Compare 2006 Nissan Sentra Car Insurance Quotes

Sick and tired of trying to scrape together enough money to insure your Nissan every month? You are in the same boat as many other consumers.

Big companies like State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with ad campaigns and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

You should take the time to shop coverage around on a regular basis due to the fact that insurance rates change regularly. If you had the lowest price for Sentra insurance six months ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because I’m going to teach you the right way to save on auto insurance.

If you currently have car insurance, you will most likely be able to save some money using these tips. Choosing the best insurance company for you is not rocket science. But consumers can benefit by having an understanding of the way companies price online insurance and apply this information to your search.

Free Car Insurance Quotes

There are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find competitive 2006 Nissan Sentra insurance rates consists of shopping online. This can be done using a couple different methods.

  1. One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form eliminates the need for repetitive form entry for every car insurance company. A single form will return quotes from many national carriers.
  2. A harder way to shop for car insurance online consists of going to the website of each company to complete a price quote. For sake of this example, let’s say you want to compare rates from Geico, Progressive and Farmers. You would have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

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

  3. The most time-consuming method to get comparison rates is to spend time driving to and from local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. You can, however, get the lowest quotes online and still use a local agent and we’ll touch on that later.

Whichever method you choose, make darn sure you compare apples-to-apples coverages for every quote you compare. If your comparisons have mixed coverages it will be impossible to truly determine the lowest rate. Slightly different coverage limits can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes provides better odds of finding lower pricing.

Why your Nissan Sentra might be costing you more

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to big savings.

The list below includes a partial list of the pieces car insurance companies consider when setting prices.

  • Marriage brings a discount – Getting married actually saves money on your policy. Marriage is viewed as being more responsible and statistics show married drivers get in fewer accidents.
  • Frequent car insurance claims increase rates – Companies award better rates to policyholders who file claims infrequently. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Insurance coverage is designed for the large, substantial claims.
  • More miles equals more premium – The higher the mileage driven each year the more you will pay for car insurance. The majority of insurers apply a rate based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Sentra may be costing you. Ask your agent if your car insurance declarations sheet shows the correct usage for each vehicle.
  • Rural vs Urban Areas – Living in a rural area can be a good thing when talking about car insurance. Drivers in populated areas tend to have much more traffic and longer commute times. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
  • Bad driving skills means higher rates – Drivers with clean records receive lower rates than their less careful counterparts. Even a single speeding ticket may increase your cost twenty percent or more. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • Bump up deductibles to save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Nissan. Some examples of claims that would be covered could be collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Sentra insurance.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Nissan Sentra scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates on insurance for Sentra insurance.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Low Mileage – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

For a list of insurance companies with discount insurance rates, click here.

Insurance agents can help

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help highlight whether or not you might need professional guidance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need rental car coverage?
  • Is motorclub coverage worth it?
  • Are all vehicle passengers covered by medical payments coverage?
  • I don’t drive much so do I pay less?
  • Is my babysitter covered when using my vehicle?
  • Is upholstery damage covered by car insurance?
  • Can I rent a car in Mexico?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance policy coverages for a Nissan Sentra

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Collision protection

This pays for damage to your Sentra caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, scraping a guard rail, hitting a parking meter, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, 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

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for nursing services, hospital visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from flooding, a broken windshield, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Nissan Sentra.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. It does not 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 policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, emergency aid, legal defense fees and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Don’t break the bank

Cheaper 2006 Nissan Sentra insurance can be found from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at the best price.

We just covered some good ideas how to lower your insurance rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the lesser-known companies. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Even more information can be found at these sites: