Searching for the cheapest auto insurance rates for your Nissan Sentra? Are you at wits end from paying out the nose each month for auto insurance? You have the same problem as many other drivers.
There are many insurance companies to purchase coverage from, and although it’s nice to have a selection, more choices can make it harder to compare rates and find the lowest cost auto insurance.
Buying car insurance is not that difficult. Basically, every vehicle owner who is required by state law to have auto insurance will more than likely be able to cut their insurance bill. But drivers must understand the way insurance companies market on the web and take advantage of how the system works.
The are a couple different ways to compare quotes from different insurance companies. The easiest way by far to find cheaper Nissan Sentra rates is simply to get online rate quotes. It’s really quite simple and can be done by using one of the methods below.
For a list of links to companies insuring cars in your area, click here.
Whichever way you choose to compare rates, make sure you are using the exact same coverage data with each company. If you are comparing different coverage information you will not be able to truly determine the lowest rate. Slightly different coverage limits can make a big difference in price. And when comparison shopping, comparing more rates from different companies helps locate a better price.
When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine if your insurance needs would benefit from professional advice.
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.
Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.
Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for prosthetic devices, X-ray expenses, ambulance fees and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Nissan Sentra.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like hail damage, hitting a deer, damage from flooding, a broken windshield and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage – This pays for damage to your Sentra from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.
Auto liability – This provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits 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 a limit of $50,000 paid for damaged property.
Liability insurance covers things like emergency aid, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Su Rivera
IT’S ALL TOO EXPENSIVE! Live in Kansas City, KS. I compared lots of rates. Saved roughly $20 a month. Allstate was the cheapest option for me.
Gerry Arnold
I live in a small town just outside of Nashua, New Hampshire. I compared lots of rates. Saved roughly $30 a month. 21st Century was the most affordable for me. Got better coverage too. Hardly afford to drive anymore. I dropped full coverage awhile back.
Mitsue Coleman
I live in Wichita, Kansas. Got car insurance rates from Allstate, The General, and Farmers for my Sentra and I think I am saving around $20 each month. I just carry liability insurance.
Beatriz Dyer
My Nissan is faster than yours.
Berniece Snyder
I’ve bought from Progressive forever. Cheapest rates in Seattle, WA.
Frederica Odom
Lifelong resident of Missoula, MT. Quoted a bunch of companies. Saved darn near $20 a month. Progressive was the cheapest option for me. LOL Next renewal I’ll just do liability.
Lowell Lyons
I live in a small town just outside of New Orleans, Louisiana. Quoted prices from State Farm, Auto-Owners, and some I forget for my Sentra and I’m now saving $13 a month. Insured with Travelers before. Anyone else drop full coverage?
Bennett Rosa
Can I get replacement cost coverage for a 1991 Nissan Sentra?
Reuben Castillo
Affordable car insurance is a myth. Found cheapest coverage with USAA for my Nissan and am saving around $110 a year. Insured with Mercury before. Have a couple speeding tickets too. God forbid I actually have a claim.