View 1998 Nissan Sentra Car Insurance Cost

Looking for better insurance coverage rates for your Nissan Sentra? Overpriced insurance coverage can bottom out your savings and force you to prioritize other expenses. Performing a price comparison is free and is an excellent way to lower your monthly bill.

You have so many insurers to choose from, and though it is a good thing to have a selection, it can be more difficult to compare company pricing.

You need to take a look at other company’s rates before your next renewal because prices change quite often. Even if you think you had the best deal on Sentra coverage on your last policy you can probably find a lower rate today. There is lot of inaccurate information about insurance coverage out there, but in a few minutes you can learn some of the best ways to slash your insurance coverage rates.

Buying affordable protection is not that difficult. Basically, every vehicle owner who is required by state law to have auto insurance will be able to lower their premiums. Although consumers can benefit by having an understanding of how big insurance companies compete online and apply this information to your search.

Lower your insurance premiums

A large part of saving on insurance is knowing some of the factors that go into determining the price you pay for insurance. If you have a feel for what influences your rates, this helps enable you to make changes that may reward you with much lower annual insurance costs.

The itemized list below are a few of the “ingredients” used by companies to determine your rates.

  • Raise physical damage deductibles and save – Physical damage deductibles represent how much money you are required to spend out-of-pocket if a claim is determined to be covered. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, vandalism, or theft of your vehicle. The more damage repair cost you have to pay, the lower your rates will be on Sentra coverage.
  • Save money by having excellent credit – Having a good credit score factor in calculating your premium rate. People with very good credit scores tend to file fewer claims than drivers with poor credit. Therefore, if your credit score can be improved, you could save money insuring your 1998 Nissan Sentra if you clean up your credit.
  • Better premiums on cars with good safety ratings – Cars with five star safety ratings tend to have lower insurance rates. These vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and thus lower rates. If your Nissan Sentra scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • High insurance claims frequency drives up premiums – Car insurance companies give the best rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either higher rates or even cancellation. Insurance coverage is meant to be used in the event of more catestrophic claims.
  • City traffic equals higher costs – Choosing to live in less populated areas is a good thing when shopping for auto insurance. Urban drivers have to deal with more aggressive driving styles and longer commute times. Fewer drivers means a lower chance of having an accident and a lower car theft rate.

Insurance policy discounts you can’t miss

Auto insurance companies don’t always publicize every possible discount very well, so the list below gives a summary of some of the best known and also the lesser-known credits that you can use to lower your rates. If you do not double check each discount you deserve, you’re paying more than you need to.

  • Theft Deterent System – Vehicles with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • E-sign – A handful of insurance companies will provide an incentive just for signing your application on your computer.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings of more than 20%.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan can earn cheaper prices.
  • Memberships – Joining specific professional or occupational memberships or organizations could trigger savings on your next insurance statement.
  • Drivers Ed for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in high school.
  • Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage on Sentra coverage depending on your company.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy life insurance.

Don’t be surprised that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that may offer most of the discounts above include:

Before you buy a policy, ask every prospective company to give you their best rates. Discounts might not be offered in your area. To see insurers with significant discounts, click here.

Auto insurance ads bend the truth

Well-known auto insurance companies like Progressive, Geico, Allstate and State Farm continually stream ads in print and on television. They all seem to tend to make the same promise of big savings if you move your policy. How does every company save you money? This is the trick they use.

Auto insurance companies have specific guidelines for a prospective insured that earns them the highest profit. One example of this type of insured should be a married male, has few claims, and drives a car with an anti-theft system. Any driver who matches that profile will probably get cheap prices and will most likely save a lot of money.

Potential customers who do not fit the requirements will be quoted higher premiums and ends up with the prospect going elsewhere. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much. That’s the way companies can make claims that they all have the best rates.

Each company has different criteria, so you should get insurance coverage quotes from several different companies. It is just not possible to predict the company that will give you lower prices than your current company.

Insurance agents can help

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Do I need PIP coverage since I have good health insurance?
  • Exactly who is provided coverage by my policy?
  • Am I insured when driving a different vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Will filing a claim cost me more?
  • Do I need replacement cost coverage on my 1998 Nissan Sentra?
  • Are split liability limits better than a combined single limit?
  • Do I really need UM/UIM coverage?
  • Is my camper covered by my car insurance policy?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like X-ray expenses, surgery, EMT expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability

This protects you from damage that occurs to other’s property or people. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision protection

This will pay to fix damage to your Sentra from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, crashing into a ditch, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 1998 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. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive protection

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, falling objects, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More choices the merrier

You just read some good ideas how you can reduce 1998 Nissan Sentra insurance premium rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. They often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

Budget-friendly car insurance can be purchased from both online companies in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some companies do not provide online quoting and most of the time these small, regional companies only sell through independent insurance agents.

For more information, feel free to browse the following helpful articles: