2001 Nissan Sentra Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find lower auto insurance rates for your Nissan Sentra? When looking for cheaper insurance, are you baffled by the sheer number of auto insurance sources in your area? Many other drivers are as well. There are so many sources available that it can easily become a real difficult job to compare prices.

It’s smart to get comparison quotes before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the best premium rates for Sentra insurance on your last policy there is a good chance you can find better prices now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to lower your rates without sacrificing coverage.

Six discounts to earn affordable car insurance rates

Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even be aware of. Some of these disounts will be visible at quote time, but some may not be applied and must be asked for before you will receive the discount.

  • Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts as much as 30%.
  • Discount for Low Mileage – Maintaining low annual mileage can qualify you for cheaper car insurancerates.
  • Professional Memberships – Joining qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • No Claim Discounts – Drivers who stay claim-free pay less compared to drivers with a long claim history.
  • Distant Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home could get you a discount.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous.

Larger car insurance companies and the discounts they provide are outlined below.

  • Progressive includes discounts for continuous coverage, homeowner, multi-vehicle, good student, multi-policy, online signing, and online quote discount.
  • SAFECO has savings for homeowner, drive less, teen safe driver, bundle discounts, and multi-car.
  • American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, bundled insurance, Steer into Savings, and early bird.
  • MetLife may have discounts that include good driver, accident-free, defensive driver, multi-policy, and good student.
  • Geico offers premium reductions for anti-theft, daytime running lights, membership and employees, multi-policy, air bags, and driver training.
  • The Hartford discounts include bundle, air bag, defensive driver, vehicle fuel type, good student, driver training, and anti-theft.

If you are trying to find the cheapest insurance coverage quotes, ask every prospective company which credits you are entitled to. All car insurance discounts may not be offered everywhere. To locate car insurance companies that can offer you the previously mentioned discounts, follow this link.

Compare car insurance rates

The are a couple different ways to get quotes from many car insurance companies in your state. The quickest method to do a complete rate comparison consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The fastest and easiest way to get quotes is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for separate quotation requests for each company. Filling out one form gets coverage cost estimates from all major companies. It’s the fastest way to compare.
  2. Another way to shop for car insurance online consists of visiting each company’s website to complete their respective quote request forms. For examples sake, let’s say you want comparison quotes from State Farm, Liberty Mutual and American Family. In order to compare rates, you need to navigate to each company’s site and repeatedly enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The last way to get comparison rates is to waste gas driving to each insurance agency near you. Comparing online rate quotes eliminates the need for an insurance agent unless you prefer the guidance that only a licensed agent can provide. If you prefer, some companies allow you to price shop your coverage online but buy from a local insurance agent.

Which method you use is up to you, but do your best to enter nearly identical information with each company. If the quotes have unequal deductibles or liability limits it will be nearly impossible to determine which company has the best rates. Quoting even small variations in insurance coverages or limits can result in a big premium difference. It’s important to know that comparing all the rates in your area helps you find more affordable insurance. Not every company provides online quotes, so it’s necessary to compare quotes on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out whether or not you might need an agent’s assistance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • When should I drop full coverage on my 2001 Nissan Sentra?
  • Can I rent a car in Mexico?
  • What discounts do I qualify for?
  • Does my car insurance cover rental cars?
  • What are the best liability limits?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like X-ray expenses, pain medications, dental work and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Nissan Sentra.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, hail damage, fire damage and falling objects. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Smart shoppers get results

Drivers switch companies for any number of reasons including unfair underwriting practices, poor customer service, policy cancellation and even being labeled a high risk driver. No matter why you want to switch, finding a great new company is easier than you think.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The goal is to get the best coverage possible at the best cost and still be able to protect your assets.

In this article, we presented many tips how you can shop for 2001 Nissan Sentra insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. Consumers may even find the best car insurance rates are with the smaller companies.

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