2000 Nissan Sentra Car Insurance Rates – 9 Policy Discounts

Having to pay for overpriced car insurance can take a big chunk out of your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to make sure you’re not throwing money away. With so many options, it is hard for the average consumer to pick the most affordable insurance company.

Smart consumers take time to compare prices at least once a year since rates are adjusted regularly by insurance companies. Just because you had the best deal on Sentra insurance a year ago you can probably find a better price now. You can find a lot of wrong information about car insurance online, so I’m going to show you some great ways to find affordable car insurance.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Drivers just need to know how to get comparison rates on the web.

Low Cost Car Insurance

Getting better 2000 Nissan Sentra car insurance pricing can be relatively painless. Drivers just need to take a few minutes comparing rate quotes online from several insurance companies. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This form prevents you from having to do separate forms for each company you want a rate for. Filling out one form will return price quotes from many national carriers.
  2. A less efficient way to find lower rates is spending the time to visit each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare rates from Allstate, Geico and Farmers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but be sure to compare the exact same quote information for each price quote. If the quotes have different deductibles it’s impossible to decipher which rate is best.

Discounts to lower Nissan Sentra insurance rates

Companies offering auto insurance don’t list all their discounts in a way that’s easy to find, so we break down some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • No Accidents – Good drivers with no accidents pay less when compared to frequent claim filers.
  • Good Student – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Drive Less and Save – Fewer annual miles on your Nissan could be rewarded with discounted rates on garaged vehicles.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Homeowners Savings – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies who might offer these benefits include:

Check with every prospective company which discounts you may be entitled to. Savings might not be offered everywhere.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help highlight whether you may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Is my nanny covered when driving my vehicle?
  • Can I drive in Mexico and have coverage?
  • Are rental cars covered under my policy?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate, Geico and Progressive. They all make the same claim that you’ll save big after switching your coverage to them.

How do they all claim to save you money?

All the different companies can use profiling for the driver that is profitable for them. A good example of a preferred risk could possibly be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A driver who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for the requirements will be quoted higher prices which leads to business not being written. The ads say “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can make the claims of big savings. This emphasizes why you absolutely need to get a wide range of price quotes. It’s impossible to know which car insurance company will have the lowest Nissan Sentra insurance rates.

Car insurance 101

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Liability coverages – Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. It does not 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. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as emergency aid, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for things like nursing services, doctor visits, X-ray expenses and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, rock chips in glass, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Uninsured and underinsured coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Sentra.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

At the end of the day…

We just presented a lot of information how to compare 2000 Nissan Sentra insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the lowest premiums are with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Progressive and Geico.

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Much more information about insurance coverage is located below: