2016 Nissan Sentra Car Insurance Rates

If online auto insurance comparisons are new to you, chances are good that you are confused due to the large selection local agents and online companies selling insurance.

It’s a good habit to price shop coverage every six months because auto insurance rates are variable and change quite frequently. Despite the fact that you may have had the best premium rates on Sentra insurance a few years ago the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because I’m going to teach you the right way to properly buy coverages and cut your premium.

Finding the best rates is quite easy. Essentially anyone who shops for auto insurance should be able to find lower rates. But drivers do need to learn how insurance companies determine prices because it can help you find the best coverage.

Cheapest car insurance quotes

The majority of larger companies make it easy to get coverage price quotes on the web. Getting online rates is pretty easy as you just enter the coverage amounts you desire as detailed in the form. Once you submit the form, their system gets your driving record and credit report and returns a price quote.

Online price estimates helps simplify price comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is a big time waster. But it’s necessary to compare as many rates as possible in order to get the lowest car insurance rates.

There is a better way!

A quicker way to find better car insurance pricing uses one form that analyzes rates from many companies. It saves time, eliminates form submissions, and makes online quotes a lot less work. As soon as you send your information, your coverage is rated and you are able to buy any of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To use this form to compare rates, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy deductibles and limits exactly as shown on your declarations page. This way, you will be getting comparison quotes based on identical coverages.

These discounts can lower your auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but you can get discounts to cut the cost considerably. A few discounts will be applied when you purchase, but occassionally some discounts must be specially asked for in order for you to get them.

  • Drive Less and Save – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • One Accident Forgiven – Not really a discount, but companies like State Farm and Progressive will allow you to have one accident before raising your premiums if you have no claims for a set time period.
  • No Claim Discounts – Claim-free drivers pay less when compared to accident-prone drivers.
  • Paperwork-free – Many companies will provide an incentive get car insurance digitally online.
  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.

Remember that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount should definitely cut your overall bill.

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

  • Progressive has savings for online signing, homeowner, multi-policy, good student, and online quote discount.
  • MetLife has discounts for defensive driver, claim-free, good student, good driver, accident-free, multi-policy
  • Mercury Insurance may include discounts for age of vehicle, multi-policy, accident-free, good driver, annual mileage, ease of repair, and good student.
  • Nationwide offers discounts including good student, multi-policy, business or organization, easy pay, accident-free, and anti-theft.
  • Geico may have discounts that include driver training, air bags, five-year accident-free, multi-vehicle, good student, daytime running lights, and anti-lock brakes.
  • AAA offers discounts for good driver, education and occupation, AAA membership discount, pay-in-full, multi-car, and anti-theft.

If you want inexpensive car insurance quotes, ask all the companies how you can save money. Some of the earlier mentioned discounts may not apply to policies in your area. To choose insurance companies that have a full spectrum of discounts, click here to view.

Different people need different auto insurance coverages

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions can aid in determining if you may require specific advice.

  • Am I missing any policy discounts?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need rental car coverage?
  • Can my teen drive my company car?
  • Should I carry comprehensive and collision coverage?
  • What happens if I owe more than my 2016 Nissan Sentra is worth?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Why your insurance prices might be higher

Lots of factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are not quite as obvious such as your credit history and annual miles driven.

Shown below are just a few of the factors that factor into your rate level.

  • Women pay lower prices – Over time, data shows females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Males and females get in auto accidents in similar percentages, but the males tend to have more serious accidents. Men also statistically get higher numbers of serious violations like DUI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Cars with good safety ratings mean better rates – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and fewer injuries translates directly to fewer claims and cheaper rates on your policy.
  • Prevent coverage lapses – Driving with no insurance is not a good idea and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Good drivers pay the best costs – Even a single chargable violation may cause rates to rise twenty percent or more. Attentive drivers have lower premiums compared to bad drivers. People who have multiple violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

The ad said I’d save $485 a year!

Big name companies like State Farm, Allstate and Geico seem to constantly run ads on TV and radio. All the ads try to convey promises that drivers will save a bundle if you just switch your coverage to them. It sounds good, but how can they all lower your prices? You have to listen carefully.

Companies have specific characteristics for the type of driver that earns them the highest profit. An example of a preferred risk might have to be over the age of 35, has a low-risk occupation, and drives a lower-performance vehicle. Any driver who matches those parameters is entitled to the best price and most likely will cut their rates if they switch.

Drivers who cannot meet these criteria will probably be forced to pay higher prices and the prospect going elsewhere. The trick companies use is to say “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently state the savings. Because of this risk profiling, you really need to compare many company’s prices. Because you cannot predict which insurance companies will be your best fit.

Car insurance 101

Having a good grasp of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like EMT expenses, dental work, prosthetic devices, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

This will pay to fix damage to your Sentra from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, rock chips in glass and damage from flooding. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This provides protection from damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like emergency aid, medical expenses and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Spend less. Save more.

We just showed you many ways to reduce 2016 Nissan Sentra insurance premium rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising.

Low-cost 2016 Nissan Sentra insurance is attainable both online in addition to local insurance agencies, so get free car insurance quotes from both of them in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and most of the time these smaller providers work with independent insurance agents.

When buying insurance coverage, never skimp on coverage in order to save money. In too many instances, an insured cut liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

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