1997 Nissan Sentra Insurance Quotes

Searching for lower auto insurance rates for your Nissan Sentra? Locating low-cost insurance for your Nissan Sentra could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the proper way to compare rates for a new or used Nissan and find the best price possible either online or from local insurance agents.

You should make it a habit to get comparison quotes quite often due to the fact that insurance rates are constantly changing. Just because you had the lowest premium rates for Sentra coverage a few years ago you will most likely find a better price today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

Cheaper insurance coverage rates with discounts

Some insurance providers don’t always list every discount in an easy-to-find place, so we break down both the well known and the more hidden discounts you could be receiving when you buy car insurance online.

  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Resident Student – who attend college more than 100 miles from home and leave their car at home could get you a discount.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save a little off PIP or medical payments premium.
  • Student Discounts – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Senior Citizen Discount – Drivers over the age of 55 are able to get a discount up to 10% for Sentra coverage.
  • Discount for Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 20% or more.
  • Discounts for Multiple Vehicles – Buying insurance for more than one vehicle with one company could earn a price break for each car.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

Remember that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To choose insurers that offer many of these discounts, click this link.

Compare free car insurance quotes

Finding more affordable car insurance quotes is a great way to save money. Drivers just need to invest a few minutes comparing rate quotes from different insurance companies. Price comparisons can be done using a couple different methods.

  • Without a doubt, the easiest way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing separate quotes to each individual car insurance company. One form will get you rate comparisons from several companies.It’s the quickest way to get rates.
  • Another way to find lower rates consists of going to each company website and fill out a new quote form. For sake of this example, we’ll pretend you want to get rates from Farmers, Allstate and Liberty Mutual. To find out each rate you need to spend time going to each site individually to enter your coverage information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming method to find lower rates is to drive around to insurance agents’ offices. Quoting and buying insurance online eliminates this option unless you require the personal advice of a licensed agent. Some companies do allow you to compare the best prices online and have a local agent actually service the policy.

It’s your choice how you get your quotes, but do your best to use the exact same coverage limits and deductibles with each company. If your comparisons have different coverage information you can’t possibly find the best deal for your Nissan Sentra.

Informed drivers know how to quote car insurance for less

Many different elements are used in the calculation when premium rates are determined. Most are fairly basic such as your driving history, but other factors are less apparent like where you live or how safe your car is.A large part of saving on car insurance is knowing some of the elements that help determine car insurance rates. When consumers understand what determines base rates, this allows you to make good choices that can help you get lower rates.

  • Avoid tickets and save – Drivers who don’t get tickets get better prices compared to drivers with tickets. Even a single moving violation could increase your next policy renewal twenty percent or more. Drivers who have careless violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to prove financial responsibility with their state DMV in order to legally drive a vehicle.
  • Lower rates by increasing coverage deductibles – Deductibles for physical damage are how much you are required to pay if you file a covered claim. Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, hail damage, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for Sentra coverage.
  • Combine home and auto and save – Most insurance companies will give better rates to policyholders that buy multiple policies such as combining an auto and homeowners policy. If you currently are using one company, you may still want to check prices from other companies to guarantee you are still saving the most. It’s possible to still save more without the discount even if you insure with multiple companies
  • Avoid unnecessary extra coverages – Insurance companies have many additional coverages you can purchase if you aren’t careful. Things like replacement cost coverage, better glass coverage, and Farm Bureau memberships could be just wasting money. The coverages may be enticing when deciding what coverages you need, but if you don’t need them think about removing them and cutting costs.
  • Do you have a stressful job? – Did you know your car insurance rates can be affected by your occupation? Jobs like fire fighters, social workers and dentists generally have higher premium rates due to job stress and long work days. Other occupations like actors, historians and retirees have lower than average premiums for Sentra coverage.
  • Better rates on safer vehicles – Safe vehicles are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Nissan Sentra scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Never let your coverage expire – Letting your insurance expire is a fast way to increase your car insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a revoked license or a big fine. Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Rates and your address – Living in a small town has definite advantages when trying to find low car insurance rates. Lower population translates into fewer accidents and lower theft and vandalism rates. People who live in big cities have to deal with traffic congestion and longer commutes to work. More time on the road can result in more accidents.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help highlight if you could use an agent’s help.

  • How does medical payments coverage work?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I buy GAP insurance?
  • Am I covered if I break a side mirror?
  • Am I covered when using my vehicle for business?
  • Do I need an umbrella policy?
  • Why am I required to buy liability insurance?
  • What can I do if my company denied a claim?
  • Is pleasure use cheaper than using my 1997 Nissan Sentra to commute?

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 a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of insurance helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision – This coverage will pay to fix damage to your Sentra resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability auto insurance – This coverage can cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like loss of income, court costs and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hitting a bird and hail damage. 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 it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Sentra.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses such as rehabilitation expenses, funeral costs and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Have money to burn

We just showed you many ways to shop for 1997 Nissan Sentra insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest rates are with a company that doesn’t do a lot of advertising.

Budget-conscious 1997 Nissan Sentra insurance is available on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not provide online price quotes and usually these smaller providers provide coverage only through independent insurance agencies.

Insureds leave their current company for many reasons like policy cancellation, extreme rates for teen drivers, an unsatisfactory settlement offer or even delays in responding to claim requests. It doesn’t matter what your reason, switching insurance coverage companies can be pretty painless.

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