View 1993 Nissan Sentra Insurance Rates

Searching for lower insurance rates for your Nissan Sentra? Did you come to the realization that you have overpriced insurance? It’s a common feeling and there are many people just like you. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

It’s a good habit to compare rates every six months because insurance rates are rarely the same from one policy term to another. Even if you got the best deal on Sentra insurance on your last policy there is a good chance you can find better prices now. Block out anything you think you know about insurance because we’re going to demonstrate one of the easiest ways to properly buy coverages while reducing your premium.

If you have insurance now or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Buying car insurance is not that difficult. Vehicle owners only need to know the proper methods to find the lowest price on the web.

Insurance rates are influenced by these factors

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay, this enables informed choices that could result in cheaper rates.

• Credit score impact insurance coverage costs – An insured’s credit rating will be a significant factor in determining premium rates. If your credit rating is low, you could potentially save money when insuring your 1993 Nissan Sentra by repairing your credit. Insureds with very good credit scores tend to be better risks to insure than drivers with poor credit scores.
• More people means more accidents – Living in a rural area can be a good thing when it comes to insurance coverage. Fewer people translates into fewer accidents and lower theft and vandalism rates. People who live in big cities have more aggressive driving styles and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
• When should you file a claims? – Companies provide the lowest premiums to people who are not frequent claim filers. If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is intended for the large, substantial claims.
• Increase comp and collision deductibles to save – Comprehensive and collision coverage deductibles are how much you are required to pay if the claim is covered. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a stationary object, animal collisions, and having a roll-over accident. The more of the claim you pay before a claim is paid (deductible), the less your company will charge you for insurance on Sentra insurance.
• Cautious drivers pay the best prices – Your driving citation history influences premium rates substantially. Just one speeding ticket can increase rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. Drivers who have license-revoking tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.

Free insurance quotes

Cutting your insurance rates is a great way to save money. You just need to take the time getting comparison quotes online from several insurance companies. Price comparisons can be done in just a few minutes using one of these methods.

If you’re in a hurry, the quickest way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. Taking the time to complete one form gets you price quotes direct from many companies.

A harder way to get comparison quotes requires visiting each company website and go through the quote process again. For sake of this example, let’s say you want rates from Auto-Owners, Safeco and Farmers. In order to compare rates, you need to take the time to go to each site and enter your policy data, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Whichever way you use, be sure to compare nearly identical coverage data for every quote you compare. If you compare different limits and deductibles on each one you will not be able to find the best deal for your Nissan Sentra.

Is there deception in advertising?

Consumers constantly see and hear ads for auto insurance savings from the likes of Allstate and Progressive. They all advertise the message that drivers will save a bundle if you get a free insurance quote and switch your coverage.

That’s great but how can every company charge you less for car insurance? It’s all in the wording.

All companies require specific criteria for the driver that will not have excessive claims. For instance, a profitable customer might be described as a female over age 40, has a clean driving record, and drives a car with an anti-theft system. Any new insured that meets those criteria will get the preferred rates and as a result will probably save a lot if they switch.

People who don’t meet this stringent profile will have to pay higher premium rates and this can result in the customer buying from a different company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently claim big savings.

That is why you should do a rate comparison at every renewal. Because without a comparison, you cannot know with any certainty which company will provide you with the cheapest prices.

Insurance quotes and discounts

Auto insurance companies don’t list every disount available in a way that’s easy to find, so we break down a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

• Early Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Discount for New Cars – Buying a new car instead of a used car can save up to 30% due to better safety requirements for newer vehicles.
• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Multi-car Discount – Insuring multiple vehicles with the same insurance company can get a discount for every vehicle.
• Discount for Multiple Policies – If you have multiple policies with the same insurance company they may give you a discount of nearly 15% which can help you find cheap insurance.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

To find companies that offer the discounts shown above, click this link.

Situations that may require an agent’s advice

When choosing coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.

• When does my teenage driver need to be added to my policy?
• Do I have coverage when making deliveries for my home business?
• What can I do if my company denied a claim?
• When should I not file a claim?
• Do I have newly-aquired coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is my 1993 Nissan Sentra covered for flood damage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Collision insurance

This coverage covers damage to your Sentra caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door, crashing into a building, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1993 Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like dental work, EMT expenses, surgery and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as bail bonds, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Save your hard earned cash

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone dropped liability limits or collision coverage to discover at claim time that it was a big mistake. Your strategy should be to purchase a proper amount of coverage for the lowest cost.

Low-cost 1993 Nissan Sentra insurance can be purchased online and from local insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies don’t offer internet price quotes and usually these smaller companies prefer to sell through local independent agencies.

In this article, we presented many ideas to reduce 1993 Nissan Sentra insurance car insurance rates online. The key thing to remember is the more you quote insurance, the higher the chance of saving money. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. They may only write in your state and offer lower premium rates than their larger competitors like State Farm and Allstate.

Other information

• Auto Insurance FAQ (Farmers Insurance)
• Who Has Cheap Auto Insurance Quotes for a Nissan Sentra in Denver? (DenverCoverage.com)
• Older Drivers FAQ (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)