Buying competitive insurance for a Nissan Versa in Texas depends on many different factors such as whether the vehicle is new, whether you are claim-free, and your choice of physical damage deductibles. Drivers in Texas pay around $1,248 a year for Versa insurance, but that figure is a projection calculated using a 30-year-old married female driver with full coverage and $100 deductibles.
There’s a good chance you aren’t exactly 30 years old or even a female, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Everyone has unique insurance needs, and this illustrates why the best method for finding the most affordable coverage for your Nissan is to compare as many rates as possible.
The trim level of your Nissan will most likely have an effect on price, so the rate you will pay to insure a Versa 1.6 SEDAN trim level will be $394 cheaper than the price to insure the higher-end Versa 1.8 SL SEDAN version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$236||$476||$388||$24||$116||$1,240||$103|
|Versa 1.8 S Hatchback||$278||$684||$388||$24||$116||$1,490||$124|
|Versa 1.8 S SEDAN||$278||$684||$388||$24||$116||$1,490||$124|
|Versa 1.8 SL Hatchback||$318||$788||$388||$24||$116||$1,634||$136|
|Versa 1.8 SL SEDAN||$318||$788||$388||$24||$116||$1,634||$136|
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific location which can influence coverage prices noticeably.
Finding good, low-cost insurance is not always easy, and figuring out which companies quote the lowest-priced auto insurance rates for a Nissan Versa requires even more shopping around. Every car insurance company has a proprietary method to set their prices, so we need to take a look at the most affordable auto insurance companies in Fort Worth.
Best Cheap Insurance Rates for Your Versa
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers has some of the best car insurance rates in Fort Worth at around $1,021 a year. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the most economical Fort Worth, TX insurance companies.
In this example, if you currently have a policy with Germania Mutual and switched to USAA, you could earn an annual premium reduction of about $172. Customers with Esurance may save as much as $295 a year, and California Casualty customers might reduce rates by $340 a year.
Bear in mind that those rates are averages for all insureds and vehicles and are not factoring in a specific zip code for a Nissan Versa. So the company that is most affordable for your situation may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get rate quotes using your own specific driver information and vehicle.
The illustration below shows how choosing a deductible can change annual premium costs when trying to find cheap insurance for a Nissan Versa. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could cut expenses by $474 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $708 by using a $1,000 deductible. Youthful drivers, like the 20-year-old category, could potentially save as much as $1,592 or more by choosing a higher deductible.
If you do raise deductibles, it is a good idea to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
You are probably paying too much for Versa insurance
Fort Worth, TX auto insurance rates are influenced by many factors that will increase or decrease the price of coverage. Improving your credit score, increasing deductibles, or having an accident may prompt premium changes that can make some companies more affordable than before.
Not only that, but car insurance companies change premium rates every year to ensure their profitability. An unexpected high level of claims can cause additional price hikes, while profitable underwriting can produce cheaper Versa insurance rates.
To illustrate this point, the graph below shows rates for the cheapest car insurance in Fort Worth, TX for a 30-year-old female driver with no prior claims, no tickets, and a decent credit rating. If we compare prices based on her current rating profile, Travelers has the cheapest car insurance rates in Fort Worth at $1,122 a year. This is $782 less than the average policy premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also on the list of the most affordable Fort Worth, TX auto insurance companies.
Now let’s give the driver from the first rate comparison an at-fault accident, a lower credit score, and a traffic citation. Since each auto insurer has a different process for setting prices, getting updated rate quotes may now present a different set of the cheapest car insurance companies in Fort Worth as shown below.
State Farm now has the lowest car insurance rate in Fort Worth with Mercury, Safe Auto, Nationwide, and USAA also being competitive. This example illustrates why Texas drivers need to compare rates to find the cheapest insurance rates for a Nissan Versa.
Rates are determined by many factors and can decrease or increase without notice, so the cheapest rate when you last compared rates may now be an over-priced policy.
If you would rather get some professional advice when shopping around for cheaper insurance for a Versa, the agents shown below can aid you in deciding which auto insurance policy would work best for you.
To locate a Fort Worth insurance agent closest to you, click the button after the list or click here to compare price quotes now.
Nationwide Insurance: Darla Duncan Insurance Agency
5801 Curzon Ave #137 – Fort Worth, TX 76107 – (817) 731-0991
Nationwide Insurance – Curtis Logan Agency
4500 Mercantile Plaza Dr #300 – Fort Worth, TX 76137 – (214) 302-7148
Vince Adams – State Farm Insurance Agent
5932 River Oaks Blvd – Fort Worth, TX 76114 – (817) 377-3401
Peter Polinsky Insurance Agency
8751 Camp Bowie W Blvd #124 – Fort Worth, TX 76116 – (817) 560-9400
Tips to find low-cost car insurance for a Nissan Versa
Below you’ll find some thrifty solutions that can help Texas drivers get lower-cost auto insurance.
- Avoid getting tickets or violations
- Do not get into accidents that are your fault
- If your vehicles are older, consider dropping full coverage
- Drivers with good credit often pay less
- Safe vehicles generally have lower rates
- Raise your physical damage coverage deductibles
- Compare rates regularly and switch companies to save money
That final tip is particularly important, as was discussed in this article. Insurance prices in Fort Worth can change in a short period of time, so don’t be unwilling to switch companies if a cheaper price is available. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that devotion results in you overpaying potentially thousands of dollars a year. In just a few minutes you could compare prices to find cheaper car insurance for a Nissan Versa.