Compare 1999 Nissan Sentra Insurance Cost

Finding affordable insurance can appear to be intimidating for consumers who are beginners to quoting and buying insurance on the web. With so many options of online companies available, how are consumers expected to possibly compare every insurance company to find the best available rates?

Cheaper insurance quotes with discounts

Insurance is easily one of your largest bills, but you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be requested specifically before being credited.

  • Drive Less and Save – Fewer annual miles on your Nissan may enable drivers to earn cheaper prices.
  • Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for Sentra insurance than their less cautious counterparts.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Multiple Vehicles – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
  • Data Collection Discounts – Insureds who allow driving data submission to analyze their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
  • Professional Organizations – Joining a professional or civic organization can get you a small discount on your next insurance statement.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy a life policy as well.
  • Sign Online – A handful of insurance companies give back up to $50 for buying your policy digitally online.

We need to note that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

Large insurance companies and their offered discounts are detailed below.

  • GEICO offers premium reductions for anti-theft, seat belt use, air bags, federal employee, and five-year accident-free.
  • Auto-Owners Insurance may have discounts that include anti-lock brakes, paperless, safe vehicle, student away at school, paid in full, good student, and safe driver.
  • American Family may offer discounts for defensive driver, accident-free, good driver, good student, air bags, Steer into Savings, and bundled insurance.
  • Esurance includes discounts for anti-lock brakes, online shopper, online quote, emergency road assistance, defensive driver, and good student.
  • Progressive has discounts for online quote discount, multi-policy, multi-vehicle, good student, and homeowner.
  • State Farm may include discounts for anti-theft, multiple policy, driver’s education, defensive driving training, and passive restraint.
  • AAA policyholders can earn discounts including multi-car, good student, multi-policy, anti-theft, education and occupation, AAA membership discount, and good driver.

Before you buy a policy, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not apply everywhere.

Compare free auto insurance price quotes

Comparing auto insurance rates can take time and effort if you don’t know the most efficient way to do it. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can stay home and use the internet to quickly compare rates.

The majority of car insurance companies enroll in a system that allows shoppers to complete one form, and each participating company then gives them pricing. This prevents consumers from doing quote requests to each individual auto insurance company.

To find out what other companies charge click to open in new window.

The only downside to using this type of system is buyers cannot specifically choose the companies you want pricing from. If you would rather choose individual companies to receive pricing from, we have a listing of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples information on every quote you get. If you have unequal deductibles or liability limits it will be very difficult to determine which company has the best rates. Just a small difference in limits could mean much higher rates. It’s important to know that comparing a wide range of rates will improve the odds of getting the best rates. Some companies don’t provide prices over the internet, so it’s recommended that you also compare quotes from those companies as well.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when driving a rental car?
  • What is the rate difference between pleasure use and commuting?
  • When should I remove comp and collision on my 1999 Nissan Sentra?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I have a DUI can I still get coverage?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy aids in choosing which coverages you need for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Sentra.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, vandalism, hail damage and damage from flooding. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This coverage covers damage to your Sentra caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as attorney fees, emergency aid, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage kick in for expenses for EMT expenses, doctor visits, dental work and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

In any little way, save everyday

Affordable 1999 Nissan Sentra insurance can be found online and with local insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some car insurance companies may not have online quoting and most of the time these smaller providers only sell coverage through local independent agencies.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are too many instances where someone sacrificed physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

We just presented some good ideas how you can get a better price on 1999 Nissan Sentra insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with a small local company.

Additional learning opportunities