How many times have you said it’s time to compare the cheapest Nissan Versa insurance in Denver? Trying to find better insurance prices for a Nissan Versa in Colorado can turn out to be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are both good and bad ways to shop for insurance and you need to know the proper way to get price quotes for your Nissan and get the cheapest rates either online or from Denver insurance agents.
It’s important to compare premium rates occasionally since prices trend upward over time. Despite the fact that you may have had the best rates on Nissan Versa insurance in Denver a couple years back there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance because we’re going to show you one of the easiest ways to save money, get proper coverage and the best rates.
Car insurance providers offering competitive rates in Colorado
The companies shown below are our best choices to provide free quotes in Colorado. If multiple companies are shown, we suggest you compare several of them in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $194 | $440 | $396 | $24 | $118 | $1,172 | $98 |
| Versa 1.8 S Hatchback | $148 | $360 | $330 | $20 | $98 | $956 | $80 |
| Versa 1.8 S SEDAN | $258 | $740 | $426 | $26 | $128 | $1,578 | $132 |
| Versa 1.8 SL Hatchback | $264 | $608 | $358 | $22 | $108 | $1,360 | $113 |
| Versa 1.8 SL SEDAN | $234 | $608 | $368 | $22 | $110 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in zip code location which can modify prices noticeably.
Car insurance deductibles
When comparing car insurance rates, the most common question is how high should the physical damage deductibles be. The comparison tables below may help to conceptualize how much more rates are between low and high physical damage coverage deductibles. The first table uses a $250 physical damage deductible and the second set of rates uses a $500 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 | $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 | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in vehicle garaging location which can increase or decrease coverage rates greatly.
We can derive from the above data that using a $250 deductible will cost you roughly $14 more each month or $168 each year than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 18 months between claims, you would save money if you decide on a higher deductible.
Nine discounts for cheaper car insurance rates
Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we researched some of the best known and also the more inconspicuous discounts that you may qualify for.
- Telematics Devices – Policyholders that allow their company to look at driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
- Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates when compared to bad drivers.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle their seat belts could save 15% on medical payment and PIP coverage.
- Senior Discount – Mature drivers can possibly qualify for a slight reduction on a Denver car insurance quote.
- New Vehicle Savings – Buying a new car instead of a used Versa can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
- Low Mileage – Low annual miles may enable drivers to earn slightly better rates than normal.
- Multiple Cars – Buying a policy with several vehicles on one policy qualifies for this discount.
- College Student – College-age children who are attending college and do not take a car to college may qualify for this discount.
- Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
As is typical with insurance, some credits don’t apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount should help reduce the premium cost.
To see a list of car insurance companies that can offer you the previously mentioned discounts in Denver, follow this link.
Special considerations
When it comes to your policy for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are unique to you so your insurance should reflect that
For example, these questions can aid in determining whether your personal situation may require specific advice.
- Why are teen drivers so expensive to add on to my policy?
- When should my teen driver be added to my policy?
- How much liability coverage do I need in Colorado?
- Why am I required to buy high-risk coverage?
- Am I covered if I crash into my own garage door?
- Am I covered while delivering pizza?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
When should I talk to an insurance agent?
Many people still prefer to sit down with an agent and there is nothing wrong with that. Good insurance agents can point out coverage gaps and help in the event of a claim. One of the benefits of getting online price quotes is that you can obtain the best rates and still choose a local agent.
To find an agent, once you fill out this quick form, the coverage information is immediately sent to local insurance agents who will give you quotes and help you find cheaper coverage. You never need to find an agent on your own since rate quotes are delivered straight to your inbox. If you want to quote rates for a specific company, feel free to jump over to their website and fill out the quote form the provide.
Finding a good company requires more thought than just the premium amount. Ask your prospective agent these questions:
- How many companies do they write for?
- Are aftermarket or OEM parts used to repair vehicles?
- Is the quote a firm price?
- Will the company cover a rental car if your car is getting fixed?
- Are you getting all the discounts the company offers?
- Can they give you a list of client referrals?
- Is there a 24/7 contact number?
- Has the agent ever had any license suspensions?
If you’re trying to find local Denver agents, you need to know there are two different types of agencies and how they are slightly different. Auto insurance agencies are classified as either independent or exclusive depending on the company they work for. Both types can properly insure your vehicles, but we need to point out the difference in the companies they write for since it could factor into the selection process.
Exclusive Insurance Agencies
Exclusive agents are contracted to one company such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. Exclusive agencies are well trained on their company’s products which helps offset the inability to provide other markets. Consumers frequently buy insurance from these agents mostly because of the brand name and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agencies in Denver who can help you get rate quotes.
- American Family Insurance – Matthew Ditzenberger
1485 S Colorado Blvd #300c – Denver, CO 80222 – (303) 756-8038 – View Map - Tammy Hill – State Farm Insurance Agent
4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map - Tiffany Meidinger – State Farm Insurance Agent
1100 Acoma St – Denver, CO 80204 – (720) 508-8760 – View Map
Independent Agencies or Brokers
Agents of this type are not limited to a single company so they have the ability to put coverage through many different auto insurance companies and find you the best rates. If they find a lower price, they simply move the coverage in-house and you don’t have to do anything. If you need lower rates, you definitely need to include price quotes from multiple independent agents in order to compare the most rates. Most can insure with additional companies that you may not be familiar with which could offer lower prices.
Shown below is a list of independent insurance agencies in Denver that are able to give comparison quotes.
- All Insurance Agency
67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map - Gonzalez Insurance Agency
6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map - Insurance Town and Country
1735 E 17th Ave #3 – Denver, CO 80218 – (303) 388-7216 – View Map
Auto insurance policy specifics
Knowing the specifics of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.
Auto liability
This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/15 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $15,000.
Liability can pay for claims such as structural damage, loss of income, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford. Colorado state minimum liability requirements are 25/50/15 but you should consider buying higher limits.
Comprehensive (Other than Collision)
This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like fire damage, rock chips in glass and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers
This gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Versa.
Due to the fact that many Colorado drivers carry very low liability coverage limits (Colorado limits are 25/50/15), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like surgery, nursing services, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage
Collision coverage protection
This coverage pays for damage to your Versa resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like crashing into a building, backing into a parked car, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible on your Versa in order to get cheaper collision rates.
Smart consumers save more
In this article, we covered a lot of techniques to reduce Nissan Versa insurance rates online in Denver. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest rates are with a lesser-known regional company. Regional companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.
Some companies do not offer internet price quotes and many times these small insurance companies sell through independent insurance agencies. Lower-priced auto insurance in Denver can be sourced both online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.
Additional information is available at these links:
- Safety Features for Your New Car (State Farm)
- Who Has Cheap Auto Insurance for a Company Car in Denver? (FAQ)
- Who Has Cheap Car Insurance for a Toyota Corolla in Denver? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Teenagers in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance Rates for a Ford Explorer? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)