Locating cheaper insurance for a new or used Nissan Sentra could be a lot of work, but you can use these tips and make it easy.
There is a better way to shop for auto insurance so you’re going to learn the best way to quote coverages for a Nissan and locate the lowest price from local insurance agents and online providers.
Cut your premium with discounts
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Most are applied at quote time, but a few must be requested specifically before you get the savings. If you aren’t receiving every discount available, you are paying more than you should be.
- Homeowners Savings – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
- Military Discounts – Being on active duty in the military can result in better rates.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
- Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Sentra coverage than drivers with accidents.
- Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
- One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates on Sentra coverage.
- Bundle and Save – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
- Driver Safety – Taking part in a course in driver safety could save 5% or more if your company offers it.
It’s important to note that most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce your premiums.
For a list of providers who offer auto insurance discounts, click here.
Auto Insurance Prices Online
Getting a cheaper price on Nissan Sentra insurance is a fairly straight forward process. All you need to do is invest a little time comparing price quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
- The fastest way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing a different quote for each company you want a rate for. Filling out one form gets you coverage quotes from auto insurance companies with the best prices. It’s definitely the quickest method.
- A different way to analyze rates is to take the time to go to the website of each company to request a price quote. For sake of this example, we’ll pretend you want comparison quotes from Nationwide, Allstate and State Farm. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
- The most time-consuming method to get comparison rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional guidance of a licensed agent. Drivers can price shop your coverage online and still use a local agent and we’ll cover that in a bit.
Which method you use is up to you, but make darn sure you compare the exact same information for every quote you compare. If each company quotes unequal deductibles or liability limits it will be very difficult to find the best deal for your Nissan Sentra.
Why your Nissan Sentra might be costing you more
Consumers need to have an understanding of the different types of things that play a part in calculating your auto insurance rates. Understanding what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.
- Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
- Where you live is a factor – Choosing to live in a rural area can be a good thing when talking about auto insurance. Urban drivers have much more traffic and longer commute times. Fewer drivers means reduced accidents.
- Don’t buy coverages you don’t need – There are quite a few additional coverages that you can buy on your Sentra policy. Coverages for personal injury protection, towing coverage and membership fees are some examples. They may seem good initially, but your needs may have changed so eliminate them to save money.
- Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Nissan Sentra earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Your personal situation dictates your coverage
When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.
These are some specific questions might point out whether your personal situation might need professional guidance.
- I have good health insurance, so how much medical payments coverage do I need?
- Do I have any recourse if my insurance company denies a claim?
- Are all vehicle passengers covered by medical payments coverage?
- Is my babysitter covered when using my vehicle?
- Should I drop comprehensive coverage on older vehicles?
- What are the financial responsibility laws in my state?
- When should I not file a claim?
- How much liability coverage do I need in my state?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Are insurance agents a thing of the past?
Certain consumers would rather sit down with an agent and there is nothing wrong with that. Licensed agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent. And providing support for local businesses is definitely important in smaller communities.
For easy comparison, once you complete this simple form, your coverage information is instantly submitted to insurance agents who will return price quotes to get your business. You never need to leave your house as quotes are delivered directly to your email. How’s that for easy!
If you want to select a specific agent in your state, click here.
Picking an insurer shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- Who are their largest clients?
- Do they have any clout with companies to ensure a fair claim settlement?
- Can they give you a list of client referrals?
- Is the agent and/or agency licensed to do business in your state?
- Did they already check your driving record and credit reports?
- What is the agency’s Better Business Bureau rating?
- How much can you save by raising your physical damage deductibles?
Upon getting satisfactory answers to these questions and a good coverage price, most likely you have located a company that can adequately provide auto insurance.
Buy online or local, you save
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.
Cheaper Nissan Sentra insurance can be sourced on the web as well as from independent agents in your state, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
We just covered quite a bit of information on how to lower your Nissan Sentra insurance rates. The key thing to remember is the more you quote, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company.
