2011 Nissan Sentra Car Insurance Quotes – 9 Ways to Save

Want better auto insurance rates for your Nissan Sentra? Shopping for cheaper auto insurance might appear problematic for drivers new to comparison shopping on the internet. With so many options of insurance companies available, how can drivers be able to compare every one to find the best available price?

Save money by earning these nine discounts

Companies offering auto insurance do not list every discount in an easy-to-find place, so the list below details a few of the more well known as well as some of the hidden savings tricks you should be using when you buy insurance online.

  • Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sentra coverage as compared to drivers with claims.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.
  • Buy New and Save – Adding a new car to your policy can save you some money because newer models are generally safer.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • E-sign – A few larger companies may give you up to $50 just for signing your application digitally online.
  • Military Rewards – Being deployed in the military could trigger a small discount.
  • Telematics Discount – Insureds who allow their insurance company to scrutinize driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as they are good drivers.
  • One Accident Forgiven – This one isn’t a discount, but companies like Geico and Liberty Mutual allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.

To find insurers with discount rates, click here to view.

Your car insurance coverage should be tailored to you

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Am I covered if I hit a deer?
  • How much liability do I need to cover my assets?
  • Does my policy pay for OEM or aftermarket parts?
  • Does coverage extend to a rental car in a foreign country?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

But they said I’d save $484 a year!

Respected companies like Allstate and Progressive seem to constantly run television, radio, and online ads. They all seem to advertise the message that people will save if you switch your car insurance coverage to their company. How does every car insurance company save you money? This is the way they can do it.

Insurance providers have a preferred profile for the type of insured that will not have excessive claims. For example, a preferred risk might be described as married and over the age of 30, has few claims, and drives a safe vehicle. A customer who fits that profile may get the lowest auto insurance rates and will save when they switch companies.

Potential customers who may not quite match the ideal profile will have to pay more expensive rates and ends up with business not being written. If you listen closely, the ads state “drivers who switch” not “everybody who quotes” save the amount stated. This is how insurance companies can lure you into getting a quote. Each company has different criteria, so you really should compare rate quotes every year. It’s just too difficult to predict which car insurance company will fit your personal profile best.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, medical services, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, doctor visits, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

At the end of the day…

Drivers change insurance companies for many reasons like delays in responding to claim requests, high prices, lack of trust in their agent or even poor customer service. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

We just covered many ideas to reduce 2011 Nissan Sentra insurance premium rates online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may even find the best price on auto insurance is with a smaller regional carrier.

Cheaper 2011 Nissan Sentra insurance can be purchased both online and from local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies may not have online price quotes and usually these small insurance companies provide coverage only through independent insurance agencies.

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