Cheaper 1995 Nissan Sentra Car Insurance Quotes

Searching for cheaper car insurance rates for your Nissan Sentra? If you are new to online price comparisons, you can be confused due to the large number of local and online companies that all promise the best rates.

Consumers need to shop coverage around at least once a year because rates are usually higher with each renewal. Just because you found the best premium rates for Sentra insurance a year ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper car insurance.

How to lower your insurance cost

There are a variety of methods to compare insurance quotes, but there is one way that is less time-consuming than others. You could spend the better part of a day talking about coverages with agents in your area, or you could use online quotes to quickly compare rates.

Most of the larger companies belong to a marketplace that enables customers to enter their policy data once, and each participating company can give them a price based on that data. This prevents consumers from doing quotation requests for each company you want a rate for. To enter your information into the quoting system, click here to open in new window.

One minor caviat to using this type of system is buyers cannot specifically choose the insurers to receive prices from. If you would rather choose individual companies for rate comparison, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but be certain you are entering equivalent quote information for each quote you get. If the quotes have different deductibles you will not be able to make a fair comparison for your Nissan Sentra. Just a small difference in coverages may result in large price differences. And when price shopping your coverage, making a lot of price comparisons helps increase your odds of locating lower pricing.

Do car insurance companies bend the truth?

Geico, State Farm and Progressive regularly use ads on television and other media. They all seem to state the claim about how much you will save if you get a free auto insurance quote and switch to their company. How can each company lower your prices?

All the different companies give the cheapest rates for the type of driver that is profitable for them. An example of a profitable insured might be described as over the age of 35, has few claims, and drives a vehicle with a low ISO rating. Anyone that hits that “sweet spot” gets the lowest prices as well as save when switching.

Consumers who are not a match for these standards will see higher prices and ends up with the customer not buying. The trick is to say “people that switch” but not “all drivers who get quotes” save money. That is how companies can truthfully make those claims. Different companies use different criteria so it’s extremely important to get as many free auto insurance quotes as possible. It’s just not possible to know the company that will give you the biggest savings.

Nissan Sentra insurance premiums can be reduced

Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but some are not quite as obvious such as your credit history or how financially stable you are.

The items below are a partial list of the pieces used by insurance companies to determine premiums.

  • Single drivers take more risk – Getting married may earn you lower rates on your auto insurance bill. It usually means you are more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Annual mileage impacts prices – The more miles you rack up on your Nissan in a year’s time the higher your rate. Most companies calculate rates based on their usage. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Incorrect rating for your Sentra is just wasting money. Double check that your auto insurance policy properly reflects annual mileage.
  • Teenage drivers are expensive to insure – Older insureds are more cautious drivers, cause fewer claims and accidents and are safer drivers.Youthful drivers are statistically proven to get distracted easily behind the wheel so auto insurance rates are higher.
  • Gender is a factor – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. They both cause at-fault accidents at a similar rate, but the males have accidents that have higher claims. Not only that, but men also receive more costly citations like driving under the influence (DUI). Young men ages 16 to 20 have the highest risk to insure and therefore are the most expensive to insure.
  • Tickets can be expensive – Getting just one citation can increase rates forty percent or more. Good drivers receive lower rates than their less careful counterparts. Drivers unfortunate enough to have dangerous tickets such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state DMV in order to legally drive a vehicle.
  • Vocation impacts auto insurance rates – Did you know your career choice can influence rates? Jobs such as judgesair traffic controllers and stock brokers have the highest rates because of intense work situations and incredibly demanding work hours. Conversely, careers such as professors, athletes and the unemployed have the lowest average rates for Sentra insurance.
  • Gaps in coverage mean higher auto insurance rates – Having a gap between insurance policy dates is a fast way to bump up your auto insurance costs. Not only will you pay higher rates, the inability to provide proof of insurance may result in a license revocation or jail time.
  • Why do you need liability coverage? – Your auto insurance policy’s liability coverage kicks in in the event that you are responsible for causing personal injury or damage in an accident. Your liability coverage provides you with a defense in court to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Get lower rates by taking advantage of discounts

Car insurance can cost a lot, but there are discounts available that could help you make your next renewal payment. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked for in order for you to get them.

  • No Accidents – Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Student Driver Training – Teen drivers should sucessfully take a drivers education course if offered at their school.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
  • Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with discounted prices on garaged vehicles.
  • Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease for Sentra insurance but check with your company.
  • First Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will reduce the premium cost.

Large insurance companies and a selection of discounts are included below.

  • Geico policyholders can earn discounts including federal employee, multi-policy, defensive driver, membership and employees, good student, and daytime running lights.
  • MetLife discounts include good driver, claim-free, multi-policy, defensive driver, and good student.
  • State Farm may have discounts that include anti-theft, good driver, student away at school, Steer Clear safe driver discount, multiple policy, and accident-free.
  • Progressive may include discounts for online signing, good student, multi-vehicle, online quote discount, multi-policy, and continuous coverage.
  • Mercury Insurance offers discounts including multi-car, ease of repair, low natural disaster claims, age of vehicle, anti-theft, accident-free, and type of vehicle.
  • 21st Century includes discounts for student driver, defensive driver, 55 and older, anti-lock brakes, theft prevention, and homeowners.
  • Allstate has discounts for good payer, anti-theft, passive restraint, economy car, premier plus, defensive driver, and premier discount.

Before you buy a policy, ask each company or agent how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. To locate insurers who offer discounts, follow this link.

How much insurance coverage do I need?

When choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How do I insure my teen driver?
  • At what point should I drop full coverage?
  • Is pleasure use cheaper than using my 1995 Nissan Sentra to commute?
  • Am I covered if I drive in a foreign country?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I missing any policy discounts?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for X-ray expenses, rehabilitation expenses, chiropractic care and dental work. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto insurance – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as court costs, pain and suffering, loss of income, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision – Collision insurance covers damage to your Sentra resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

In Summary

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In many cases, consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Insureds leave their current company for a number of reasons such as poor customer service, unfair underwriting practices, policy cancellation and even extreme rates for teen drivers. Whatever your reason, finding a new insurance company can be easier than you think.

We covered quite a bit of information on how to save on 1995 Nissan Sentra insurance. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. You may even find the lowest car insurance rates are with a lesser-known regional company.

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