View 1999 Nissan Sentra Insurance Rates

Being forced to pay for expensive car insurance premiums can draw down your bank account, especially in this economy. Comparing rates annually can help to slash your bill and have more diposable income.

Many car insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best rate

Do you qualify for discount auto insurance?

Auto insurance is not inexpensive, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be applied at the time of quoting, but some discounts are required to be asked for prior to getting the savings. If you don’t get every credit possible, you may be paying too high a price.

  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • First Accident Forgiveness – Not really a discount, but certain companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Military Discounts – Being deployed in the military may qualify for rate reductions.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy a life policy as well.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Telematics Data – Drivers who agree to allow their insurance company to look at vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they show good driving skills.
  • Switch and Save Discount – Select larger companies give a discount for renewing your policy before your current policy expires. You may see this discount when you get insurance quotes online.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts as much as 30%.

We need to note that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comp or med pay. Despite the appearance that adding up those discounts means a free policy, auto insurance companies aren’t that generous.

To choose providers with the best auto insurance discounts, click this link.

Quote auto insurance online

When looking for affordable insurance quotes, there are a couple ways to compare rate quotes from lots of auto insurance companies. The simplest method to find cheaper Nissan Sentra rates is simply to get online rate quotes. It’s really quite simple and can be done in a couple of different ways.

The recommended way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each price estimate. Taking the time to complete one form gets rate comparisons direct from many companies.

A less efficient way to compare prices is going to the website for each individual company and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Farmers, State Farm and American Family. You would have to navigate to each company’s site and type in your information over and over, which can get rather old. To view a list of companies in your area, click here.

Even if you have time, the least recommended way to do your price quoting is calling or driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the guidance of a licensed agent. Although, it is possible compare online quotes but have a local agent actually write the policy.

It doesn’t matter which method you choose, just be sure to compare the same coverage limits with each company. If each company quotes different coverage information you will not be able to truly determine the lowest rate. Just slight variations in limits may cause a big price difference. And when price shopping your coverage, comparing more quotes provides better odds of finding a lower rate. Some insurance companies are not set up to provide online price quotes, so it’s important to also get price estimates on coverage from those companies, too.

You can change your insurance rates

Smart consumers have a good feel for some of the things that are used to determine your insurance coverage rates. If you understand what controls the rates you pay, this helps enable you to make changes that could result in big savings. Lots of factors are considered when you get your auto insurance bill. Some are obvious such as your driving record, but others are not as apparent like your vehicle usage or how financially stable you are.

  • Raise coverage deductibles and save – Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your Nissan. Some instances where coverage would apply are collision with another vehicle, flood damage, and damage caused by flying debris. The deductibles are how much you are willing to pay if a claim is determined to be covered. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive on Sentra coverage.
  • Does your employer cost you more? – Do you have a high-stress occupation? Jobs like military personnel, executives and dentists tend to have higher premium rates due to intense work requirements and lots of time spent at work. Conversely, jobs like actors, students and performers receive lower rates on Sentra coverage.
  • Rates may be higher where you live – Living in areas with lower population can be a good thing when it comes to insurance coverage. Less people translates into fewer accident claims as well as less vandalism and auto theft. People in densly populated areas regularly have more auto accidents and higher rates of accident claims. More time on the road means more chance of being in an accident.
  • A coverage lapse can increase insurance coverage rates – Driving without insurance coverage in place is not a good idea and your next policy will cost more because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, being ticketed for driving with no insurance might get you fines and jail time.
  • Stay claim-free and lower prices – If you file a lot of claims you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance companies give cheaper rates to drivers who do not file claims often. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Can a thief steal your car? – Buying a car with a theft deterrent system can save you some money. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your vehicle from being stolen.

What insurance coverages do I need?

When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether you might need professional guidance.

  • How high should deductibles be on a 1999 Nissan Sentra?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need roadside assistance coverage?
  • When can I cancel my policy?
  • Does my 1999 Nissan Sentra qualify for pleasure use?
  • Does liability extend to a camper or trailer?
  • Am I covered if I crash into my own garage door?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance policy coverages for a 1999 Nissan Sentra

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like funeral costs, X-ray expenses, prosthetic devices and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays for damage to your Sentra resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, vandalism, theft, falling objects and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like funeral expenses, bail bonds, repair bills for other people’s vehicles and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Sentra.

Because many people 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 a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

In the end, you save

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. The goal is to buy enough coverage at a price you can afford, but do not skimp to save money.

Throughout this article, we presented a lot of techniques to shop for 1999 Nissan Sentra insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best prices are with a lesser-known regional company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive or Geico.

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