Compare 1998 Nissan Sentra Car Insurance Quotes

Trying to find the cheapest insurance rates for your Nissan Sentra? Saving money on insurance can be hard for consumers not familiar with comparison shopping online. You have so many companies to choose from that it can be more work than you anticipated to locate the lowest price.

Finding the cheapest protection is simple if you know the tricks. Just about every vehicle owner who has to buy auto insurance stands a good chance to be able to find lower rates. But vehicle owners must know how the larger insurance companies market insurance on the web and use this information to your advantage.

How to Buy Insurance Online

Comparing insurance rates can take hours if you don’t understand the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use the internet for quick rates.

Most of the best insurance companies take part in a program that enables customers to enter their policy data once, and at least one company can give them a price based on that data. This prevents consumers from doing quote forms for every insurance company.

To get comparison pricing now click here to open in new window.

The one downside to using this type of form is you can’t choose which providers to receive prices from. So if you want to select specific insurance companies to compare, we have a listing of insurance companies in your area. Click here to view list.

However you get your quotes, make absolute certain that you use identical coverage limits on every quote. If you compare mixed coverages you can’t possibly determine which rate is truly the best. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing more company’s prices will increase your chances of finding the best offered rates.

Discounts are basically free money

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but some must be specifically requested before being credited.

  • Memberships – Participating in a qualifying organization could qualify you for a break on your policy on Sentra insurance.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums on Sentra insurance.
  • Sign Online – A handful of insurance companies give back up to $50 simply for signing on their website.
  • Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.

To see a list of insurers offering car insurance discounts, click here.

Which insurance is the “right” coverage?

When buying the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when using my vehicle for my home business?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when delivering products for my home-based business?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered by my spouse’s policy after a separation?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building, backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a bird, damage from getting keyed, hail damage and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability – Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, medical services and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1998 Nissan Sentra.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills like prosthetic devices, nursing services, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage