1999 Nissan Sentra Insurance Quotes

Expensive car insurance can dwindle your checking account and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rates possible.

Vehicle Insurance Comparison

There are several ways to compare Nissan Sentra insurance coverage prices but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use online quoting to get the quickest rates.

Many of the larger companies participate in an industry program that enables customers to complete one form, and every company then returns a price quote based on the submitted data. This system prevents you from having to do quotation requests for each company.

To compare pricing click here to open in new window.

The one downside to pricing coverage this way is you are unable to specify which providers you want pricing from. So if you want to select specific providers to compare prices, we have a page of low cost insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare exactly the same deductibles and coverage limits for every quote you compare. If you use mixed coverages it will be next to impossible to determine which rate is truly the best. Having just a slight variation in coverages could mean much higher rates. Just remember that quoting more will enable you to find the best rates.

Save on Nissan Sentra insurance

Companies don’t always list all available discounts in an easy-to-find place, so we break down some of the best known and the more hidden auto insurance savings.

  • College Student – Children living away from home attending college without a vehicle on campus may qualify for this discount.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
  • Good Students Pay Less – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Claim Free – Good drivers with no accidents can save substantially as compared to bad drivers.
  • Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates when buying auto insurance for Sentra insurance.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of providers who offer auto insurance discounts, click this link.

Tailor your coverage to you

When buying proper insurance coverage, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight if you will benefit from professional help.

  • Who is covered when they drive my 1999 Nissan Sentra?
  • Should I get collision insurance on every vehicle?
  • How can I get high-risk coverage after a DUI?
  • Is my dog or cat covered if injured in an accident?
  • Should I buy additional glass protection?
  • Do I need roadside assistance coverage?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Collision coverage

Collision insurance will pay to fix damage to your Sentra resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, hitting a mailbox, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses like pain medications, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a deer and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover 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 commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair bills for other people’s vehicles, bail bonds, emergency aid, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Buy online or local, you save

We just showed you some good ideas how you can shop for 1999 Nissan Sentra insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small mutual company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Discount insurance is possible both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

Helpful resources