2012 Nissan Sentra Insurance Rates – 6 Discounts for Best Quotes

There isn’t anyone who anticipates paying for car insurance, especially when they know they could find better prices if they shop around.

Consumers have so many insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it can be more difficult to find a good deal.

Auto insurance quotes and discounts

Auto insurance is neither fun to buy or cheap, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked for before being credited.

  • Early Renewal Discounts – A few companies allow discounts for switching companies before your current expiration date. This can save 10% or more.
  • Student Discounts – Performing well in school may save as much as 25% on a insurance coverage quote. The discount lasts up until you turn 25.
  • Senior Citizen Discount – Older drivers may qualify for better auto insurance rates for Sentra insurance.
  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper since new vehicles are generally safer.
  • Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sentra insurance compared to accident prone drivers.
  • Data Collection Discounts – Insureds who allow driving data submission to track when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.

It’s important to understand that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount should help lower your policy cost.

A list of auto insurance companies and a selection of discounts can be found below.

  • GEICO may have discounts that include federal employee, anti-lock brakes, membership and employees, air bags, and good student.
  • MetLife discounts include multi-policy, claim-free, good driver, good student, and accident-free.
  • State Farm has savings for safe vehicle, Steer Clear safe driver discount, student away at school, defensive driving training, driver’s education, and multiple policy.
  • Progressive has discounts for multi-vehicle, online quote discount, good student, continuous coverage, online signing, multi-policy, and homeowner.
  • Mercury Insurance includes discounts for anti-theft, good student, multi-policy, low natural disaster claims, ease of repair, and good driver.
  • 21st Century may include discounts for driver training, anti-lock brakes, student driver, homeowners, and automatic seat belts.
  • Allstate offers premium reductions for resident student, safe driver, eSmart discount, new car, and auto/life discount.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply everywhere. To choose insurers with discount rates, click this link.

Situations that may require an agent’s advice

When it comes to buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Is my custom paint covered by insurance?
  • What is the minimum liability in my state?
  • Is pleasure use cheaper than using my 2012 Nissan Sentra to commute?
  • Do I need medical payments coverage since I have good health insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my camper covered by my car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my teenager covered with friends in the car?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Learning about specific coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Nissan Sentra.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

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

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from flooding, fire damage, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for 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 things like colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses for things like funeral costs, X-ray expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability car insurance – Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Shop around and save

Affordable 2012 Nissan Sentra insurance is definitely available on the web and also from your neighborhood agents, so you need to shop insurance coverage with both to have the best selection. Some companies do not offer rates over the internet and usually these smaller providers sell through independent insurance agencies.

We just showed you many tips how you can compare 2012 Nissan Sentra insurance auto insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper insurance coverage. You may even find the biggest savings come from a lesser-known regional company. Some small companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Additional car insurance information is available below: