1997 Nissan Sentra Insurance Quotes – 7 Savings Tips

Trying to find better insurance rates for your Nissan Sentra? Searching for better insurance prices for your Nissan Sentra can normally be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to buy insurance so we’re going to tell you the proper way to get price quotes on a Nissan and find the lowest possible price either online or from local insurance agents.

Take advantage of every insurance coverage discount

Companies don’t always publicize every possible discount very well, so the following list contains some of the best known and the more hidden credits available to you.

  • Drive Less and Save – Driving fewer miles could qualify for discounted insurance coveragerates on garaged vehicles.
  • Accident Waiver – Not necessarily a discount, but companies like State Farm and Progressive will let one accident slide without raising rates as long as you don’t have any claims for a set time period.
  • Telematics Discount – Insureds who allow their company to look at driving habits through the use of a telematics system such as Progressive’s Snapshot could save a few bucks if they show good driving skills.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Early Signing – A few larger companies give discounts for renewing your policy prior to your current policy expiring. You can save around 10% with this discount.
  • Discount for Multiple Policies – When you have multiple policies with the same company you could earn a discount of 10% to 20% off each policy.

As a sidenote, some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

The best insurance coverage companies and a summarized list of policyholder discounts can be found below.

  • State Farm may offer discounts for multiple autos, safe vehicle, driver’s education, passive restraint, accident-free, and defensive driving training.
  • GEICO discounts include seat belt use, emergency military deployment, defensive driver, air bags, anti-theft, and good student.
  • Liberty Mutual may have discounts that include exclusive group savings, safety features, new graduate, new move discount, preferred payment discount, and newly retired.
  • The Hartford has savings for bundle, air bag, vehicle fuel type, driver training, and defensive driver.
  • MetLife has discounts for claim-free, good driver, accident-free, multi-policy, good student, and defensive driver.
  • Progressive may include discounts for online signing, multi-vehicle, continuous coverage, online quote discount, homeowner, and multi-policy.

If you need affordable auto insurance quotes, ask each insurance company which discounts they offer. Some discounts listed above might not be offered on policies in your area. If you would like to choose from a list of insurance coverage companies with the best insurance coverage discounts, click here.

How to know if you need help

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out if you might need an agent’s assistance.

  • Where can I get insurance after a DUI in my state?
  • How high should my medical payments coverage be?
  • When do I need to add a new car to my policy?
  • Will filing a claim cost me more?
  • How much liability do I need to cover my assets?
  • Am I covered when delivering products for my home-based business?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance in the media

Consumers get pounded daily by advertisements for the lowest price car insurance from companies such as State Farm, GEICO and Progressive. They all advertise the message that you can save if you move your car insurance policy to them.

How is it possible that every company can charge you less for auto insurance? This is how they do it.

All companies have a certain “appetite” for the right customer that earns them the most money. An example of this type of driver should be between the ages of 30 and 45, has no tickets, and drives a lower-performance vehicle. Any person that hits that “sweet spot” may get the lowest auto insurance rates and most likely will save some money.

Drivers who do not meet the requirements will probably be forced to pay higher prices and the driver buying from a lower-cost company. The ads state “customers who switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can make those claims.

Because of these techniques, it’s extremely important to compare rate quotes every year. It’s not possible to predict the company that will fit you best based on your risk profile.

Insurance coverage options for a 1997 Nissan Sentra

Understanding the coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Auto liability

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like funeral expenses, repair bills for other people’s vehicles, structural damage, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, X-ray expenses and EMT expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision protection

This will pay to fix damage to your Sentra resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, hitting a mailbox, crashing into a building, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Take this to the bank

You just learned a lot of information how to lower your 1997 Nissan Sentra insurance prices. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the lowest prices are with a lesser-known regional company.

Some companies may not offer rates over the internet and many times these regional insurance providers only sell through independent insurance agents. Lower-priced 1997 Nissan Sentra insurance can be purchased from both online companies as well as from insurance agents, and you should be comparing both to have the best chance of lowering rates.

As you quote auto insurance, don’t be tempted to buy poor coverage just to save money. In many cases, drivers have reduced liability limits or collision coverage to discover at claim time that it was a big mistake. Your goal is to find the BEST coverage at an affordable rate, but do not skimp to save money.

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