Lower Your 2015 Nissan Sentra Insurance Rates

If you’re new to shopping for insurance coverage online, it’s easy to get confused because of the huge number of online companies offering insurance.

Policy discounts you shouldn’t miss

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked about before they will apply.

  • Accident Forgiveness – A handful of insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Low Mileage Discounts – Fewer annual miles on your Nissan can qualify you for better rates on cars that stay parked.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sentra coverage than drivers with accidents.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Club Memberships – Belonging to a professional or civic organization could trigger savings when buying insurance for Sentra coverage.
  • Multiple Cars – Having all your vehicles on the same insurance policy qualifies for this discount.
  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount due to the fact that maintaining a home requires personal responsibility.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

To see a list of insurance companies offering insurance discounts, click here to view.

Factors that can influence Nissan Sentra insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

  • Your spouse saves you money – Being married can actually save you money when buying car insurance. It is viewed as being more mature than a single person and statistics show married couples file fewer claims.
  • Frequent car insurance claims increase rates – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Low deductibles can be expensive – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Nissan from damage. Examples of covered claims are collision with another vehicle, vandalism, or theft. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The more money you’re willing to pay, the less your company will charge you for insurance for Sentra coverage.
  • With age comes lower rates – Older insureds are more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers tend to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Liability insurance protects assets – Liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. It provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. They both cause accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.

Insurance agents can help

When it comes to buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions might point out if your situation might need an agent’s assistance.

  • Is my camper covered by my car insurance policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I wreck a rental car?
  • Is my dog or cat covered if injured in an accident?
  • Do I benefit by insuring my home with the same company?
  • Can I afford low physical damage deductibles?
  • Do I need rental car coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I getting all the discounts available?
  • If my 2015 Nissan Sentra is totaled, can I afford another vehicle?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form.

Is there truth in advertising?

Car insurance providers like Allstate, Geico and Progressive regularly use ads on television and other media. They all say the same thing of big savings if you move your policy. How can each company say the same thing?

Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a driver they prefer might be profiled as over the age of 40, has no tickets, and has great credit. A propective insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when they switch companies.

Consumers who don’t measure up to this ideal profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save money. That is how companies can advertise the savings.

This emphasizes why it’s extremely important to get quotes from several different companies. Because you never know which company will have the lowest Nissan Sentra insurance rates.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, medical expenses and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, X-ray expenses and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

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

Collision can pay for things like hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from getting keyed, a broken windshield, rock chips in glass and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, 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. Normally these coverages are similar to your liability insurance amounts.

Saving money makes a lot of cents

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured dropped full coverage and learned later that they should have had better coverage. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

The cheapest 2015 Nissan Sentra insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Insureds leave their current company for any number of reasons including high prices, being labeled a high risk driver, questionable increases in premium or even delays in paying claims. No matter why you want to switch, switching companies is not as difficult as it may seem.

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