How Much Does 2006 Nissan Sentra Insurance Cost?

Trying to find the cheapest insurance rates for your Nissan Sentra? Have you finally had enough of paying out the nose to pay high insurance rates every month? You are in the same boat as many other people.

Insurance companies such as Progressive, State Farm and GEICO promote their brand names with TV and radio ads and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

It is always a good idea to do rate comparisons periodically because prices go up and down regularly. Just because you had the lowest price for Sentra coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn one of the best ways to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. But vehicle owners must know how companies sell insurance online because it can help you find the best coverage.

The best way we recommend to compare rate quotes is to know the fact most insurance companies participate in a system to compare rate quotes. The only thing you need to do is provide information such as if it has an alarm system, marital status, how much education you have, and distance driven. Your information is instantly submitted to many different companies and you receive quotes instantly to find the best rate.

To find the cheapest car insurance rates, click here and enter your coverage details.

Discounts for cheaper insurance coverage rates

Car insurance is not cheap, but there could be significant discounts that you may not even be aware of. Some trigger automatically when you purchase, but some need to be manually applied before they will apply.

  • Responsible Driver Discount – Accident-free drivers can pay as much as 50% less for Sentra coverage as compared to drivers with claims.
  • ABS Brakes – Vehicles with ABS and/or traction control are safer to drive and earn discounts up to 10%.
  • Waiver for an Accident – This isn’t a discount exactly, but some insurance companies will let one accident slide without raising rates if you are claim-free for a certain period of time.
  • Driver Training Discounts – Taking part in a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Home Ownership Discount – Being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
  • Save over 55 – Drivers over the age of 55 may be able to get a small discount on rates for Sentra coverage.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

A list of companies and a partial list of their discounts are detailed below.

  • State Farm may include discounts for Drive Safe & Save, multiple policy, multiple autos, student away at school, good driver, Steer Clear safe driver discount, and good student.
  • Liberty Mutual includes discounts for new vehicle discount, teen driver discount, exclusive group savings, newly retired, good student, and multi-policy.
  • American Family has savings for early bird, defensive driver, air bags, TimeAway discount, and accident-free.
  • Progressive offers discounts for online signing, good student, multi-policy, homeowner, multi-vehicle, continuous coverage, and online quote discount.
  • Farmers Insurance may have discounts that include switch companies, good student, homeowner, electronic funds transfer, and bundle discounts.
  • Auto-Owners Insurance discounts include safe driver, paid in full, company car, mature driver, and multiple vehicles.
  • SAFECO has discounts for teen safety rewards, bundle discounts, anti-theft, multi-car, drive less, teen safe driver, and safe driver.

If you need low cost car insurance quotes, ask every company which discounts can lower your rates. All car insurance discounts may not apply to policies in every state. To view insurers that offer some of these discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Can my teen drive my company car?
  • Am I covered if I wreck a rental car?
  • Do all my vehicles need collision coverage?
  • Can I drive in Mexico and have coverage?
  • When does my teenage driver need to be added to my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I afford low physical damage deductibles?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Save money with these tips

Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, although some other factors are more transparent like your continuous coverage or how safe your car is.

The itemized list below are just a few of the factors that factor into your premiums.

  • Women pay lower premiums – Over time, data shows females are less aggressive when driving. However, this does not mean females are better drivers. Men and women cause auto accidents at about the same rate, but guys have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI).
  • Alarm systems systems cut rates – Owning a car with a theft deterrent system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Occupation stress can affect premiums – Careers like judgesairline pilots and stock brokers usually pay higher average rates due to high stress and lots of time spent away from family. Conversely, occupations like scientists, historians and the unemployed get better rates for Sentra coverage.
  • Your location is important – Living in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. Lower population means reduced accidents and a lower car theft rate. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. The longer drive time means a statistically higher chance of an accident.

Drivers who switch save $442 a year? Really?

Car insurance companies such as GEICO, State Farm and Progressive consistently run television, radio, and online ads. They all seem to make an identical promise that you’ll save big if you change your car insurance policy to them. But how can every company have lower policy pricing? This is how they do it.

Companies have specific criteria for the right customer that makes them money. For example, a profitable insured should be between 30 and 50, has no claims, and insures a new vehicle. Any customer that fits those parameters receive the lowest rate quotes and most likely will save if they switch.

Insureds who fall outside the ideal profile will have to pay higher premium rates and this can result in the prospect going elsewhere. The ads say “drivers who switch” not “all people who quote” save that kind of money. That’s the way insurance companies can make the claims of big savings. This emphasizes why it is so important to do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will have the lowest rate quotes.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, falling objects, damage from flooding, a broken windshield and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and 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. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, structural damage, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Sentra resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like rehabilitation expenses, pain medications, EMT expenses, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Have money to burn

When shopping online for insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

Affordable 2006 Nissan Sentra insurance can be purchased on the web and with local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance coverage companies may not have online rate quotes and usually these smaller providers provide coverage only through independent insurance agents.

We just showed you a lot of ways to save on 2006 Nissan Sentra insurance. It’s most important to understand that the more you quote car insurance, the higher your chance of finding inexpensive car insurance. You may even discover the most savings is with some of the smallest insurance companies. Smaller companies often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

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