How Much Does 2016 Nissan Sentra Insurance Cost?

Tired of sacrificing other expenses to buy auto insurance? You are no different than many other people. Many car insurance companies vie for your business, so it’s not easy to compare every company and uncover the absolute lowest rate

Pay discount rates with these discounts

Not many people think insurance is cheap, but there may be some discounts that could help you make your next renewal payment. Most are applied when you purchase, but less common discounts must be specially asked for prior to getting the savings.

  • Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could save at least 10% off all policies.
  • No Claims – Claim-free drivers can save substantially compared to drivers with a long claim history.
  • Passive Restraints and Air Bags – Options like air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Good Grades Discount – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Senior Discount – If you qualify as a senior citizen, you can get a slight reduction on a auto insurance quote for Sentra insurance.
  • Auto/Life Discount – If the company offers life insurance, you could get a discounted insurance coverage rate on car insurance if you buy some life insurance too.
  • Distant Student Discount – Any of your kids living away from home attending college and do not take a car to college can be insured at a reduced rate.

As is typical with insurance, some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

The best insurance coverage companies and their possible discounts can be found below.

  • American Family discounts include accident-free, bundled insurance, air bags, multi-vehicle, and early bird.
  • State Farm includes discounts for multiple policy, multiple autos, Drive Safe & Save, good driver, driver’s education, and defensive driving training.
  • 21st Century may offer discounts for homeowners, air bags, teen driver, driver training, and early bird.
  • Travelers offers discounts including payment discounts, home ownership, IntelliDrive, student away at school, and save driver.
  • GEICO may include discounts for anti-theft, anti-lock brakes, emergency military deployment, seat belt use, military active duty, and multi-policy.

It’s a good idea to ask every company how you can save money. Savings may not be offered in every state. For a list of insurance companies who offer online insurance coverage quotes, click this link.

How to compare insurance rate quotes

Effectively comparing insurance prices is a ton of work if you don’t utilize the most efficient way to do it. You could waste time talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many popular insurance companies take part in a program where prospective buyers send in one quote, and every company returns a competitive quote for coverage. This prevents consumers from doing form submissions for every insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The single downside to pricing coverage this way is you don’t know exactly which companies to receive prices from. So if you prefer to pick individual companies to request quotes from, we have a page of insurance companies in your area. Click to view list.

Whichever way you use, make sure you compare exactly the same coverages and limits for every company. If you use different liability limits you will not be able to decipher which rate is best.

Your situation helps dictate your coverage

When buying the best insurance coverage, there really is not a single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Can I get a multi-policy discount?
  • Am I covered if I break a side mirror?
  • Does my policy cover me when driving someone else’s vehicle?
  • What happens if I owe more than my 2016 Nissan Sentra is worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • What are the best liability limits?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a Nissan Sentra

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

UM/UIM (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 injuries sustained by your vehicle’s occupants as well as damage to your Nissan Sentra.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision protection

This coverage will pay to fix damage to your Sentra resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like pain medications, funeral costs, dental work and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims such as structural damage, medical expenses and court costs. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Quote more. Save more.

While you’re price shopping online, do not skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage only to discover later that it was a big mistake. The goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

We just showed you a lot of tips how to shop for 2016 Nissan Sentra insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the biggest savings come from some of the lesser-known companies. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.

Additional detailed information can be found by following these links: