Save on 1995 Nissan Sentra Insurance Rates

Trying to find cheaper insurance rates for your Nissan Sentra? If you’re new to shopping for insurance quotes online, most likely you are confused thanks to the huge assortment of local and online companies vying for business.

How to get free auto insurance quotes online

To find inexpensive insurance quotes, there are several ways to get quotes from lots of auto insurance companies. The recommended way to lower the rate you pay for 1995 Nissan Sentra insurance is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms for every auto insurance company. One simple form gets you coverage quotes from multiple low-cost companies. Just one form and you’re done.

A slightly less efficient method to get quotes online requires a visit to each individual company website and repeat the quote process. For examples sake, let’s assume you want to compare prices for USAA, Safeco and Liberty Mutual. To get rate quotes you would need to visit each site and type in your information over and over, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

The least recommended method to find lower rates is physically going to different agent offices. The fact that you can get quotes online makes this process obsolete unless you want the extra assistance that you can only get from talking to an agent. Although, it is possible obtain prices from the web and still use a local agent.

Compare rates however you want, just make darn sure you compare identical coverage information for each quote you get. If you are comparing different data it will be impossible to decipher which rate is best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just remember that quoting more helps you find the best offered rates.

More affordable rates by applying discounts

Some insurance providers do not advertise all their discounts very well, so the below list has a few of the more well known as well as some of the hidden ways to save on insurance coverage.

College Student Discount – College-age children who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
Waiver for an Accident – Not a discount per se, but certain companies may permit one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.
Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
Good Grades Discount – 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 driver course can save you 5% or more if you qualify.
Discount for New Cars – Insuring a vehicle that is new is cheaper due to better safety requirements for new model year vehicles.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount will definitely lower your overall bill.

A few popular companies and some of the discounts can be read below.

AAA offers premium reductions for good student, pay-in-full, multi-policy, AAA membership discount, anti-theft, good driver, and multi-car.
Progressive includes discounts for multi-policy, online signing, good student, online quote discount, homeowner, multi-vehicle, and continuous coverage.
State Farm may offer discounts for defensive driving training, Drive Safe & Save, multiple autos, student away at school, Steer Clear safe driver discount, accident-free, and driver’s education.
Esurance may include discounts for Switch & Save, multi-car, online quote, Pac-12 alumni, and anti-lock brakes.
Nationwide offers discounts including accident-free, family plan, defensive driving, anti-theft, business or organization, good student, and Farm Bureau membership.

If you want the cheapest insurance quotes, ask each insurance company to give you their best rates. Discounts might not apply everywhere.

Your auto insurance coverage should be tailored to you

When it comes to buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation will benefit from professional help.

Is business property covered if stolen from my car?
What is high-risk coverage and where do I buy it?
Is borrowed equipment or tools covered if stolen or damaged?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Does having multiple vehicles earn me a discount?
What is roadside assistance coverage?
Is there coverage for injuries to my pets?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, backing into a parked car, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like funeral costs, ambulance fees, hospital visits, pain medications and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use 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 structural damage, legal defense fees and pain and suffering. How much coverage you buy is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1995 Nissan Sentra.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.