Are you looking for more affordable Nissan Versa insurance in Colorado Springs? Finding budget-priced Colorado Springs Nissan Versa insurance quotes might seem problematic for beginners to price shopping on the internet. With such a large number of agents and insurers to choose from, how are drivers able to have time to compare every possible option in order to find better prices?
Steps to finding better rates for Nissan Versa insurance in Colorado Springs
The recommended way to find affordable Nissan Versa insurance is to compare prices regularly from different companies in Colorado Springs. Drivers can shop around by following these guidelines.
Step 1: Learn about how car insurance works and the things you can change to prevent expensive coverage. Many things that drive up the price such as traffic citations and an unacceptable credit rating can be rectified by making minor driving habit or lifestyle changes. Read the full article for instructions to help keep rates affordable and get additional discounts that may be available.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from many different companies.
Step 3: Compare the new rates to your existing rates to see if a cheaper rate is available in Colorado Springs. If you find a lower rate, verify that coverage does not lapse between policies.
An essential thing to point out is to compare the same amount of coverage on every quote and and to get quotes from as many auto insurance providers as possible. This ensures an apples-to-apples comparison and the best price selection.
We don’t have to point out that fact that car insurance companies don’t want you to look for a cheaper policy. People who get price comparisons will most likely switch to a new company because there is a high probability of finding a more affordable policy premium. A recent survey discovered that drivers who compared rates once a year saved approximately $850 each year compared to people who didn’t regularly shop around.
If finding the cheapest rates on auto insurance is your target objective, then having some insight into how to compare cheaper coverage can help simplify the task of finding more affordable coverage.
Discounts for cheap insurance quotes
Companies don’t always list every possible discount very clearly, so we break down a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.
- Good Student Discount – Being a good student can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
- Defensive Driving Course – Taking part in a defensive driving class could save 5% or more if your company offers it.
- Savings for New Vehicles – Buying a new car model can cost up to 25% less due to better safety requirements for newer models.
- Club Memberships – Being in a civic or occupational organization in Colorado Springs is a good way to get lower rates when shopping for insurance.
- Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less compared to accident prone drivers.
A quick disclaimer, most discount credits are not given to the whole policy. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The information below shows the comparison of Nissan Versa annual premium costs with and without discounts applied to the rates. The rates are based on a male driver, no accidents, no driving violations, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, marriage, and multi-car discounts applied.
If you would like to choose from a list of insurers with significant discounts in Colorado, follow this link.
To find the best insurance rates, there are several ways to compare rate quotes from many available insurance companies in Colorado. By far the easiest way to find competitive Nissan Versa insurance rates involves getting comparison quotes online.
When price shopping your coverage, comparing a large number of companies helps improve the odds of finding more affordable rates.
The companies shown below provide quotes in Colorado. In order to find cheap auto insurance in Colorado Springs, CO, we suggest you visit as many as you can to get the most competitive price.
Coverage information
The premium table shown next highlights estimates of insurance costs for Nissan Versa models. Learning a little about how insurance prices are calculated is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $164 | $304 | $352 | $20 | $106 | $946 | $79 |
| Versa 1.8 S Hatchback | $192 | $434 | $352 | $20 | $106 | $1,104 | $92 |
| Versa 1.8 S SEDAN | $192 | $434 | $352 | $20 | $106 | $1,104 | $92 |
| Versa 1.8 SL Hatchback | $220 | $500 | $352 | $20 | $106 | $1,198 | $100 |
| Versa 1.8 SL SEDAN | $220 | $500 | $352 | $20 | $106 | $1,198 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in your specific Colorado Springs location which can affect price quotes greatly.
Policy deductible comparison
A question often asked by Colorado Springs drivers is where should you set your physical damage deductibles. The comparison tables below help summarize the rate differences when you choose different coverage deductibles. The first pricing table uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $202 | $376 | $352 | $20 | $106 | $1,081 | $90 |
| Versa 1.8 S Hatchback | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Versa 1.8 S SEDAN | $236 | $538 | $352 | $20 | $106 | $1,277 | $106 |
| Versa 1.8 SL Hatchback | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Versa 1.8 SL SEDAN | $272 | $620 | $352 | $20 | $106 | $1,395 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $124 | $236 | $352 | $20 | $106 | $838 | $70 |
| Versa 1.8 S Hatchback | $146 | $340 | $352 | $20 | $106 | $964 | $80 |
| Versa 1.8 S SEDAN | $146 | $340 | $352 | $20 | $106 | $964 | $80 |
| Versa 1.8 SL Hatchback | $168 | $390 | $352 | $20 | $106 | $1,036 | $86 |
| Versa 1.8 SL SEDAN | $168 | $390 | $352 | $20 | $106 | $1,036 | $86 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in vehicle garaging location which can affect coverage rates greatly.
We can derive from the above data that using a $250 deductible costs approximately $27 more each month or $324 a year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 28 months between claim filings, you would save money if you choose a higher deductible.
The information below demonstrates how deductibles and can affect Nissan Versa premium costs for different age groups. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
Premiums by gender and age
The chart below illustrates the difference between Nissan Versa insurance prices for male and female drivers. The premium estimates are based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
Does full coverage make sense?
The illustration below illustrates the comparison of Nissan Versa premium costs with full physical damage coverage compared to only buying liability only. The data is based on no claims or driving citations, $100 deductibles, drivers are single, and no policy discounts are applied.
