some of the most economical Fresno, CA auto insurance companies.
In the above rates, if you are insured with Century National and switched to USAA, you could realize a yearly savings of in the vicinity of $117. Policyholders with Nationwide could save as much as $154 a year, and 21st Century customers might cut rates by $229 a year.
Bear in mind that those premiums are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for a Nissan Versa. So the insurer that is most affordable for your situation may not even be in the list above. That is why you need to quote rates from many companies using your own driver information and specific vehicle type.
Types of discounts on Fresno insurance rates
Car insurance companies that offer coverage for a Nissan Versa could also offer special discounts that can reduce rates by as much as 35% if you qualify for them. Companies and some of the discounts are outlined below.
- Progressive has discounts for online quote discount, online signing, homeowner, multi-policy, multi-vehicle, and good student.
- AAA includes discounts for education and occupation, multi-policy, anti-theft, pay-in-full, multi-car, good student, and good driver.
- Farmers Insurance may include discounts for switch companies, pay in full, multi-car, youthful driver, bundle discounts, early shopping, and good student.
- GEICO discounts include defensive driver, anti-theft, seat belt use, federal employee, emergency military deployment, membership and employees, and five-year accident-free.
- Esurance offers premium reductions for claim free, homeowner, online shopper, Switch & Save, renters, and online quote.
- SAFECO may offer discounts for anti-theft, safe driver, homeowner, accident prevention training, multi-car, bundle discounts, and teen safe driver.
- State Farm offers discounts including safe vehicle, passive restraint, Drive Safe & Save, driver’s education, anti-theft, and multiple autos.
The diagram below shows the difference between premium costs with and without discounts. Data assumes a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, vehicle safety, safe-driver, multiple vehicle, accident-free, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for a Nissan Versa is 28% or $640.
What aren’t you shopping around?
Fresno auto insurance rates are impacted by many factors that may substantially change the policy price. Simply having a birthday, buying a different home, or getting a speeding ticket can trigger rate changes that can make some companies much cheaper than others.
In addition to those changes, insurance companies file new California car insurance rates multiple times each year in order to offset underwriting gains or losses. An unexpected high level of claims can result in rate hikes, while profitable underwriting can result in more affordable Versa insurance rates.
As an example, the chart below shows rates for the cheapest car insurance in Fresno, CA for a 30-year-old female driver with a good driving record, no prior claims, and great credit. When comparing rates based on her current situation, USAA might quote the most affordable car insurance rates in Fresno at $1,310 a year. This is $341 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the best Fresno, CA auto insurance companies.
Now we will give the driver from the first set of rates a chargeable claim, poor credit, and a traffic citation. Since each company has their own guidelines for filing rates in each state, comparing quotes could now result in a slightly different list of the cheapest car insurance companies in Fresno as shown below.
Grange now has the cheapest price in Fresno with Allstate, Mercury, Progressive, and GEICO also being competitive. This example illustrates why it is critical to compare lots of rates to get the most budget-friendly car insurance rates for a Nissan Versa.
Auto insurance prices are made up of many different factors and can change without notice, so the best company two years ago may now be quite expensive.
The insurance agencies below can help you make a decision which coverages you need, since some drivers wish to have some advice when comparing insurance rates for a Nissan Versa. It can be complicated to find the cheapest auto insurance company, so getting advice from a licensed agent can give you comfort knowing you have enough coverage when you need it. To find a Fresno insurance agency in your neighborhood, click the link after the list.
- Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861
- Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655
- Farmers Insurance
7161 N Millbrook Ave # 103 – Fresno, CA 93720 – (559) 447-9838
- Progressive Insurance
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500
Tips for buying low-cost auto insurance for a Nissan Versa
Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help you find more affordable coverage.
- Increase your physical damage deductibles
- Buy vehicles with five-star safety ratings
- Avoid at-fault accidents and claims
- Be a cautious driver
- Remove physical damage coverage on older vehicles
- Drivers with good credit often pay less
- Compare rate quotes often
That last idea is particularly necessary, as was stressed in this write-up. Coverage rates change constantly, so don’t be unwilling to switch companies if a more affordable price is available.
Brand loyalty is not necessarily bad, but is isn’t recommended if that stubbornness costs you a fortune every year. If you have a few minutes, compare prices and find cheaper car insurance for a Nissan Versa in Fresno.