How Much Does 2008 Nissan Sentra Insurance Cost?

Comparing and finding low cost rates for Driversinsurance is a challenge for drivers who are new to comparison shopping online. With such a large choice of insurance companies available, it can easily become a challenge to compare rates.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. This information will let you in on the most effective way to quote insurance and some tips to save money. But consumers need to learn how big insurance companies market on the web and use this information to your advantage.

The best way to compare car insurance rates is to take advantage of the fact most insurance companies will pay a fee to compare rate quotes. The only thing you need to do is take a few minutes to give details like the make and model of your vehicles, whether the vehicles are used for commuting, if it has an alarm system, and if you require a SR-22. That rating data is then submitted to insurance carriers in your area and you receive quotes almost instantly.

Big brands don’t always mean big savings

21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to convey the message about saving some big amount after switching your coverage. How is it possible that every company can make almost identical claims? It’s all in the wording.

Insurance companies are able to cherry pick for the type of insured that earns them the highest profit. A good example of a preferred risk may be between 25 and 40, carries full coverage, and drives a vehicle with a low ISO rating. A driver that fits those parameters will probably get cheap car insurance rates and will probably save some money.

Consumers who cannot meet those criteria will be charged higher premiums and ends up with business going elsewhere. The ads state “customers that switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently make claims that they all have the best rates. Because of the profiling, you should get insurance quotes as often as possible. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Save money with these tips

Many factors are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent such as your credit history or your commute time.Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance coverage. If you have some idea of what impacts premium levels, this allows you to make educated decisions that can earn you big savings.

Shown below are just a few of the factors insurance coverage companies consider when setting your rates.

  • Small frequent insurance claims are not good – If you’re an insured who likes to file claims don’t be surprised to see higher rates. Car insurance companies award cheaper rates to policyholders who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Stressful occupation may mean higher premiums – Occupations such as doctorspolice officers and dentists usually pay higher premiums than the average policyholder in part from high stress and long work days. On the flip side, occupations like professors, engineers and the unemployed pay the least on Sentra insurance.
  • Do you know your coverage deductibles? – Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, aka comp and collision, protects your car from damage. A few examples of covered claims would be rearending another vehicle, animal collisions, or theft of your vehicle. The more you pay before a claim is paid (deductible), the less your company will charge you for insurance on Sentra insurance.
  • Older drivers pay less – Older people are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.Young drivers have a tendency to get distracted easily when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher.

Verify you’re applying every discount

Car insurance can be pricey, but you may be missing some discounts to cut the cost considerably. Most are applied at the time of purchase, but some need to be requested specifically in order for you to get them.

  • Save over 55 – If you’re over the age of 55, you are able to get reduced rates on Sentra insurance.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can get savings of more than 20%.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
  • Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Renewal Discounts – A few companies give discounts for switching policies early. You could save around 10% when you buy insurance online.
  • Own a Home and Save – Owning a home may earn you a small savings because owning a home requires a higher level of personal finance.
  • Cautious Driver Discounts – Accident-free drivers could pay up to 40% less on Sentra insurance than less cautious drivers.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Student in College – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle can receive lower rates.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

Auto insurance companies that may include some of the above discounts include:

When comparing rates, check with each company what discounts are available to you. Some credits might not be available to policyholders in your area. If you would like to choose from a list of car insurance companies that have a full spectrum of discounts, follow this link.

When should I discuss my situation with an agent?

When buying coverage, there isn’t really a perfect coverage plan. Every situation is different.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • Do I pay less for low miles?
  • How high should deductibles be on a 2008 Nissan Sentra?
  • Is my teenager covered with friends in the car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have combined single limit or split liability limits?
  • Is pleasure use cheaper than using my 2008 Nissan Sentra to commute?
  • How do I insure my teen driver?
  • How much liability coverage do I need in my state?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage basics

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Sentra.

Since a lot of 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 very important.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like emergency aid, medical expenses, medical services and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your Sentra from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, hitting a mailbox, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, funeral costs, surgery and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

And the best car insurance company is…

When searching for inexpensive insurance quotes, don’t be tempted to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. The aim is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

Consumers change insurance companies for a number of reasons such as policy non-renewal, denial of a claim, poor customer service and high prices. No matter why you want to switch, choosing a new company is actually quite simple.

You just learned a lot of information how to get a better price on 2008 Nissan Sentra insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from a smaller regional carrier.

Much more information about insurance coverage can be read at these links: