Compare 2013 Nissan Sentra Car Insurance Cost

Trying to find lower insurance rates for your Nissan Sentra? Did you fall for a flashy sales pitch and buy overpriced insurance? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out.

There are many car insurance companies to pick from, and even though it’s nice to have a selection, it can be more difficult to compare rates and cut insurance costs.

Affordable insurance coverage quotes online

Shopping for lower insurance coverage rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking to agents in your area, or you could use the web to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace that allows shoppers to submit their information once, and each participating company can give them a price based on that data. This saves time by eliminating quotation requests to every company.

To participate in this free quote system, click to open in new window.

The only drawback to pricing coverage this way is you don’t know exactly the insurers you will receive quotes from. If you would rather choose individual companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, double check that you are using identical coverages for every company. If you have different liability limits you will not be able to get a fair rate comparison. Slightly different insurance coverages or limits could mean much higher rates. It’s important to know that comparing more rates from different companies helps improve the odds of finding the best rates.

More discounts mean cheaper premiums

Some insurance providers don’t always advertise every policy discount very well, so we took the time to find a few of the more common and the harder-to-find credits available to you.

Student Driver Training – Require your teen driver to enroll in driver’s education in school.
Employee of Federal Government – Active or former government employment can earn a discount up to 10% on Sentra insurance with select insurance companies.
Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with slightly better premium rates than normal.
Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
Distant College Student Discount – who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
Good Driver Discounts – Safe drivers can pay as much as 50% less on Sentra insurance than drivers with accident claims.

It’s important to note that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

If you would like to see a list of providers that provide some of the discounts listed above, click this link.

It’s not one size fits all

When choosing adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

How much liability insurance is required?
Is my state a no-fault state?
What discounts do I qualify for?
When should I buy a commercial auto policy?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Am I covered if hit by an uninsured driver?
Does coverage extend to my business vehicle?
What exactly is covered by my policy?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Car insurance 101

Understanding the coverages of car insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, doctor visits, ambulance fees, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Auto collision coverage

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

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability coverages

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, funeral expenses, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured 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 hospital bills for your injuries and also any damage incurred to your Nissan Sentra.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, fire damage and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.