Deciding between full coverage and liability only
There is no set rule of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s assume your Nissan Versa replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 annually to have full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where only buying liability is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not buy liability only.
Which is the best insurance?
When choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. You are unique.
These are some specific questions may help you determine whether or not you would benefit from professional advice.
- Is other people’s property covered if stolen from my vehicle?
- How much will a speeding ticket raise my rates?
- Is there a penalty for late payment?
- Should I bundle my homeowners policy with my auto?
- Why am I required to buy liability insurance?
- I have good health insurance, so how much medical payments coverage do I need?
- Should I get collision insurance on every vehicle?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Insurance agencies are trained to help
Certain consumers would prefer to sit down and talk to an agent and that is a personal choice. An additional benefit of getting free rate quotes online is that you can obtain cheap auto insurance quotes but still work with a licensed agent.
For easy comparison, once you complete this quick form, your coverage information is immediately sent to local insurance agents in Colorado Springs that give free quotes for your auto insurance coverage. You won’t even need to drive around since rate quotes are delivered straight to your inbox. You can find better rates and an insurance agent to talk to. If you have a need to compare prices from one company in particular, feel free to search and find their rate quote page and give them your coverage information.
Choosing the best insurer should depend on more than just the premium amount. You should also get answers to these questions.
- Can they give you a list of client referrals?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How long has their agency been open in Colorado Springs?
- Does the company allow you to choose your own collision repair facility?
- Is coverage determined by price?
If you want to buy auto insurance from an insurance agent, you must know there are a couple types of agencies and how they can quote your rates. Auto insurance agents are considered either exclusive or independent agents depending on their company appointments.
Exclusive Auto Insurance Agents
Exclusive insurance agents work for only one company and some examples include American Family, State Farm, and AAA. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are trained well on what they offer which can be an advantage. Drivers often buy from the same agent for years mostly because of the brand and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive agents in Colorado Springs who may provide you with price quotes.
- Kelly Muse – State Farm Insurance Agent
1635 W Uintah St D – Colorado Springs, CO 80904 – (719) 329-1818 – View Map - Lee Ann Moore – State Farm Insurance Agent
3649 Star Ranch Rd – Colorado Springs, CO 80906 – (719) 540-9520 – View Map - American Family Insurance – Steve Stiltner
4549 Austin Bluffs Pkwy – Colorado Springs, CO 80918 – (719) 596-8812 – View Map
Independent Auto Insurance Agents
Independent insurance agents are normally appointed by many insurers so they can insure your vehicles with any number of different companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and you can keep the same agent.
When searching for an agent, we recommend you get quotes from multiple independent agents in order to compare the most rates. Most can insure with companies you’ve never heard of which can save you money.
Shown below is a short list of independent insurance agents in Colorado Springs who can help you get price quote information.
- Solid Rock Insurance Agency
2850 Serendipity Cir W #230 – Colorado Springs, CO 80917 – (719) 574-0082 – View Map - Nationwide Insurance: Jeffrey Lloyd Sudermann Agency
6455 N Union Blvd #104 – Colorado Springs, CO 80918 – (303) 974-7676 – View Map - Insurance Network of Co
2525 W Pikes Peak Ave # C – Colorado Springs, CO 80904 – (719) 635-9720 – View Map
Auto insurance company ratings
Selecting a good quality car insurance provider can be rather challenging considering how many companies provide coverage in Colorado Springs. The company rank data below can help you analyze which auto insurers you want to consider shopping your coverage with.
Top 10 Colorado Springs Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Colorado Springs Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Don’t give up on cheaper rates
People who switch companies do it for a variety of reasons including unfair underwriting practices, extreme rates for teen drivers, high rates after DUI convictions or even high prices. It doesn’t matter why you want to switch finding a new insurance company can be easy and end up saving you some money.
Discount Nissan Versa insurance in Colorado Springs is definitely available from both online companies as well as from insurance agents, so get free Colorado Springs car insurance quotes from both of them in order to have the best price selection to choose from. A few companies don’t offer internet price quotes and usually these small insurance companies prefer to sell through independent agents.
We just presented some good ideas how you can shop for Nissan Versa insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest rates are with the smaller companies.
Steps to finding lower priced Nissan Versa insurance in Colorado Springs
If your goal is the lowest price, then the best way to find better pricing on auto insurance rates in Colorado Springs is to compare prices regularly from insurers in Colorado. Rates can be compared by following these steps.
- First, try to comprehend the different coverages in a policy and the modifications you can make to keep rates in check. Many factors that drive up the price such as at-fault accidents, careless driving, and a not-so-good credit history can be remedied by improving your driving habits or financial responsibility.
- Second, compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide prices from multiple companies.
- Third, compare the new rates to your current policy to determine if switching companies saves money. If you can save some money and buy the policy, make sure there is no lapse in coverage.
- Fourth, provide notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a completed application to your new agent or company. Make sure you keep the new certificate of insurance in an easily accessible location in your vehicle.
The most important part of shopping around is to compare the same physical damage deductibles and liability limits on every price quote and and to get price estimates from all possible companies. Doing this guarantees a fair rate comparison and the best price selection.
Other learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much is Auto Insurance for Low Credit Scores in Colorado Springs? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in Colorado Springs? (FAQ)
- What Car Insurance is Cheapest for College Students in Colorado Springs? (FAQ)
- Who Has the Cheapest Colorado Springs Car Insurance Rates for Uninsured Drivers? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Avoiding Deer Collisions (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)