Cheap 2014 Nissan Sentra Insurance Quotes

Want better insurance coverage rates? Drivers have many options when trying to find the best price on Nissan Sentra insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to find the lowest rates.

There is a right way and a wrong way to compare insurance coverage rates and you need to know the best way to get price quotes for your Nissan and obtain the cheapest rates.

Consumers should take time to check insurance coverage prices before your policy renews due to the fact that insurance rates are variable and change quite frequently. Even if you got the best rates on Sentra coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use the internet to buy cheaper insurance coverage.

The easiest way to get policy rate comparisons is to realize most of the bigger providers will pay a fee to give rate comparisons. The one thing you need to do is provide a little information including how old drivers are, which vehicles you own, if the vehicle is leased, and how much school you completed. Your information is submitted instantly to many highly-rated insurers and they provide comparison quotes instantly to find the best rate.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but there are discounts available to cut the cost considerably. Certain discounts will be applied when you complete an application, but some may not be applied and must be specially asked for before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Sentra coverage depending on your company.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Sentra coverage.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.

It’s important to understand that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will reduce the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts, follow this link.

Nissan Sentra insurance premiums are calculated by many factors

Smart consumers have a good feel for the factors that help determine car insurance rates. Knowing what determines base rates enables informed choices that will entitle you to big savings.

The following are a few of the “ingredients” car insurance companies consider when setting prices.

  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a guaranteed way to pay more for car insurance. And not only will your rates increase, but being ticketed for driving with no insurance will get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Where you live is a factor – Being located in less populated areas can save you money when talking about car insurance. City drivers tend to have traffic congestion and much longer commute distances. Lower population means fewer accidents.
  • Do you need the policy add-ons? – There are a lot of extra coverages that can waste your money on your car insurance policy. Coverages like personal injury protection, accident forgiveness and membership fees are some examples. They may seem good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and thus lower rates. If the Nissan Sentra is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Do you have enough liability coverage? – Liability insurance is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • An active claims history can cost you – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance companies give lower rates to policyholders who file claims infrequently. Car insurance is meant to be used in the event of major claims that would cause financial hardship.

Your coverage should be tailored to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is rental equipment covered for theft or damage?
  • What happens if I owe more than my 2014 Nissan Sentra is worth?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Advertising myths

Drivers constantly see and hear ads that promise big savings from the likes of Allstate and Progressive. All the companies make the same claim that you’ll save big if you move your coverage to them.

How does each company say the same thing?

Insurance companies have a certain “appetite” for the type of customer that makes them money. For instance, a desirable insured could be between the ages of 40 and 55, a clean driving record, and drives less than 7,500 miles a year. Any driver who matches those parameters will get very good rates and most likely will cut their rates substantially.

Potential customers who don’t meet these standards will be quoted more money and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that much. This is how insurance companies can confidently make the claims of big savings.

This emphasizes why you should compare as many rates as you can. It’s impossible to know which insurance companies will fit your personal profile best.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses such as nursing services, rehabilitation expenses, X-ray expenses, prosthetic devices and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist 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 Nissan Sentra.

Since 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 a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive car insurance

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a deer, fire damage and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

This can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services, structural damage, legal defense fees and court costs. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Sentra caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, rolling your car, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

More quotes. Lower rates.

When you buy insurance online, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Cheaper 2014 Nissan Sentra insurance is possible both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

In this article, we presented a lot of techniques to save on insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from the least-expected company.

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