Compare 2005 Nissan Sentra Insurance Quotes

Comparing and finding low cost prices for car insurance can be slightly frustrating for drivers who have little experience comparison shopping online. Drivers have so many companies to choose from that it can easily become more work than you anticipated to find better rates.

You should make it a habit to do price comparisons quite often since insurance rates are adjusted regularly by insurance companies. Just because you found the best rate on Sentra coverage a year ago you can probably find a better price now. Forget all the misinformation about car insurance because we’re going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Don’t miss these money-saving discounts

Some insurance providers don’t always publicize their entire list of discounts very clearly, so here is a list some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance coverage online.

  • Multiple Vehicles – Drivers who insure more than one vehicle with one company could earn a price break for each car.
  • Military Rewards – Being deployed in the military could mean lower prices.
  • Anti-lock Brake System – Cars with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • No Accidents – Claim-free drivers get the best auto insurance rates as opposed to frequent claim filers.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
  • Distant Student Discount – Any of your kids who are attending college and leave their car at home could get you a discount.
  • Switch and Save Discount – A few larger companies offer discounts for renewing your policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
  • Air Bag Discount – Cars that have air bags could see savings of 20% or more.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

Companies that may offer most of the discounts above include:

If you are trying to find inexpensive insurance coverage quotes, ask each company which discounts can lower your rates. Savings may not be offered in your area. If you would like to choose from a list of companies who offer auto insurance discounts, click this link.

Where can I get low cost insurance?

To find more affordable rates, there are a couple of ways of comparing rate quotes from many insurance companies in your state. The easiest way to lower the rate you pay for Nissan Sentra insurance is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form prevents you from having to do multiple quote forms for every prospective company. Filling out one form will get you rate comparisons from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to analyze rates requires a visit to the website for each individual company and repeat the quote process again and again. For example, we’ll assume you want to view quotes from Progressive, State Farm and American Family. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The last way to compare price quotes to all the different insurance agencies. Quoting online reduces the need to sit down with an agent unless you have a complicated situation and need the professional abilities that only an agent can give. Drivers can comparison shop online but buy the policy through an agent.

How you compare quotes is your choice, just make darn sure you compare identical coverage limits and deductibles for each quote you get. If each company quotes mixed coverages it’s not possible to decipher which rate is best. Just slight variations in limits can make a big difference in price. And when comparing insurance rates, know that comparing a large number of companies will enable you to find the best price.

Learn how to lower your insurance prices

An important part of buying insurance is that you know the different types of things that play a part in calculating your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that could help you find better car insurance rates. Many different elements are used when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure like where you live or how financially stable you are.

Shown below are some of the most rate-impacting factors utilized by car insurance companies to help set rates.

  • Gender and auto insurance – Over the last 50 years, statistics have shown that women are safer drivers than men. However, don’t assume that men are worse drivers. Women and men cause at-fault accidents at a similar rate, but guys get into accidents with more damage. They also get higher numbers of serious violations like DUI and reckless driving.
  • You might want pay the inexpensive claims yourself – If you frequently file small claims, you should expect either policy cancellation or increased premiums. Car insurance companies give the best rates to insureds who are not frequent claim filers. Auto insurance is intended for claims that pose a financial burden.
  • Credit rating impacts premium premiums – An insured’s credit score is likely to be a major factor in calculating your car insurance rates. Insureds that have very good credit scores tend to file fewer claims than those with bad credit. So if your credit rating is lower than you’d like, you may save money insuring your 2005 Nissan Sentra by improving your credit score.
  • Where you live can impact rates – Living in a small town has it’s advantages when it comes to car insurance. Fewer drivers translates into fewer accident claims and a lower car theft rate. People who live in big cities have to deal with more traffic problems and longer commute times. The longer drive time means a statistically higher chance of an accident.
  • Cheaper car insurance rates for prior coverage – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower stress equals lower car insurance rates – Occupational choices like doctorsairline pilots and stock brokers tend to have the highest rates in part from job stress and extremely grueling work hours. On the other hand, careers such as actors, students and performers have lower than average premiums on Sentra coverage.
  • Buy a safe car and pay less – Safer cars get lower rates. Highly rated vehicles have better occupant injury protection and better occupant protection means lower claim amounts and lower rates for you. If your Nissan Sentra has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Infrequent drivers can save – The higher the miles on your Nissan in a year’s time the more you’ll pay to insure it. Most companies rate vehicles based on their usage. Autos used primarily for pleasure use receive lower rates than cars that get driven a lot. Having the wrong rating on your Sentra may be costing you. Make sure your vehicle rating states the proper vehicle usage, because it can save money.

Do I need special coverages?

When choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

These are some specific questions might help in determining whether or not you might need professional guidance.

  • How much liability insurance is required?
  • Can I rent a car in Mexico?
  • Can I afford low physical damage deductibles?
  • Does car insurance cover theft of personal property?
  • Am I covered when pulling a rental trailer?
  • Is my teen driver covered when they drive my company car?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Advertising and insurance

Insurance companies such as Allstate and Progressive consistently run ads in print and on television. All the ads advertise the message that drivers will save a bundle just by switching your policy. How does every company make almost identical claims? It’s all in how they say it.

Companies are able to cherry pick for the type of insured they prefer to insure. A good example of a profitable insured could be over the age of 40, has a low-risk occupation, and has a short commute. Any person that matches those criteria will qualify for the lowest rates and will most likely save a lot of money.

Insureds who do not match the requirements will be quoted higher premiums and this results in the customer not buying. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully lure you into getting a quote. This illustrates why drivers must do a quote comparison often. It is impossible to predict with any certainty which company will provide the lowest prices.

Coverages available on your policy

Knowing the specifics of your insurance policy can be of help when determining 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 protection

Collision insurance will pay to fix damage to your Sentra caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as chiropractic care, surgery, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2005 Nissan Sentra.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits 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 $100,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, damage from getting keyed and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

We just covered a lot of ways to compare 2005 Nissan Sentra insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap insurance coverage. You may even discover the lowest prices are with a small mutual company.

When you buy insurance coverage online, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut collision coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

Drivers switch companies for any number of reasons including denial of a claim, lack of trust in their agent, extreme rates for teen drivers and delays in paying claims. No matter why you want to switch, choosing a new company is less work than it seems.

Even more information is available by following these links: