2002 Nissan Sentra Car Insurance Quotes – 6 Ideas for Best Rates

Trying to find better auto insurance rates for your Nissan Sentra? Having to pay for overpriced Nissan Sentra insurance can dwindle your bank account and force you to prioritize other expenses. Comparison shopping is a smart way to tighten up your finances. Because you have many insurance companies to choose from, it is hard for the average consumer to locate the most affordable insurance company.

Consumers need to get comparison quotes occasionally because rates are rarely the same from one policy term to another. If you had the best price for Sentra insurance a couple years back there is a good chance you can find better rates now. Starting now, block out anything you think you know about auto insurance because I’m going to teach you the easiest way to find lower rates on auto insurance.

Compare the Market for Auto Insurance

Most companies such as Allstate, Geico and Progressive give insurance quotes online. Obtaining pricing doesn’t take much effort as you just type in your personal and coverage information as requested by the quote form. After you submit the form the system obtains reports for credit and driving violations and provides a quote. Being able to quote online simplifies rate comparisons, but the time it takes to visit many different websites and type in the same information is monotonous and tiresome. But it is imperative to perform this step in order to find a better rate.

Rate comparisons made easy

An easier way to get multiple rate quotes makes use of a single form that obtains quotes from multiple companies. The form is fast, requires much less work on your part, and makes price shopping online a little more enjoyable. As soon as the form is sent, it is quoted and you are able to buy any or none of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and may save quite a bit of money.

To use this form to compare rates, click here to open in new window and fill out the form. To compare your current rates, we recommend you type in the coverages identical to your current policy. This makes sure you will receive a price comparison based on similar coverages.

Save $417 a year? Really?

Drivers can’t ignore all the ads for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies make an identical promise that you’ll save big if you move your policy.

How do they all say the same thing? This is how they do it.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For example, a preferred risk might be profiled as between 25 and 40, has no driving citations, and has a high credit rating. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for this ideal profile will be quoted a higher premium which usually ends up with business not being written. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can claim big savings.

This emphasizes why drivers should get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Nissan Sentra insurance rates.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Most are applied when you complete an application, but some may not be applied and must be specifically requested before you will receive the discount. If you don’t get every credit possible, you are throwing money away.

  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Distant Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Sentra insurance.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Sentra insurance with select insurance companies.
  • Paperless Signup – A handful of insurance companies may give you up to $50 just for signing your application over the internet.

Keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings might not apply in your area.

Situations that might require an agent

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover whether you will benefit from professional help.

  • Where can I find DUI or SR-22 insurance?
  • Do I need more liability coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Are rock chip repairs covered?
  • Does car insurance cover theft of personal property?
  • At what point should I drop full coverage?
  • Do I need motorclub coverage?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2002 Nissan Sentra.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, hail damage, damage from flooding and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as surgery, ambulance fees, pain medications, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your Sentra resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, driving through your garage door, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

At the end of the day…

Cheaper 2002 Nissan Sentra insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced full coverage and found out when filing a claim 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.

Additional insurance coverage information is located at these links: