Compare 2005 Nissan Sentra Insurance Rates

Searching for the cheapest insurance coverage rates for your Nissan Sentra? Trying to find cheap Driversinsurance coverage could be hard for drivers who are beginners to online insurance quotes. With so many options of companies, it can easily turn into hard work to find the best price.

You should take the time to quote other rates every six months since insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal for Sentra insurance on your last policy you will most likely find a better premium rate today. There are lots of tips to save on insurance coverage on the web, but I’m going to show you some proven techniques to find cheap insurance coverage.

Quote car insurance online

Comparing car insurance rates can take hours if you don’t utilize the best way to get rate quotes. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

The majority of car insurance companies belong to an insurance system where prospective buyers enter their policy data once, and each company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests to each individual car insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to using this type of form is you cannot specify the providers to get quotes from. If you would rather choose specific insurance companies to compare prices, we put together a list of car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just be sure you’re using the exact same coverages and limits on every price quote you get. If you have unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best. Slightly different coverage limits can make a big difference in price. And when comparison shopping, quoting more helps you find lower pricing.

Car insurance policy discounts

Car insurance companies don’t always publicize all available discounts very clearly, so we researched a few of the more common and the harder-to-find discounts that you may qualify for.

  • College Student – Children who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Senior Citizen Discount – Drivers that qualify as senior citizens could receive a discount up to 10% for Sentra insurance.
  • Membership in Organizations – Participating in a civic or occupational organization is a simple method to lower premiums when getting a car insurance quote.
  • Home Ownership Discount – Just owning your own home can save you money because of the fact that having a home is proof that your finances are in order.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower rates.
  • Onboard Data Collection – Drivers who elect to allow data collection to analyze their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they are good drivers.
  • Safe Driver Discounts – Accident-free drivers may receive a discount up to 45% for Sentra insurance than their less cautious counterparts.
  • Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote compared to frequent claim filers.
  • Life Insurance Discount – Larger insurance carriers have a small discount if you purchase some life insurance in addition to your auto policy.
  • Pay Now and Pay Less – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.

Discounts lower rates, but most discounts do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

Companies that may offer quotes with some of the above discounts may include but are not limited to:

Check with every company to give you their best rates. Some credits may not be available in your state. To locate providers with discount car insurance rates, click here.

How do insurance companies determine Nissan Sentra insurance rates?

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that help determine the level of your policy premiums. If you know what influences your rates, this allows you to make good choices that can help you get much lower annual insurance costs. Many things are used when pricing auto insurance. Some factors are common sense such as traffic violations, although others are less obvious such as whether you are married or your financial responsibility.

  • Guys are more aggressive – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Men and women are responsible for fender benders in similar numbers, but men get into accidents with more damage. Not only that, but men also receive more major tickets like reckless driving and DUI. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.
  • Insurance rates in urban areas – Residing in smaller towns and rural areas of the country can be a good thing when talking about insurance coverage. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. Residents of big cities have congested traffic and more time behind the wheel. More time behind the wheel can result in more accidents.
  • Lower miles equals lower premium – Driving more miles in a year’s time the more you’ll pay to insure it. Almost all companies apply a rate based upon how much you drive. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your policy properly reflects the correct driver usage, because improper ratings can cost you money. Having an incorrect usage rating on your Sentra can cost quite a bit.
  • Married drivers get cheaper costs – Walking down the aisle may cut your premiums on your policy. Having a significant other means you’re more mature and responsible and statistics prove drivers who are married file infrequent claims.
  • Expect high rates for teens – Young drivers tend to be inattentive and easily distracted when driving with friends and because of this, their insurance coverage rates are much higher. Parents adding a beginning driver to your insurance coverage policy can be quite pricey. Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Physical damage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Nissan. A few examples of covered claims could be collision with another vehicle, damage caused by hail, and having your car stolen. Physical damage deductibles define the amount you are required to pay if a claim is determined to be covered. The more the insured is willing to pay, the lower your rates will be for Sentra insurance.
  • Avoid tickets and save – A bad driving record impacts premiums far more than you think. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Having just one moving violation can boost insurance rates substantially. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state in order to keep their license.

How do I know if I need professional advice?

When buying the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might point out if your insurance needs will benefit from professional help.

  • Does my personal policy cover me when driving out-of-state?
  • How high should my medical payments coverage be?
  • Am I getting all the discounts available?
  • Does medical payments coverage apply to all occupants?
  • Why do I need rental car insurance?
  • Should I have combined single limit or split liability limits?
  • Do I pay less if my vehicle is kept in my garage?
  • What happens if I owe more than my 2005 Nissan Sentra is worth?
  • Will my insurance pay for OEM parts?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Big brands don’t always mean big savings

Big name companies like State Farm, Allstate and Geico consistently run ads in print and on television. They all seem to make the point of big savings if you get a free car insurance quote and switch your policy. How does every car insurance company save you money? Here is the trick they use.

Insurance providers have underwriting criteria for the type of insured that earns them the highest profit. For example, a profitable risk profile may be over the age of 35, has a clear driving record, and has excellent credit. Any new insured who matches that profile receive the lowest rate quotes and have a good chance to save a lot if they switch.

Potential customers who do not match this ideal profile will be charged higher rates and this can result in the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way insurance companies can confidently make the claims of big savings. This really emphasizes why it’s extremely important to get as many free car insurance quotes as possible. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Specific coverage details

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. 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. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as repair costs for stationary objects, bail bonds, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision coverage

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 and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, crashing into a ditch, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for EMT expenses, rehabilitation expenses, prosthetic devices, chiropractic care and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Nissan Sentra.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Do the work, save more money

When shopping online for auto insurance, you should never buy poor coverage just to save money. In many cases, someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your goal should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

You just read many ideas to get a better price on 2005 Nissan Sentra insurance. The key thing to remember is the more companies you get premium rates for, the better chance you’ll have of finding cheaper car insurance. You may be surprised to find that the best car insurance rates are with a company that doesn’t do a lot of advertising.

Drivers switch companies for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, high rates after DUI convictions or an unsatisfactory settlement offer. No matter why you want to switch, finding a new auto insurance company is easier than you think.

Additional information can be found at the links below