2003 Nissan Sentra Car Insurance Rates – 6 Tricks for Cheapest Quotes

Buyers have many options when searching for affordable Nissan Sentra insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to make rate comparisons. There are both good and bad ways to buy car insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Nissan and obtain the cheapest rates either online or from local insurance agents.

Consumers need to take a look at other company’s rates quite often because insurance rates go up and down regularly. Just because you found the lowest price for Sentra coverage last year you can probably find a better price now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to eliminate unnecessary coverages and save money.

Vehicle Insurance Comparison

There are multiple methods to compare 2003 Nissan Sentra car insurance quotes, and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

All the larger companies enroll in a system that enables customers to enter their coverage request one time, and each participating company provides a quote based on that information. This eliminates the need for quotation requests to each individual car insurance company.

To enter your information into the quoting system, click here to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which carriers you will receive quotes from. So if you want to select from a list of companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using the exact same information on every quote you get. If you use different deductibles you can’t possibly make an equal comparison.

How to reduce Nissan Sentra insurance rates

Companies offering auto insurance don’t list all their discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.

A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

A partial list of companies that possibly offer some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. Savings might not apply in your area.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • What is PIP insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is there coverage for injuries to my pets?
  • Is my camper covered by my car insurance policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I have coverage if my license is suspended?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Do drivers who switch really save?

Drivers get pounded daily by advertisements that promise big savings by Progressive, Allstate and Geico. They all seem to make the same claim that you can save if you change to their company.

How do they all say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For instance, a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile receives the best rates and as a result will probably save when they switch companies.

Potential customers who fall outside the requirements will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can make those claims. This emphasizes why you absolutely need to get as many comparisons as possible. It’s not possible to predict which company will have the lowest Nissan Sentra insurance rates.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

This protects you from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees, medical services and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like ambulance fees, X-ray expenses, nursing services and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, falling objects, vandalism, hitting a deer and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

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

Collision coverage protects against things such as hitting a parking meter, driving through your garage door, rolling your car, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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 important protection for you and your family.

Quote more, save more

People who switch companies do it for a number of reasons such as high prices, denial of a claim, extreme rates for teen drivers and policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

Discount 2003 Nissan Sentra insurance can be found from both online companies as well as from independent agents, so you should compare both to have the best rate selection. Some car insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage and learned later that it was a big mistake. The aim is to get the best coverage possible at an affordable rate while still protecting your assets.

For more information, feel free to browse the resources below: