Searching for better insurance prices for your Nissan Sentra could be a painful process, but you can learn a few tricks and make it easy.
There are more efficient ways to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Nissan and find the lowest possible price from both online companies and local agents.
You should make it a habit to get comparison quotes before your next renewal due to the fact that insurance prices tend to go up over time. Even if you think you had the best quotes on Sentra coverage a couple years back you can probably find a better rate now. Ignore everything you know about car insurance because you’re about to find out one of the best ways to buy cheaper car insurance.
Multiple criteria are used in the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but others are less apparent like where you live or how safe your car is.
Effectively comparing insurance coverage prices can take hours if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the internet for quick rates.
Most major companies belong to a marketplace that allows shoppers to enter their policy data once, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quotation requests to every company.
To enter your information into the quoting system, click to open in new window.
The one disadvantage to pricing coverage this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you want to select specific providers to receive pricing from, we have assembled a list of insurance coverage companies in your area. Click to view list.
It’s your choice how you get your quotes, but ensure you’re using the same quote information for each price quote. If your comparisons have different values for each quote it will be nearly impossible to make an equal comparison.
Companies don’t always list every discount very clearly, so the list below details both well-publicized and the harder-to-find discounts that you can inquire about if you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.
As a footnote on discounts, most credits do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, you’re out of luck. But all discounts will definitely lower the amount you pay for coverage.
A few popular companies and their offered discounts are outlined below.
If you need lower rates, check with all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not be offered in your area. If you would like to see a list of insurance companies that offer some of these discounts, click here.
When it comes to buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that might point out if your situation may require specific advice.
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
Coverage for medical expenses – Med pay and PIP coverage reimburse you for expenses like nursing services, EMT expenses, prosthetic devices, surgery and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible
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 insurance covers claims such as hitting a parking meter, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Comprehensive auto insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hail damage, hitting a deer, falling objects and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Auto liability insurance – Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for claims like bail bonds, court costs, structural damage and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.
Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages do not exceed the liability coverage limits.
When buying insurance coverage, you should never reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits only to regret that it was a big error on their part. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
People leave their current company for many reasons like high prices, an unsatisfactory settlement offer, delays in paying claims or poor customer service. Whatever your reason, finding a great new company is not as hard as you think.
In this article, we presented some good ideas how you can compare 2009 Nissan Sentra insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the lowest priced insurance coverage comes from some of the lesser-known companies.
For more information, feel free to browse these articles: