Car Insurance Quotes for a Nissan Versa in Oakland

If you want to save money, the best way to save money on car insurance rates in Oakland is to do a yearly price comparison from insurance carriers who sell insurance in California. Prices can be compared by following these guidelines.

The most important part of shopping around is that you use identical coverage information on every quote and to quote with as many different companies as possible. Doing this guarantees the most accurate price comparison and the best price quote selection.

Insurance quote for Nissan Versa in OaklandIt’s safe to conclude that insurance companies want to keep you from comparing prices. People who get price quotes annually will probably switch companies because there is a significant possibility of finding lower prices. A study discovered that people who faithfully checked for cheaper rates saved as much as $3,400 over four years compared to those who never compared rates.

If finding the lowest price for Nissan Versa insurance in Oakland is your ultimate goal, understanding how to find companies and compare car insurance can save time and make the process easier.

Quoting and buying the lowest-priced coverage in Oakland is simple if you know the tricks. In a nutshell, every person who needs lower cost insurance will more than likely find lower prices. But California drivers do need to learn the methods companies use to sell online and use it to your advantage.

When comparing insurance rates, know that comparing a wide range of rates will improve the odds of getting better pricing. Not every company provides price estimates online, so you should also compare prices from them, too.

The companies shown below can provide price quotes in Oakland, CA. In order to find cheaper auto insurance in CA, it’s highly recommended you compare several of them to get the best price comparison.

Nissan Versa insurance analysis

The rate information below highlights a range of coverage prices for Nissan Versa models. Learning more about how policy premiums are established is important for you to make smart choices when comparing insurance rates.

Nissan Versa Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $158 $316 $416 $24 $124 $1,038 $87
Versa 1.8 S Hatchback $186 $454 $416 $24 $124 $1,204 $100
Versa 1.8 S SEDAN $186 $454 $416 $24 $124 $1,204 $100
Versa 1.8 SL Hatchback $214 $522 $416 $24 $124 $1,300 $108
Versa 1.8 SL SEDAN $214 $522 $416 $24 $124 $1,300 $108
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage rates substantially.

Higher deductibles lower rates

One common question asked by Oakland drivers is the level to set your comp and collision deductibles. The rates shown below lay out the differences in premium rates of buying low and high insurance deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Nissan Versa insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $282 $564 $442 $26 $132 $1,471 $123
Versa 1.8 S Hatchback $332 $810 $442 $26 $132 $1,767 $147
Versa 1.8 S SEDAN $332 $810 $442 $26 $132 $1,767 $147
Versa 1.8 SL Hatchback $380 $932 $442 $26 $132 $1,937 $161
Versa 1.8 SL SEDAN $380 $932 $442 $26 $132 $1,937 $161
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Nissan Versa insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $206 $382 $442 $26 $132 $1,188 $99
Versa 1.8 S Hatchback $242 $546 $442 $26 $132 $1,388 $116
Versa 1.8 S SEDAN $242 $546 $442 $26 $132 $1,388 $116
Versa 1.8 SL Hatchback $278 $630 $442 $26 $132 $1,508 $126
Versa 1.8 SL SEDAN $278 $630 $442 $26 $132 $1,508 $126
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in garaging location in Oakland which can raise or lower premium rates substantially.

Based on these figures, using a $100 deductible costs about $31 more each month or $372 each year than buying the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 13 months between claim filings, you would more than likely save some money by selecting a higher deductible.

Cautious drivers save money

The chart below shows how traffic citations and fender-benders raise Nissan Versa auto insurance costs for different ages of insureds. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Rate comparison of men versus women

The chart below illustrates the comparison of Nissan Versa annual premium costs for male and female drivers. Data assumes a clean driving record, no claims, comp and collision included, $250 deductibles, single status, and no other discounts are factored in.

Cut your auto insurance rates with discounts

Auto insurance is easily one of your largest bills, but there could be available discounts that could help you make your next renewal payment. A few discounts will be applied when you complete an application, but less common discounts must be specifically requested before you get the savings.Discount auto insurance

It’s important to understand that some credits don’t apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. Any amount of discount will definitely reduce the cost of coverage.

The information below shows the comparison of Nissan Versa insurance costs with and without policy discounts. The rates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

A few popular companies and the discounts they provide are:

If you need inexpensive Oakland auto insurance quotes, ask all companies you are considering which discounts can lower your rates. A few discounts may not apply to policies in Oakland. If you would like to see a list of insurers that have a full spectrum of discounts in California, click here.

Choosing Nissan vehicle insurance is an important decision

Despite the high cost of buying insurance for a Nissan Versa in Oakland, maintaining insurance is mandatory in California but it also protects more than you think.

The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. An average driver in America is overpaying over $750 every year so you should quote and compare rates at every renewal to ensure rates are competitive.

What is the best car insurance company in Oakland?

Buying coverage from a highly-rated auto insurance company can be a challenge considering how many different companies sell coverage in California. The ranking data displayed below may help you pick which car insurance providers you want to consider when comparing rate quotes.

Top 10 Oakland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Do I need an agent?

Some consumers prefer to get professional advice from a licensed agent and doing so can bring peace of mind A nice benefit of price shopping on the web is you can get the best rates and still buy from a local agent. And providing support for local agencies is definitely important in Oakland.

Oakland insurance agentsFor easy comparison, once you complete this form (opens in new window), the quote information is submitted to local insurance agents who will return price quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because prices are sent straight to your inbox. You can find the lowest rates without requiring a lot of work. If you need to quote rates from one company in particular, you can always jump over to their website and give them your coverage information.

Compare rates from both independent and exclusive car insurance agents

If you want an insurance agent, it’s helpful to know the different types of agencies to choose from. Car insurance agents in Oakland can either be independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Agents that elect to be independent are appointed with more than one company and that enables them to quote your coverage amongst many companies and find you cheaper rates. If prices rise, your policy is moved internally which requires no work on your part.

If you need cheaper car insurance rates, we highly recommend that you get quotes from several independent agencies to get the most accurate price comparison. They often place coverage with smaller mutual companies which may have better rates.

The following is a partial list of independent agents in Oakland who may be able to give you comparison quotes.

More Oakland agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only provide one company’s prices and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers often buy insurance from these agents mainly due to the brand and the convenience of having a single billing for all their coverages.

Below are exclusive agencies in Oakland that can give you price quote information.

More Oakland agents

Picking the best insurance agent requires you to look at more than just a cheap price quote. Here are some questions to ask: