Nissan Versa Insurance Rates in Plano

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The preferred way to get cheaper Nissan Versa insurance is to compare prices annually from providers that sell auto insurance in Plano.

Step 1: Take a few minutes and learn about coverages and the things you can change to keep rates in check. Many rating factors that cause rate increases like at-fault accidents and a less-than-favorable credit history can be amended by paying attention to minor details.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while agents who are independent can quote prices from many different companies.

Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find a better price and make a switch, make sure there is no coverage gap between policies.

Step 4: Provide notification to your current company to cancel your current auto insurance policy and submit a signed application and payment for the new coverage. As soon as you can, store the certificate verifying coverage in an easily accessible location.

The most important part of shopping around is to make sure you're comparing similar limits and deductibles on every price quote and and to compare as many auto insurance providers as possible. Doing this provides a fair rate comparison and plenty of rates choose from.

Insurance rates Nissan Versa in PlanoSmart shoppers know that insurance companies want to prevent you from shopping around. Insureds who compare price quotes will presumably switch auto insurance companies because there are good odds of finding a more affordable policy premium. A recent survey discovered that drivers who compared rate quotes regularly saved as much as $72 a month compared to drivers who never compared rates.

If finding the lowest price on insurance in Plano is your goal, then having an understanding of how to quote prices and compare insurance can make shopping around easier.

Affordable Plano auto insurance quotes with discounts

Auto insurance can be pricey, but you may find discounts that you may not know about. A few discounts will be applied when you purchase, but a few must be asked about before being credited.Cheaper auto insurance with discounts

  • Drive Safe and Save - Insureds who avoid accidents may receive a discount up to 45% than drivers with accidents.
  • Discount for Low Mileage - Low mileage vehicles may allow you to get lower rates on the low mileage vehicles.
  • Mature Driver Discount - Seniors may qualify for a discount up to 10%.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Onboard Data Collection - Insureds that choose to allow driving data submission to spy on where and when they drive by installing a telematics device such as Allstate's Drivewise and State Farm's In-Drive system could possibly reduce rates if they have good driving habits.
  • Membership in Organizations - Being a member of qualifying clubs or civic groups is a simple method to lower premiums when getting a Plano car insurance quote.
  • No Claim Discounts - Plano drivers who stay claim-free have much lower rates in comparison to drivers who are more careless.
  • New Vehicle Savings - Buying a new car instead of a used Versa can be considerably cheaper due to better safety requirements for new model year vehicles.
  • Theft Deterrent System - Cars equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts may qualify for discounts as much as 30%.

Don't be surprised that most discounts do not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

The chart below compares Nissan Versa insurance costs with and without discounts applied to the rates. The rates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

A list of companies and a summarized list of policyholder discounts are detailed below.

  • State Farm offers discounts for multiple autos, safe vehicle, accident-free, anti-theft, multiple policy, and Drive Safe & Save.
  • GEICO policyholders can earn discounts including seat belt use, military active duty, five-year accident-free, federal employee, driver training, defensive driver, and multi-vehicle.
  • Allstate may have discounts that include 55 and retired, resident student, premier plus, anti-lock brakes, safe driver, and teenSMART discount.
  • SAFECO may offer discounts for teen safety rewards, teen safe driver, homeowner, accident prevention training, anti-theft, safe driver, and anti-lock brakes.
  • Farm Bureau offers discounts including multi-policy, 55 and retired, youthful driver, renewal discount, and good student.
  • Progressive includes discounts for multi-policy, online signing, continuous coverage, homeowner, online quote discount, and multi-vehicle.
  • AAA may include discounts for good driver, multi-policy, good student, pay-in-full, anti-theft, and multi-car.

When getting free Plano car insurance quotes, it's a good idea to each company or agent which discounts can lower your rates. Some discounts may not apply everywhere. To locate insurers that provide some of the discounts listed above in Texas, click here.

Buy Plano Nissan Versa insurance online

Most larger insurance companies such as Progressive, Allstate and GEICO provide insurance quotes on their websites. This process is quite simple because it's just a matter of typing in the coverage amounts you desire into a form. Behind the scenes, their rating system makes automated requests for information on your driving record and credit history and returns pricing information. Quoting online for Nissan Versa insurance in Plano makes it easy to compare insurance prices and it's necessary to have as many quotes as possible if you want to get the best rate possible.

To quickly find out how much you can save on car insurance, take a look at the companies shown below. If you have coverage now, it's recommended you input your coverages just like they are on your policy. This makes sure you will have rate quotes for the exact same coverage.

The companies shown below provide quotes in Texas. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Coverage statistics and figures

The premium information displayed next showcases a range of policy rates for Nissan Versa models. Learning a little about how insurance prices are calculated can be of help when making smart buying decisions.

