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.

• Step 1: It will benefit you to learn about how your policy works and the things you can control to keep rates in check. Many factors that increase rates like your driving record and a poor credit score can be rectified by paying attention to minor details. This article provides more details to prevent high prices and find discounts that you may qualify for.
• Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agents can quote rates for many different companies.
• Step 3: Compare the price quotes to your existing coverage to determine if you can save on Versa insurance. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
• Step 4: Give notification to your current company of your decision to cancel the current policy. Submit the required down payment along with the signed application to your new agent or company. Be sure to place your new certificate of insurance in a readily accessible location in your vehicle.

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.

It’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.

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.

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.

• Accident Forgiveness – This one isn’t a discount, but some insurance companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
• Student in College – Youth drivers living away from Oakland attending college and do not take a car to college may be able to be covered for less.
• ABS and Traction Control Discounts – Vehicles with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
• Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates compared to accident prone drivers.
• Defensive Driver Discount – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
• Memberships – Having an affiliation with a civic or occupational organization in Oakland could trigger savings when getting a Oakland auto insurance quote.
• Air Bag Discount – Vehicles with factory air bags may qualify for discounts of up to 25% or more.

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:

• State Farm offers discounts including safe vehicle, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, multiple policy, and anti-theft.
• Nationwide offers premium reductions for accident-free, anti-theft, Farm Bureau membership, multi-policy, good student, and easy pay.
• GEICO may include discounts for daytime running lights, membership and employees, multi-vehicle, five-year accident-free, seat belt use, and air bags.
• AAA may have discounts that include multi-car, education and occupation, multi-policy, anti-theft, AAA membership discount, good driver, and pay-in-full.
• 21st Century has savings for defensive driver, early bird, student driver, automatic seat belts, and good student.
• The Hartford includes discounts for vehicle fuel type, driver training, defensive driver, air bag, bundle, and good student.

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.

• Just about all states have minimum liability requirements which means state laws require a minimum amount of liability insurance if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your vehicle with a loan, most lenders will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and require you to pay the higher premium.
• Insurance safeguards both your vehicle and your personal assets. Insurance will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, your insurance policy will pay to restore your vehicle to like-new condition.

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.

For 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.

• Fred Loya Insurance
  1620 High St STE B – Oakland, CA 94601 – (510) 434-1801 – View Map
• Travel Insurance Agency
  610 16th St #508 – Oakland, CA 94612 – (510) 452-3366 – View Map
• Greater Metrowest Insurance Agency
  Oakland, CA 94612 – Oakland, CA 94612 – (510) 444-1404 – View Map

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.

• Farmers Insurance – Mahir Abdul-Haqq
  4267 Masterson St – Oakland, CA 94619 – (510) 530-8502 – View Map
• Jose Cano – State Farm Insurance Agent
  3301 E 12th St Suite 113 – Oakland, CA 94601 – (510) 533-8107 – View Map
• Farmers Insurance – Jimmie Oliver
  1800 55th Ave – Oakland, CA 94621 – (510) 517-7663 – View Map

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:

• When do they do a full risk review?
• Are claim adjusters local or do you have to take your car somewhere else?
• What insurance company do they write the most business with?
• Is auto insurance their primary focus in Oakland?
• How long has their agency been open in Oakland?
• Is coverage determined by price?