How Much Does 2002 Nissan Sentra Insurance Cost?

Trying to find the cheapest insurance coverage rates for your Nissan Sentra? Searching for the cheapest insurance for a new or used Nissan Sentra can be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find insurance coverage online so we’re going to tell you the best way to price shop coverage for a new or used Nissan and locate the lowest possible price either online or from local insurance agents.

It’s a great practice to check insurance coverage prices quite often since insurance prices fluctuate regularly. Just because you had the lowest price for Sentra coverage a year ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re going to learn the quickest way to save money, get proper coverage and the best rates.

Earn discounts on auto insurance

Some providers don’t always publicize all available discounts in a way that’s easy to find, so below is a list some of the best known and the harder-to-find auto insurance savings.

  • Federal Employees – Active or former government employment can save as much as 8% for Sentra coverage with some auto insurance companies.
  • Distant Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts may get savings of 20% or more.
  • Active Service Discounts – Having a family member in the military could be rewarded with lower rates.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to individual premiums such as medical payments or collision. So when it seems like you can get free auto insurance, you aren’t that lucky.

Auto insurance companies that possibly offer these money-saving discounts include:

Before purchasing a policy, check with each insurance company how you can save money. Some discounts may not apply to policyholders in your state. If you would like to see a list of insurers that have a full spectrum of discounts, click here.

Compare auto insurance quotes

Performing a rate comparison can take time and effort if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day driving to insurance companies in your area, or you can stay home and use the internet for quick rates.

Most car insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and every company then returns a price quote based on the submitted data. This system prevents you from having to do quotation requests for each company. To submit your quote information now, click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose the providers to get quotes from. So if you want to choose individual companies to request quotes from, we put together a list of low cost auto insurance companies in your area. Click here to view list.

Whichever way you use, make darn sure you compare the same coverage limits and deductibles with each company. If you compare differing limits it will be nearly impossible to determine which company has the best rates.

The Nissan Sentra insurance rate equation

When buying car insurance it’s important to understand the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively impacts premium levels, this enables informed choices that may reward you with big savings.

The factors shown below are some of the items that factor into prices.

  • Put fewer miles on your vehicle – Driving a lot of miles annually the more you’ll pay to insure it. Almost all companies apply a rate based on their usage. Vehicles left parked in the garage can get a lower rate than cars that get driven a lot. Having an incorrect usage rating on your Sentra may be wasting your money. Double check that your car insurance coverage correctly shows the correct driver usage.
  • Never let your car insurance lapse – Not having insurance can get you a ticket and your next policy will cost more because you let your insurance lapse for non-payment. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you a license revocation or jail time.
  • Little extras can really add up – Insurance policies have a lot of extra bells and whistles that may not really be needed if you don’t pay attention. Coverage for things like roadside assistance, death and dismemberment, and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Accidents mean higher prices – How you drive has a huge affect on how much you pay. Just one citation may cause rates to rise by as much as thirty percent. Attentive drivers pay less for auto insurance compared to drivers with tickets. Drivers unfortunate enough to have flagrant violations such as DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state DMV in order to legally drive.

Tailor your insurance coverage to you

When choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation might need professional guidance.

  • Do I need higher collision deductibles?
  • When should I remove comp and collision on my 2002 Nissan Sentra?
  • Do I need more liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision insurance

Collision insurance will pay to fix damage to your Sentra resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, damaging your car on a curb, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hitting a bird, damage from a tornado or hurricane and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, EMT expenses, dental work, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This coverage provides protection from injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different 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 a $25,000 limit per person for 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. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, attorney fees, loss of income, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

And the best car insurance company is…

Consumers switch companies for a number of reasons such as high prices, not issuing a premium refund, high rates after DUI convictions or delays in responding to claim requests. Regardless of your reason for switching companies, finding a new car insurance company is pretty easy and you might even save some money in the process.

The cheapest 2002 Nissan Sentra insurance is attainable both online as well as from insurance agents, so you need to shop car insurance with both to have the best selection. Some insurance providers may not offer online price quotes and these regional carriers sell through independent insurance agents.

Throughout this article, we presented a lot of techniques to shop for 2002 Nissan Sentra insurance online. The key thing to remember is the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the best premium rates are with some of the lesser-known companies.

More detailed car insurance information is available by following these links: