Compare 2002 Nissan Sentra Insurance Quotes

Searching for better insurance coverage rates for your Nissan Sentra? Paying for overpriced Nissan Sentra insurance can take a big chunk out of your bank account and put the squeeze on your family’s finances.

Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurers to discover the definitive best price available.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Choosing the best insurance company for you is not that difficult. But consumers do need to know the methods companies use to price online insurance and apply this information to your search.

Compare quotes for insurance

There are a variety of methods to shop for insurance, but one way is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the larger companies belong to an insurance system that enables customers to send in one quote, and each participating company then returns a price quote based on that information. This prevents consumers from doing quote forms for each company you want a rate for.

To find out how much you can save on insurance click here to open in new window.

The single downside to using this type of form is you can’t choose the companies you want pricing from. So if you want to select individual companies to compare rates, we put together a list of low cost insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure to compare the same coverage limits and deductibles for each price quote. If your comparisons have higher or lower deductibles it will be next to impossible to get a fair rate comparison. Just slight variations in limits can mean a large discrepancy in price. And when comparing insurance rates, know that having more price comparisons helps increase your odds of locating more affordable insurance. Some regional insurers cannot provide online price quotes, so you should also compare price quotes from the smaller companies as well.

Car insurance policy discounts

Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will be applied at quote time, but some must be inquired about before you will receive the discount.

Onboard Data Collection – Insureds who allow driving data submission to scrutinize where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they show good driving skills.
Good Students Pay Less – Being a good student may save as much as 25% on a car insurance quote. Earning this discount can benefit you until age 25.
ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents so companies give up to a 10% discount.
College Student Discount – who live away from home to go to college and do not take a car to college could qualify for this discount.
Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
Homeowners Savings – Owning a house may trigger a policy discount on car insurance because maintaining a house requires a higher level of personal finance.
Theft Prevention Discount – Cars and trucks with anti-theft systems help deter theft and will save you 10% or more.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

Large car insurance companies and a partial list of their discounts are included below.

Travelers includes discounts for new car, continuous insurance, hybrid/electric vehicle, good student, and driver training.
21st Century may include discounts for teen driver, good student, automatic seat belts, air bags, 55 and older, and student driver.
State Farm may offer discounts for anti-theft, good student, good driver, Drive Safe & Save, passive restraint, multiple autos, and accident-free.
Geico offers discounts including driver training, military active duty, air bags, good student, and emergency military deployment.
SAFECO offers premium reductions for bundle discounts, teen safety rewards, anti-lock brakes, multi-car, anti-theft, and accident prevention training.
AAA has savings for pay-in-full, multi-policy, good student, anti-theft, good driver, multi-car, and education and occupation.

Double check with each company how many discounts you can get. Some discounts might not be offered in your state. To view car insurance companies with discount rates, click here to view.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether you may require specific advice.

What is the difference between comprehensive and collision coverage?
When should I buy a commercial auto policy?
Is my nanny covered when driving my vehicle?
How much liability insurance is required?
What can I do if my company denied a claim?
Why am I required to get a high-risk car insurance policy?
Am I missing any policy discounts?
Should I get collision insurance on every vehicle?
How much can I save by bundling my policies?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Auto insurance coverage specifics

Having a good grasp of auto insurance aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Comprehensive (Other than Collision)

This covers 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 coverage pays for claims such as rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like ambulance fees, prosthetic devices, surgery, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, loss of income and medical services. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.