How Much Does 2012 Nissan Sentra Car Insurance Cost?

If you’re trying to find more affordable insurance online, are you confused by the number of car insurance sources? vehicle owners have so many options that it is a difficult mission to find the perfect company for you.

It’s important to shop coverage around once or twice a year due to the fact that insurance prices trend upward over time. Just because you found the lowest rate for Sentra insurance a year ago a different company probably has better premium rates today. Block out anything you think you know about car insurance because we’re going to show you how to quote online to save on car insurance.

The quickest way to get rate comparisons is to take advantage of the fact almost all companies actually pay money for the chance to give rate comparisons. All you need to do is give the companies some data including how much school you completed, whether or not you need a SR-22, whether you have decent credit, and what your job is. Your insurance information is sent automatically to multiple top-rated companies and you should receive rate quotes instantly to find the best rate.

To compare multiple company rates now, click here and enter your zip code.

Is there truth in advertising?

Big name companies like State Farm, Geico and Progressive seem to constantly run television, radio, and online ads. All the companies tend to make the same promise that drivers can save some big amount if you switch your coverage to them. It sounds good, but how can they all have lower policy pricing? Here is the trick they use.

Companies provide the lowest rates for the type of customer that will not have excessive claims. A good example of a desirable risk might be described as between the ages of 30 and 50, has never had a claim, and has great credit. Anyone that meets those criteria may get the lowest prices as well as save if they switch.

Consumers who don’t qualify for the ideal profile will get a higher rate and ends up with business going elsewhere. Company advertisements say “people that switch” but not “everyone who gets a quote” save that much when switching. That is how insurance companies can lure you into getting a quote.

This really illustrates why you really need to get a wide range of price quotes. It’s not possible to predict with any certainty which company will have the best premium rates.

Why you might pay inflated rates

Lots of factors are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure like your continuous coverage or your vehicle rating.

Listed below are some of the things used by insurance companies to determine your rate level.

  • More stress means more cost – Careers such as fire fighters, social workers and medical professionals have the highest rates due to intense work requirements and extremely grueling work hours. On the flip side, professions such as actors, historians and performers generally pay rates lower than average for Sentra insurance.
  • Liability protection safeguards assets – The liability coverage on your policy is the coverage that protects you if you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Stay claim-free and reduce prices – If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Insurance companies provide the best rates to people who file claims infrequently. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Additional coverages that may be costing you – Policies have additional extra coverages that can add up on your insurance coverage policy. Insurance for things like roadside assistance, towing coverage, and extra life insurance coverage may not be needed and are just wasting money. These coverages may sound good when talking to your agent, but now you might not need them so consider taking them off your policy.
  • Multi-policy discounts can save money – Lots of insurers apply better rates to buyers who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare rates to confirm you are receiving the best rates possible. You may still find better rates even if you insure with multiple companies
  • Premiums are lower the older you get – Teen drivers are statistically proven to be inattentive and easily distracted when driving with friends so insurance coverage rates are higher. Older insureds are shown to be more cautious, are lower risk to insure and receive fewer citations.
  • Having a spouse can lower prices – Your spouse helps lower the price on your insurance coverage bill. Marriage may mean you are more responsible and insurance companies like that married drivers tend to file fewer claims.

Lower your insurance coverage rates with discounts

Some insurers don’t list every discount they offer very well, so the next list breaks down both the well known as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Passive Restraints – Options like air bags or motorized seat belts can receive discounts of 20% or more.
  • Policy Bundle Discount – If you can combine your auto and home policy and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
  • Theft Deterent – Cars with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease for Sentra insurance but check with your company.
  • Own a Home and Save – Just being a homeowner can save a few bucks because of the fact that having a home is proof of financial responsibility.
  • Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates for Sentra insurance compared to rates paid by drivers with frequent claims.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.
  • Clubs and Organizations – Belonging to qualifying employment or professional organizations can get you a small discount on insurance coverage.
  • Good Grades Discount – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.

Consumers should know that some credits don’t apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, insurance coverage companies aren’t that generous. Any amount of discount will lower the amount you pay for coverage.

Popular insurance coverage companies and their offered discounts are included below.

  • Progressive may offer discounts for good student, multi-vehicle, online signing, online quote discount, homeowner, continuous coverage, and multi-policy.
  • MetLife offers premium reductions for claim-free, good student, multi-policy, accident-free, and defensive driver.
  • Mercury Insurance offers discounts including type of vehicle, accident-free, anti-theft, age of vehicle, good driver, professional/association, and multi-policy.
  • Nationwide has savings for Farm Bureau membership, easy pay, family plan, multi-policy, business or organization, good student, and defensive driving.
  • Geico may include discounts for emergency military deployment, five-year accident-free, anti-theft, anti-lock brakes, seat belt use, defensive driver, and daytime running lights.
  • AAA offers discounts for good driver, pay-in-full, AAA membership discount, multi-car, and anti-theft.

If you want low cost car insurance quotes, ask each company or agent which discounts you qualify for. Some discounts listed above may not apply to policies in your area. If you would like to view insurers with the best insurance coverage discounts, click here to view.

You are unique and your car insurance should be too

When choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique.

For instance, these questions can help discover if your situation could use an agent’s help.

  • How can I get my company to pay me more for my totalled car?
  • I have health insurance so do I need medical payments coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I put collision coverage on all my vehicles?
  • Is a fancy paint job covered?
  • Is my trailer covered?
  • Does medical payments coverage apply to all occupants?
  • Is business property covered if stolen from my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverages for a Nissan Sentra

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, hitting a deer, damage from a tornado or hurricane and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, medical services and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for things like ambulance fees, rehabilitation expenses, pain medications, prosthetic devices and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers 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.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

This coverage pays for damage to your Sentra from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Saving money makes a lot of cents

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Throughout this article, we presented a lot of information how to compare 2012 Nissan Sentra insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding affordable car insurance. You may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, delays in responding to claim requests, high rates after DUI convictions and delays in paying claims. No matter why you want to switch, choosing a new company can be less work than you think.

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