2000 Nissan Sentra Insurance Quotes – 5 Ideas for Best Rates

Have you finally had enough of scraping nickels together to insure your Nissan every month? You’re in the same situation as most other vehicle owners.

Due to the large number of choices of insurance companies, it can be diffult for drivers to find the right insurance coverage provider.

The most recommended method to compare insurance rates in your area takes advantage of the fact all the major auto insurance companies allow for online access to give rate comparisons. The one thing you need to do is spend a couple of minutes providing details including the make and model of your vehicles, if you have a valid license, coverage limits, and whether you are single or married. Those rating factors is automatically sent to multiple companies and you will get price comparisons with very little delay.

Double check you’re getting these five premium-slashing discounts

Auto insurance companies don’t always list every possible discount very well, so we took the time to find a few of the more common and the more hidden credits that you can use to lower your rates.

  • One Accident Forgiven – Not a discount per se, but some insurance companies will let one accident slide without getting socked with a rate hike if you are claim-free before the accident.
  • Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the personal injury premium cost.
  • Responsible Driver Discounts – Accident-free drivers can save up to 40% or more on their car insurance quote on Sentra coverage than less cautious drivers.
  • Homeowners Savings – Just being a homeowner may trigger a policy discount on auto insurance since home ownership demonstrates responsibility.
  • Multiple Cars – Buying a policy with multiple cars on one policy qualifies for this discount.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

A few of the larger companies and some of the premium reductions they offer are shown below.

  • Farmers Insurance may offer discounts for alternative fuel, early shopping, distant student, pay in full, and mature driver.
  • State Farm offers discounts including student away at school, Drive Safe & Save, multiple autos, defensive driving training, good driver, passive restraint, and multiple policy.
  • Liberty Mutual offers discounts for good student, preferred payment discount, multi-policy, new graduate, safety features, new vehicle discount, and exclusive group savings.
  • MetLife discounts include accident-free, claim-free, good student, defensive driver, multi-policy, good driver
  • Progressive may include discounts for online signing, online quote discount, multi-vehicle, multi-policy, and continuous coverage.

When quoting, ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not be offered in your area.

Do I need special coverages?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • What can I do if my company denied a claim?
  • Do I have coverage when making deliveries for my home business?
  • What is the ISO rating for a 2000 Nissan Sentra?
  • Do I need roadside assistance coverage?
  • I don’t drive much so do I pay less?
  • What is covered by UM/UIM coverage?
  • Who is covered when they drive my 2000 Nissan Sentra?
  • Am I missing any policy discounts?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance policy coverages for a Nissan Sentra

Knowing the specifics of a car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses like chiropractic care, pain medications and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

This coverage covers damage to your Sentra from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, vandalism and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto liability

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

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as pain and suffering, repair bills for other people’s vehicles, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Make an honest buck

In this article, we presented some good ideas how to save on 2000 Nissan Sentra insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

The cheapest 2000 Nissan Sentra insurance is attainable both online and from local insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and these small, regional companies only sell coverage through independent agencies.

As you restructure your insurance plan, do not buy less coverage just to save a little money. Too many times, someone dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your goal is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.

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