2001 Nissan Sentra Insurance Rates

Buyers have a choice when searching for the lowest priced Nissan Sentra insurance. They can either spend hours contacting agents getting price quotes or use the internet to find the lowest rates.

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

It’s a good idea to price shop coverage once or twice a year because insurance prices go up and down regularly. Even if you got the lowest price on Sentra coverage a year ago you will most likely find a better rate quote today. There is too much inaccurate information about insurance online but in this article, you’re going to get some good information on how to reduce your insurance bill.

Low cost auto insurance prices

There are a lot of ways you can shop for auto insurance but one way is easier and takes less work. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and at least one company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions to each company. To access this free quoting program, click here to open in new window.

The one disadvantage to doing it this way is you are unable to specify which providers to get quotes from. So if you want to select specific providers to compare prices, we have a page of low cost auto insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use exactly the same deductibles and coverage limits on every quote. If you enter differing limits it’s not possible to determine which company has the best rates.

Lower rates by qualifying for discounts

Companies offering auto insurance do not advertise every discount they offer very clearly, so we break down some of the more common in addition to some of the lesser obvious credits available to you.

  • Include Life Insurance and Save – Insurance companies who offer life insurance give better prices if you take out life insurance.
  • College Student – College-age children who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save a little off the PIP or medical payment premium.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education in school.
  • Telematics Data Discounts – People who choose to allow driving data submission to look at driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
  • Good Student – This discount can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Sentra coverage with a few insurance coverage companies.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will bring down your insurance coverage premiums.

A few of the larger companies and their offered discounts can be read below.

  • State Farm policyholders can earn discounts including good driver, safe vehicle, defensive driving training, Drive Safe & Save, multiple policy, student away at school, and good student.
  • Progressive has savings for continuous coverage, multi-policy, online signing, homeowner, online quote discount, good student, and multi-vehicle.
  • Travelers may include discounts for continuous insurance, student away at school, multi-policy, home ownership, save driver, and driver training.
  • American Family may have discounts that include Steer into Savings, TimeAway discount, multi-vehicle, mySafetyValet, and defensive driver.
  • Liberty Mutual offers premium reductions for multi-policy, exclusive group savings, hybrid vehicle, safety features, and newly retired.

It’s a good idea to ask all companies you are considering to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your area. To see a list of providers that can offer you the previously mentioned discounts, click this link.

Nissan Sentra insurance cost factors

It’s important that you understand some of the factors that help calculate your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that can help you get lower car insurance prices. Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving record, although others are more transparent such as your credit history or how financially stable you are.

  • Do you qualify for a multi-policy discount? – Most companies give discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. The discount can be ten percent or more. Even though this discount sounds good, consumers should still compare other insurance prices to verify if the discount is saving money.
  • Deter car thieves – Choosing a vehicle with a theft deterrent system can get you a discount on your car insurance. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Careless drivers pay higher prices – Drivers with clean records pay lower auto insurance prices as compared to those with violations. Only having one ticket can bump up the cost substantially. Drivers who have received severe violations like DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
  • Vehicles with better crash test results means cheaper insurance – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Do you save by driving less? – The higher the mileage driven in a year the more you will pay for car insurance. A lot of companies calculate prices based upon how much you drive. Cars and trucks left parked in the garage can be on a lower rate level than cars that get driven a lot. Improper usage on your Sentra is just wasting money. Verify your declarations sheet shows the correct driver usage.
  • Rural vs Urban Areas – Choosing to live in a rural area can save you money when insuring your vehicles. Drivers who live in large cities regularly have traffic congestion and longer commutes to work. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates.
  • Too many claims will drive car insurance rates up – Auto insurance companies generally give discounts to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of larger claims.
  • Gender impacts prices – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean females are better drivers. Females and males get in accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males are several times more likely to be in an accident so it costs more to insure them.

Auto insurance is unique, just like you

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover if you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy pay for OEM or aftermarket parts?
  • When should my teen driver be added to my policy?
  • Are rental cars covered under my policy?
  • Should I buy more coverage than the required minimum liability coverage?
  • When would I need rental car insurance?
  • Is my teen driver covered when they drive my company car?
  • How can I get high-risk coverage after a DUI?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your insurance policy

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hitting a bird, falling objects, damage from flooding and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, attorney fees, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses for EMT expenses, doctor visits and pain medications. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Sentra resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Summing up your insurance coverage search

Some companies do not offer internet price quotes and usually these smaller companies prefer to sell through local independent agencies. More affordable insurance coverage can be bought online as well as from independent agents, so you should compare both in order to have the best chance of saving money.

When getting auto insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest cost, but don’t skip important coverages to save money.

Consumers switch companies for a variety of reasons including an unsatisfactory settlement offer, unfair underwriting practices, high prices or lack of trust in their agent. Whatever your reason, finding a new insurance coverage company is easier than you think.

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