Cheaper 2017 Nissan Sentra Insurance Quotes

Searching for better auto insurance rates for your Nissan Sentra? Locating better insurance prices for a Nissan Sentra can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to find auto insurance online so you’re going to learn the best way to get price quotes for a new or used Nissan and get the lowest possible price.

You should make it a habit to do rate comparisons at least once a year since insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal for Sentra coverage at your last renewal other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to teach you the proper way to reduce your cost while increasing coverage.

Discounts for lower-cost insurance coverage rates

Some insurance providers do not list the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more well known and the harder-to-find discounts that you can inquire about if you buy car insurance online.

  • Low Miles Discount – Fewer annual miles on your Nissan may enable drivers to earn slightly better rates than normal.
  • Government Employee Discount – Federal government employees can earn a discount up to 10% for Sentra coverage depending on your insurance coverage provider.
  • Onboard Data Collection – Drivers that enable their insurance company to monitor their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they are good drivers.
  • Multiple Policy Discount – If you combine your homeowners and auto policies with one company you could get a discount of up to 20% off your total premium.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Air Bag Discount – Vehicles with factory air bags may get savings of up to 25% or more.
  • Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Student in College – Youth drivers who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
  • Discount for Home Ownership – Just owning your own home can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
  • New Vehicle Savings – Buying a new car model can cost up to 25% less compared to insuring an older model.

As a sidenote, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So even though you would think all the discounts add up to a free policy, you’re out of luck.

Car insurance companies that may offer quotes with these money-saving discounts include:

If you want cheap car insurance quotes, ask every company how many discounts you can get. Some of the earlier mentioned discounts may not apply in your area. To locate providers with discount rates, click here.

How to lower your car insurance cost

Most companies such as Geico, State Farm and Progressive provide coverage prices from their websites. Obtaining pricing is possible for anyone as you just enter the amount of coverage you want on the page. After the form is submitted, their quoting system will order your driving record and credit report and returns a price.

Online price estimates helps simplify price comparisons, but the work required to visit each company’s website and repetitively complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to do this in order to get better prices.

There is an easier way!

A better way to locate the lowest prices is to use a quote form that gets prices from several companies at one time. This type of form saves time, eliminates form submissions, and makes price shopping online much easier. After sending your information, it is rated and you are able to buy your choice of the returned quotes. If you find a better price you simply finish the application and purchase coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

To find out how much you can save on car insurance, click here and submit the form. If you have coverage now, it’s recommended you copy coverages and limits as close as possible to your current policy. This ensures you are getting comparison quotes for the exact same coverage.

Informed consumers save on insurance

Consumers need to have an understanding of some of the elements that play a part in calculating your auto insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with cheaper rates.

  • Your car’s features help determine auto insurance rates – Buying a car with anti-theft technology or alarm system can save you some money. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.
  • Driving citations hurt – Having a clean driving record impacts premiums far more than you think. Getting just one ticket may increase your cost substantially. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers unfortunate enough to have careless citations like hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with the DMV in their state in order to legally drive.
  • Safety ratings are a factor – Safe vehicles cost less to insure. Safe vehicles have better occupant injury protection and reduced instances of injuries translates into savings for insurance companies and lower rates for you. If your Nissan Sentra scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Urban residents pay more – Being located in small towns and rural areas can be a good thing when it comes to auto insurance. People in densly populated areas have more auto accidents and much longer commute distances. Fewer drivers means fewer accidents in addition to lower liability claims
  • Pleasure use or commuting – The higher the mileage driven annually the more you’ll pay to insure it. Most companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use cost less to insure than those that get driven frequently. It’s a good idea to make sure your policy shows the proper vehicle usage. An incorrectly rated Sentra may be costing you higher rates.
  • A auto insurance policy lapse can increase premiums – Driving your car without having proper coverage can get you a ticket and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

For example, these questions may help highlight whether or not you may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much liability insurance is required?
  • I have a DUI can I still get coverage?
  • Can I get a multi-policy discount?
  • When should I not file a claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my 2017 Nissan Sentra covered for smoke damage?
  • Do I benefit by insuring my home with the same company?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage specifics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like chiropractic care, dental work, pain medications and ambulance fees. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Sentra resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical expenses, bail bonds, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a bird and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

You can do this!

Cheaper insurance coverage can be purchased from both online companies and from local insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance coverage companies do not provide the ability to get quotes online and these small insurance companies work with independent agents.

We just presented a lot of tips how to compare 2017 Nissan Sentra insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest prices come from a small mutual company.

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, denial of a claim and poor customer service. Regardless of your reason, switching companies is easier than you think.

More tips and info about insurance coverage is located at these sites: