View 1998 Nissan Sentra Insurance Rates

Locating low-cost insurance for your Nissan Sentra could be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find insurance online so you’re going to learn the quickest way to compare rates for a Nissan and find the lowest possible price from both online companies and local agents.

If you have a current insurance policy or need a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Shopping for the lowest cost insurance can be fairly easy. Drivers just need to understand the best way to compare rates over the internet.

Insurance coverage discounts are available to reduce your rates

Companies offering auto insurance don’t always publicize every discount they offer very well, so below is a list both well-publicized as well as some of the hidden discounts that may be available. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Discount for Swiching Early – A few insurance coverage companies offer discounts for switching to them prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • Good Grades Discount – This discount can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • New Car Discount – Buying a new car instead of a used car can save up to 30% due to better safety requirements for new model year vehicles.
  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Accident Forgiveness Coverage – Not a discount per se, but some insurance companies may permit one accident without raising rates so long as you haven’t had any claims for a specific time period.
  • Government Employee Discount – Employees or retirees of the government can save as much as 8% on Sentra insurance with select insurance companies.
  • Driver Training Discounts – Taking time to complete a course in driver safety could earn you a small percentage discount and easily pay for the cost of the class.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Cautious Driver Discount – Insureds without accidents can save up to 40% or more on their insurance quote on Sentra insurance compared to rates paid by drivers with frequent claims.
  • Senior Citizen Rates – Seniors may qualify for reduced rates on Sentra insurance.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their offered discounts include:

  • Progressive offers discounts including online quote discount, multi-vehicle, continuous coverage, online signing, good student, and multi-policy.
  • MetLife discounts include defensive driver, good student, claim-free, good driver, accident-free, multi-policy
  • Mercury Insurance includes discounts for low natural disaster claims, good student, multi-policy, type of vehicle, and location of vehicle.
  • Nationwide offers discounts for defensive driving, business or organization, family plan, anti-theft, accident-free, multi-policy, and good student.
  • GEICO may offer discounts for membership and employees, five-year accident-free, federal employee, anti-theft, daytime running lights, and defensive driver.
  • AAA has discounts for good driver, multi-policy, education and occupation, AAA membership discount, good student, pay-in-full, and anti-theft.

When comparing rates, check with each company or agent which discounts can lower your rates. Discounts might not apply in your area. To see insurance coverage companies that have a full spectrum of discounts, click here.

The quickest method we recommend to compare rate quotes is to understand auto insurance companies actually pay money for the chance to quote your coverage. The only thing you need to do is give them some information including the make and model of your vehicles, driver ages, how much coverage you want, and your occupation. Your details is automatically sent to many different companies and you get price estimates immediately.

To check 1998 Nissan Sentra insurance prices now, click here and enter the information requested.

Everyone needs different auto insurance coverages

When choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Are my friends covered when driving my car?
  • When should I remove comp and collision on my 1998 Nissan Sentra?
  • What is the minimum liability in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need more liability coverage?
  • What is UM/UIM insurance?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Insurance policy coverages for a Nissan Sentra

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for doctor visits, EMT expenses, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage – This coverage will pay to fix damage to your Sentra caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, backing into a parked car, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Sentra.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, falling objects and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – This will cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, loss of income and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

More comparisons equals lower rates

Cheaper insurance can be found both online in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online price quotes and many times these smaller providers sell through local independent agencies.

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed full coverage only to discover later they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, denial of a claim, policy cancellation or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

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