Insurance quote for Nissan Versa in ColumbiaAre you trying to find more competitive Nissan Versa insurance in Columbia? Sick and tired of not being able to afford to pay auto insurance each month? You are no different than millions of other consumers.

Remarkably, a study showed that the vast majority of auto insurance customers in South Carolina kept buying from the same company for at least four years, and nearly half have never quoted rates to find cheap coverage. Many consumers in America could save nearly 47% a year just by getting comparison quotes, but they don't know the rate savings if they switch to a new company. Due to the large number of options for buying lower-cost insurance for a Nissan Versa in Columbia, it's nearly impossible to choose the most cost effective auto insurance company.

Consumers should take time to get comparison quotes every six months since rates change quite often. Just because you found the lowest rate on Nissan Versa insurance in Columbia last year there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're about to learn the things you must know in order to find great coverage at a great price.

Locating the best insurance company for you in Columbia is not that difficult as long as you know where to start. If you are already insured or need a new policy, you can use this information to lower your rates and still have adequate protection. Smart buyers just have to know the proper methods to compare company rates on the web.

Columbia car insurance discounts

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that can dramatically reduce your bill. Some discounts will apply at the time of quoting, but a few must be specially asked for in order for you to get them.Save money with discounts

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn't be very happy.

Large car insurance companies and some of the discounts are included below.

When getting free Columbia car insurance quotes, it's a good idea to each company or agent to give you their best rates. Some discounts listed above may not apply to policies in Columbia.

Quote Columbia Nissan Versa insurance online

Reducing your insurance rates can be relatively painless. You just need to spend a few minutes comparing price quotes to discover which company has the cheapest Nissan Versa rate quotes.

Comparison shopping price quotes online is easy and it replaces the need to drive to insurance agencies in your area. Comparing online rate quotes can eliminate the need for a local agent unless you want the trained guidance only provided by licensed agents. Drivers can price shop online but buy the policy through an agent.

The providers in the list below are ready to provide price comparisons in Columbia, SC. If multiple companies are listed, it's a good idea that you compare several of them in order to find the lowest rates.

Nissan Versa Insurance Costs in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $188 $412 $444 $26 $132 $1,202 $100
Versa 1.8 S Hatchback $198 $518 $320 $18 $96 $1,150 $96
Versa 1.8 S SEDAN $140 $378 $412 $24 $124 $1,078 $90
Versa 1.8 SL Hatchback $226 $590 $386 $22 $116 $1,340 $112
Versa 1.8 SL SEDAN $186 $380 $448 $26 $134 $1,174 $98
Get Your Own Custom Quote Go

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in specific location information which can increase or decrease insurance rates noticeably.

Physical damage deductibles

The chart below highlights how deductible choice and can affect Nissan Versa insurance costs for each age group. The price estimates are based on a single male driver, full coverage, and no other discounts are factored in.

Rate comparison for different deductibles

The hardest decision when buying coverage is what deductibles to buy. The comparison tables below illustrate the costs and benefits when you choose different deductibles. The first data set uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Nissan Versa insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $218 $436 $342 $20 $102 $1,143 $95
Versa 1.8 S Hatchback $256 $624 $342 $20 $102 $1,369 $114
Versa 1.8 S SEDAN $256 $624 $342 $20 $102 $1,369 $114
Versa 1.8 SL Hatchback $294 $720 $342 $20 $102 $1,503 $125
Versa 1.8 SL SEDAN $294 $720 $342 $20 $102 $1,503 $125
Get Your Own Custom Quote Go
Nissan Versa insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $120 $230 $342 $20 $102 $814 $68
Versa 1.8 S Hatchback $142 $330 $342 $20 $102 $936 $78
Versa 1.8 S SEDAN $142 $330 $342 $20 $102 $936 $78
Versa 1.8 SL Hatchback $162 $380 $342 $20 $102 $1,006 $84
Versa 1.8 SL SEDAN $162 $380 $342 $20 $102 $1,006 $84
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in zip code location which can alter price quotes significantly.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $37 more each month or $444 annually than opting for the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 24 months between claim filings, you would probably be better off if you elect the higher deductible. The table below illustrates an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

How do I know if I need professional advice?

Always remember that when buying the best car insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your car insurance should unique, too.Drive safe and save Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick 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.

What if I want to buy from local Columbia auto insurance agents?

Some people still prefer to buy from a licensed agent and that is just fine! Insurance agents will help you protect your assets and will help you if you have claims. The biggest benefit of comparing insurance prices online is that drivers can save money and get cheap rate quotes and still have a local agent.

Find insurance agent in ColumbiaTo help locate an agent, after submitting this short form, your insurance coverage information is transmitted to local insurance agents in Columbia who can give free rate quotes for your business. You don't have to search for any insurance agencies because quoted prices will be sent instantly to you. If you wish to compare rates from a specific company, don't hesitate to jump over to their website and fill out the quote form the provide.

Choosing a insurer needs to be determined by more than just a cheap quote. The questions below may impact your decision as well.

If you are wanting to find a local Columbia insurance agency, it helps to know the two types of agencies that you can select. Insurance agencies in Columbia are classified as either exclusive or independent. Both can write insurance policies, but it's important to point out the differences since it can affect your selection of an agent.

Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive agencies are trained well on the products they sell which aids in selling service over price.

Shown below are exclusive insurance agencies in Columbia who can help you get price quotes.

1821 Clemson Rd #1 - Columbia, SC 29229 - (803) 865-7800 - View Map

4711 Forest Dr #4 - Columbia, SC 29206 - (803) 738-9418 - View Map

6911 N Trenholm Rd #3 - Columbia, SC 29206 - (803) 782-5445 - View Map

View more Columbia agents

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by one company and that allows them to write policies with an assortment of companies and find you cheaper rates. If premiums increase, the business is moved internally and you can keep the same agent.

If you need lower rates, you will want to get several quotes from at least one independent agent to have the best price comparison.

Below is a short list of independent agents in Columbia who can help you get price quotes.

1345 Lake Murray Blvd - Irmo, SC 29063 - (803) 781-4700 - View Map

1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map

6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map

View more Columbia agents

Once you have good answers to your questions as well as a price you're happy with, chances are good that you have found an insurance agency that meets the criteria to provide insurance coverage. But keep in mind you are able to cancel your policy whenever you choose to so don't think that you're stuck with a specific agent for the full policy term.

Cheap insurance premiums are possible

We just showed you a lot of information how to save on Nissan Versa insurance in Columbia. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable Columbia car insurance quotes. Consumers may even find the most savings is with the smaller companies. These companies often have lower prices on specific markets than the large multi-state companies such as GEICO and State Farm.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability coverage limits only to find out they didn't have enough coverage. Your strategy should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Lower-priced insurance in Columbia is definitely available both online and from local agencies, so you need to quote Columbia car insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent agents.

More articles