View 2015 Nissan Sentra Insurance Quotes

Finding the cheapest insurance for a new or used Nissan Sentra could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to find auto insurance online and we’ll show you the quickest way to price shop coverage for a Nissan and locate the lowest possible price from both online companies and local agents.

If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay while maintaining coverages. Pricing the cheapest coverage is quite easy. Vehicle owners only need an understanding of the most effective way to compare company rates over the internet.

Use discounts to get cheaper car insurance rates

Car insurance is not inexpensive, but there’s a good chance there are discounts that may help make it more affordable. Larger premium reductions will be automatically applied at the time of quoting, but once in a while a discount must be specifically requested before being credited.

  • Theft Deterent Discount – Cars and trucks with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Mature Driver Discount – Seniors could receive a small decrease in premiums on Sentra coverage.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • E-sign – Many companies may give you up to $50 for buying a policy and signing up over the internet.
  • Homeowners Pay Less – Simply owning a home can save a few bucks because maintaining a house requires a higher level of personal finance.
  • College Student Discount – Youth drivers who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
  • Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you could save as much as 10 to 15 percent.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, that’s just not realistic.

A few of the larger companies and some of their more popular discounts include:

  • 21st Century discounts include student driver, air bags, 55 and older, early bird, theft prevention, teen driver, and automatic seat belts.
  • Progressive may offer discounts for continuous coverage, online signing, multi-policy, homeowner, multi-vehicle, and good student.
  • State Farm offers premium reductions for Steer Clear safe driver discount, good driver, driver’s education, good student, and passive restraint.
  • Nationwide has discounts for multi-policy, family plan, anti-theft, accident-free, and defensive driving.
  • Esurance includes discounts for Switch & Save, DriveSense, anti-theft, multi-policy, defensive driver, Pac-12 alumni, and emergency road assistance.
  • The Hartford may include discounts for bundle, vehicle fuel type, anti-theft, air bag, good student, and defensive driver.

Before purchasing a policy, check with each company which discounts you qualify for. Savings may not apply to policyholders in your area. For a list of companies who offer cheap car insurance quotes, click here.

Five tips to get lower-cost insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of the factors that aid in calculating your premiums. If you have some idea of what influences your rates, this allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Insurance rates and driver gender – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women get in auto accidents in similar numbers, but men cause more damage. Not only are claims higher, but men have more aggressive citations such as reckless driving.
  • Cheaper rates by consolidating – The majority of companies provide lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even if you’re getting this discount you may still want to compare rates to verify if the discount is saving money.There is a good possibility that you can find better rates by splitting coverages up.
  • High policy claims frequency drives up insurance coverage rates – Auto insurance companies award better rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of larger claims.
  • Youthful drivers pay higher prices – More experienced drivers have been proven to be more responsible, are lower risk to insure and receive fewer citations.Teen drivers are statistically proven to be more careless with other occupants in the car therefore insurance coverage rates are much higher.
  • lapses raise rates – Driving your car without having proper coverage is not a good idea and as a result your rates will increase for letting your insurance coverage expire. In addition to paying higher rates, getting caught without coverage might get you a hefty fine and possibly a revoked license. You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I pay less for low miles?
  • Do I have coverage when using my vehicle for my home business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why do I need rental car insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability insurance – Liability insurance protects you from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as medical services, medical expenses, funeral expenses, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, prosthetic devices, chiropractic care, hospital visits and rehabilitation expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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 important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, hitting a deer, hitting a bird and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Sentra from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, scraping a guard rail, rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Buy Smart and Save

Insureds who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, questionable increases in premium and denial of a claim. It doesn’t matter what your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

Affordable 2015 Nissan Sentra insurance is available from both online companies and with local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who may not have rate quotes online and many times these smaller providers only sell coverage through independent agencies.

To learn more, feel free to browse the resources below: