1994 Nissan Sentra Insurance Rates – 6 Savings Tips

Pricey Nissan Sentra insurance can empty your savings and require stricter spending habits. Doing a rate analysis can be a smart way to make ends meet.

Companies like Geico, Progressive and Allstate persitently shower you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you have a policy now or need new coverage, you can use this information to get lower rates and still get good coverage. Finding the best rates is quite easy. Consumers just need to know the tricks to compare rates online.

How much does insurance coverage cost?

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the easiest way. You can waste hours talking to agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies participate in an industry program where prospective buyers send in one quote, and each participating company then returns a price quote determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The one downside to using this type of form is you don’t know exactly which carriers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we put together a list of insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but compare exactly the same information on every quote. If you use higher or lower deductibles then you won’t be able to determine which rate is truly the best.

Do you qualify for these six discounts?

Some insurers don’t necessarily list every disount available in an easy-to-find place, so the next list breaks down both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems could see savings up to 30%.
• Onboard Data Collection – Policyholders that allow their insurance coverage company to analyze where and when they drive by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as they are good drivers.
• Smart Student Discounts – A discount for being a good student may save as much as 25% on a insurance quote. Most companies allow this discount up to age 25.
• Driver’s Education for Students – Require your teen driver to enroll in driver’s education if offered at their school.
• Bundle and Save – If you combine your auto and homeowners policies with one insurance company you will save over 10 percent off each policy depending on the company.
• Renewal Discounts – Some insurance coverage companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

For a list of insurance coverage companies that provide some of the discounts listed above, follow this link.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation would benefit from professional advice.

• Does coverage extend to a rental car in a foreign country?
• Is a blown tire covered by insurance?
• When would I need additional glass coverage?
• Should I have a commercial auto policy?
• Does my car insurance cover rental cars?
• Where can I find high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Detailed coverages of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average auto insurance policy.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, vandalism, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like funeral costs, prosthetic devices, X-ray expenses, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This coverage covers damage to your Sentra resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This will cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, bail bonds, emergency aid, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Quote more, save more

The cheapest 1994 Nissan Sentra insurance can be bought both online and with local insurance agents, so get free insurance quotes from both of them to have the best selection. Some insurance companies may not provide online quoting and these smaller companies work with local independent agents.

We just presented some good ideas how you can compare 1994 Nissan Sentra insurance premium rates online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Additional information is available below:

• Get the Right Protection (InsureUonline.org)
• Collision Coverage (Liberty Mutual)
• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)