Nissan Versa Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $244 $486 $382 $22 $114 $1,248 $104
Versa 1.8 S Hatchback $286 $698 $382 $22 $114 $1,502 $125
Versa 1.8 S SEDAN $286 $698 $382 $22 $114 $1,502 $125
Versa 1.8 SL Hatchback $328 $804 $382 $22 $114 $1,650 $138
Versa 1.8 SL SEDAN $328 $804 $382 $22 $114 $1,650 $138
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can lower or raise premium rates substantially.

Analysis of deductible levels

One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The data tables below illustrate how much more rates are between high and low comp and collision deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Nissan Versa insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $218 $408 $382 $22 $114 $1,169 $97
Versa 1.8 S Hatchback $256 $584 $382 $22 $114 $1,383 $115
Versa 1.8 S SEDAN $256 $584 $382 $22 $114 $1,383 $115
Versa 1.8 SL Hatchback $294 $672 $382 $22 $114 $1,509 $126
Versa 1.8 SL SEDAN $294 $672 $382 $22 $114 $1,509 $126
Get Your Own Custom Quote Go
Nissan Versa insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $178 $328 $382 $22 $114 $1,024 $85
Versa 1.8 S Hatchback $208 $472 $382 $22 $114 $1,198 $100
Versa 1.8 S SEDAN $208 $472 $382 $22 $114 $1,198 $100
Versa 1.8 SL Hatchback $240 $542 $382 $22 $114 $1,300 $108
Versa 1.8 SL SEDAN $240 $542 $382 $22 $114 $1,300 $108
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in specific location information which can affect premium rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $16 more each month or $192 each year averaged for all Versa models than requesting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 16 months between claim filings, you would most likely save money if you choose the higher deductible.

The diagram below illustrates how your choice of deductibles and can influence Nissan Versa insurance premiums for each age group. The rates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

Comparison of full coverage and liability-only policies

The example below compares Nissan Versa annual premium costs with liability coverage only compared to full coverage. The costs are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no exact rule to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's assume your Nissan Versa claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after paying the physical damage deductible. If premium cost is more than $700 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you can't afford to buy a different vehicle in case of an accident, you should not drop full coverage.

Compare rates but still have a local neighborhood Plano car insurance agent

Many people just want to buy from a licensed agent and doing so can bring peace of mind A good thing about getting free rate quotes online is the fact that drivers can get cheap auto insurance quotes and still have a local agent.

Insurance agents in PlanoTo find an agent, once you fill out this short form, the quote information is emailed to insurance agents in Plano who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to contact any agents due to the fact that quote results will go immediately to your email address. You can get cheaper auto insurance rates without requiring a lot of work. If you have a need to get a comparison quote from a specific company, feel free to visit that company's website and give them your coverage information.

Finding the right insurer needs to be determined by more than just the premium amount. These are some valid questions you should ask.

  • Is the agent CPCU or CIC certified?
  • If you have an accident, will your rates go up?
  • Are they primarily personal or commercial lines agents in Plano?
  • How many years have they been established?
  • What insurance company do they write the most business with?
  • Are there any extra charges for paying monthly?

Multiple types of car insurance agents in Plano

If you are searching for a reliable agent, it's helpful to know the types of agencies that you can select. Insurance agencies in Plano are either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Exclusive agencies can only provide one company's prices and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide other company's prices so they really need to provide good service. Exclusive insurance agents are well schooled on their products and sales techniques which helps offset the inability to provide other markets.

Below are exclusive insurance agencies in Plano willing to provide comparison quotes.


8000 Coit Rd #100 - Plano, TX 75025 - (972) 731-0350 - View Map


2415 Coit Rd d - Plano, TX 75075 - (972) 769-8800 - View Map


801 E Plano Pkwy #206 - Plano, TX 75074 - (972) 244-6560 - View Map

More Plano agents

Independent Agencies or Brokers

Agents that choose to be independent are not employed by one company so they can quote policies through many companies and find the cheapest auto insurance rates. If your agent finds better pricing, the business is moved internally and that require little work on your part. If you are comparing rate quotes, you definitely need to contact at a minimum one independent agency to have the most options to choose from.

Listed below are independent insurance agencies in Plano that are able to give rate quotes.


4040 McDermott Rd #200 - Plano, TX 75024 - (972) 668-1000 - View Map


1001 E 15th St #100 - Plano, TX 75074 - (469) 609-8156 - View Map


3415 Custer Rd #161 - Plano, TX 75023 - (972) 964-4825 - View Map

More Plano agents

Persistence will pay off

Some car insurance companies may not offer online rate quotes and most of the time these regional carriers work with independent agents. Cheaper car insurance in Plano can be found both online in addition to many Plano insurance agents, so you should compare both to have the best selection.

You just learned many ideas to get a better price on Nissan Versa insurance in Plano. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the most savings is with a small local company. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate or State Farm.

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