2014 Nissan Sentra Car Insurance Quotes – 9 Tips for Best Rates

Searching for lower priced insurance on the web can be rather difficult for price shopping online. With such a big selection of agents and online companies available, how can people effectively compare all the different companies and get better insurance prices?

Consumers need to compare rates as often as possible because prices are usually higher with each renewal. Just because you found the best deal for Sentra insurance two years ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the web, but we’re going to give you a bunch of ideas how to quit paying high insurance rates.

The best way to get policy rate comparisons is to take advantage of the fact almost all companies pay for the opportunity to quote your coverage. The only thing you need to do is provide a little information like which vehicles you own, whether you are married, how much you drive, and your job. The rating information is instantly submitted to multiple top-rated companies and you will get price comparisons with very little delay.

To compare rates for your 2014 Nissan Sentra now, click here and enter your zip code.

Are you earning every discount?

Car insurance companies don’t list every discount they offer very well, so the following is a list of a few of the more well known as well as some of the hidden credits that may apply to you.

  • No Claim Discounts – Insureds who avoid accidents and claims can save substantially in comparison to insureds who have frequent claims or accidents.
  • Organization Discounts – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount when shopping for auto insurance.
  • Discount for Multiple Policies – If you combine your auto and home policies and insure them with the same company you may earn nearly 15% which can help you find cheap car insurance.
  • Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
  • Discounts for Good Drivers – Safe drivers could pay up to 40% less for Sentra insurance than drivers with accidents.
  • Early Switch Discount – Some larger companies give discounts for switching to them early. You may see this discount when you get car insurance quotes online.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
  • Discount for New Cars – Buying a new car model can save up to 30% compared to insuring an older model.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, insurance companies wouldn’t stay in business.

Large auto insurance companies and their possible discounts are outlined below.

  • Geico may include discounts for good student, emergency military deployment, defensive driver, anti-lock brakes, and military active duty.
  • Travelers offers discounts including hybrid/electric vehicle, multi-car, multi-policy, payment discounts, save driver, driver training, and early quote.
  • Farm Bureau may offer discounts for multi-vehicle, good student, renewal discount, multi-policy, 55 and retired, youthful driver, and safe driver.
  • Liberty Mutual policyholders can earn discounts including newly married, multi-policy, preferred payment discount, good student, and newly retired.
  • American Family offers premium reductions for good student, mySafetyValet, good driver, bundled insurance, defensive driver, accident-free, and TimeAway discount.
  • Progressive may have discounts that include online quote discount, multi-vehicle, continuous coverage, good student, multi-policy, online signing, and homeowner.

When comparing rates, check with all companies you are considering the best way to save money. Some discounts listed above may not be available in your area. For a list of auto insurance companies that offer many of these discounts, click this link.

When in doubt talk to an agent

When buying coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • What is PIP insurance?
  • Do I need rental car coverage?
  • Do I need roadside assistance coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • How do I buy GAP insurance?
  • What is the rate difference between pleasure use and commuting?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance companies are expert advertisers

Progressive, Geico, Allstate and State Farm continually stream ads on television and other media. They all seem to try to convey promises that drivers will save a bundle if you switch your car insurance coverage to their company. How does every company offer drivers better rates? Just pay attention to how they say it.

Many companies give the best rates for the right customer that will most likely be profitable. An example of a preferred risk might be between the ages of 40 and 55, has a low-risk occupation, and drives less than 10,000 miles a year. A propective insured that matches those criteria is entitled to the best price and is almost guaranteed to save a lot if they switch.

Drivers who do not fit the ideal profile may be required to pay higher rates and this can result in the customer not purchasing. The trick companies use is to say “drivers that switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully advertise the way they do. Each company has different criteria, so it’s extremely important to get car insurance quotes as often as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Auto insurance coverage information

Having a good grasp of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

This coverage covers damage to your Sentra from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, colliding with another moving vehicle, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, fire damage, vandalism, hail damage and a broken windshield. The highest amount 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills such as pain medications, X-ray expenses, nursing services, rehabilitation expenses and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Best coverage at the best price

Cost effective 2014 Nissan Sentra insurance can be sourced on the web and from local agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not have rate quotes online and usually these smaller companies provide coverage only through independent agents.

We’ve covered a lot of techniques to get a better price on 2014 Nissan Sentra insurance. The key thing to remember is the more companies you get prices for, the higher your chance of finding cheap car insurance. You may even discover the best premium rates are with the smaller companies.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.

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