2018 Nissan Sentra Insurance Cost

Trying to find cheaper auto insurance rates? Buyers have options when searching for the lowest priced Nissan Sentra insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to get rate quotes.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for a Nissan and get the cheapest rates either online or from local insurance agents.

If you are insured now or need new coverage, you will benefit by learning to find better prices while maximizing coverage. The purpose of this article is to familiarize you with how to get online quotes and some tips to save money. Consumers only need an understanding of the most efficient way to buy insurance on the web.

Lower-cost auto insurance quotes with discounts

Auto insurance companies do not list their entire list of discounts very well, so the next list breaks down some of the more common and also the lesser-known credits available to bring down your rates.

  • Low Mileage – Driving fewer miles may enable drivers to earn better auto insurancerates on cars that stay parked.
  • Responsible Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates on Sentra coverage compared to accident prone drivers.
  • Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your bill.
  • Paper-free Discount – A few larger online companies will give you a small discount for completing your application on the internet.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt could save 15% off the PIP or medical payment premium.
  • Buy New and Save – Buying a new car instead of a used car may earn a small discount since new model year vehicles have better safety ratings.
  • Theft Deterent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more.
  • Accident Forgiveness – but a handful of insurance companies may permit one accident without raising rates if your claims history is clear before the accident.
  • Driver Safety – Completing a course that instructs on driving safety may get you a small discount if you qualify.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts as much as 30%.

As is typical with insurance, some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and a selection of discounts are outlined below.

  • Geico offers discounts including emergency military deployment, anti-lock brakes, anti-theft, multi-vehicle, and five-year accident-free.
  • Auto-Owners Insurance has discounts for student away at school, air bags, anti-theft, paid in full, teen driver, multi-policy, and paperless.
  • American Family may have discounts that include air bags, good driver, early bird, accident-free, Steer into Savings, multi-vehicle, and good student.
  • Esurance offers discounts for homeowner, good student, defensive driver, online quote, good driver, online shopper, and anti-theft.
  • Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, multi-policy, online signing, and good student.
  • State Farm may include discounts for Steer Clear safe driver discount, passive restraint, good driver, driver’s education, good student, anti-theft, and Drive Safe & Save.
  • AAA discounts include AAA membership discount, multi-policy, good student, education and occupation, anti-theft, pay-in-full, and multi-car.

When quoting, ask every company which discounts can lower your rates. Some discounts listed above might not be available to policyholders everywhere. If you would like to choose from a list of providers with discount rates, click this link.

Lower the price of insurance coverage with these tips

A large part of saving on insurance coverage is knowing some of the elements that help determine the price you pay for insurance coverage. When you know what positively or negatively determines premiums, this enables you to make decisions that could help you find lower insurance coverage prices. Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are not quite as obvious such as whether you are married and annual miles driven.

The list below includes some of the things insurance coverage companies consider when setting your prices.

  • Physical damage deductibles – Your deductibles define how much you are required to pay if the claim is covered. Physical damage coverage, aka comp and collision, protects your car from damage. Examples of some claims that would be covered would be rearending another vehicle, collision with a deer, or theft of your vehicle. The higher the amount you pay before a claim is paid (deductible), the less your insurance coverage will be on Sentra coverage.
  • Deter theft and pay less – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • High premiums for youthful drivers – Older people are more responsible, cause fewer claims and accidents and receive fewer citations.Young drivers are statistically proven to get distracted easily behind the wheel so they pay higher insurance coverage rates.
  • Liability coverage limits are a factor – Your insurance coverage policy’s liability coverage will protect you in the event that you are ruled to be at fault for an accident. Your policy’s liability insurance provides legal defense coverage starting from day one. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine whether your personal situation may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when pulling a rental trailer?
  • I have a DUI can I still get coverage?
  • Can I afford to buy a different vehicle if my 2018 Nissan Sentra is totaled?
  • How can I force my company to pay a claim?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I drive in a foreign country?
  • Can I drive in Mexico and have coverage?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills like hospital visits, prosthetic devices, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance

This coverage pays to fix your vehicle from 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 claims like theft, rock chips in glass, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

Liability coverage provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

This will pay to fix damage to your Sentra resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Quote more. Save more.

When shopping online for insurance coverage, never skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best price and still be able to protect your assets.

Affordable 2018 Nissan Sentra insurance is attainable from both online companies and with local insurance agents, so get free car insurance quotes from both of them so you have a total pricing picture. Some companies may not provide online rate quotes and many times these regional carriers sell through local independent agents.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, denial of a claim, lack of trust in their agent or even high prices. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

Additional resources