How Much Does 1996 Nissan Sentra Car Insurance Cost?

Buyers have many options when searching for affordable Nissan Sentra insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to compare rates.

There is a better way to shop for insurance coverage so we’re going to tell you the quickest way to get price quotes on a Nissan and obtain the lowest price from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates and still get good coverage. This article will let you in on how to effectively get price quotes and some tricks to saving. Drivers just need to understand how to compare rates on the web.

Verify you’re receiving every discount

Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available to reduce the price significantly. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be manually applied before you will receive the discount. If you’re not getting every credit you deserve, you may be paying too high a price.

• Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts could save 15% off the medical payments premium.
• Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
• Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Sentra insurance but check with your company.
• Cautious Driver Discount – Drivers without accidents can save as much as half off their rates on Sentra insurance than drivers with accidents.
• Multi-policy Discount – If you have multiple policies with one company you could get a discount of over 10 percent off each policy depending on the company.
• Discount for Home Ownership – Simply owning a home may trigger a policy discount on car insurance because maintaining a house requires personal responsibility.
• College Student Discount – Any of your kids living away from home attending college and do not have a car could get you a discount.
• Theft Deterent Discount – Vehicles that have factory anti-theft systems help deter theft and that can save you a little bit as well.
• Waiver for an Accident – This one isn’t a discount, but a few companies such as State Farm and Allstate may permit one accident without the usual rate increase if your claims history is clear prior to being involved in the accident.

A little disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut specific coverage prices like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

If you would like to see a list of car insurance companies that offer discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• How high should deductibles be on a 1996 Nissan Sentra?
• Why do I need rental car insurance?
• Should I rate my 1996 Nissan Sentra as pleasure use or commute?
• Should I buy only the required minimum liability coverage?
• Why am I required to get a high-risk car insurance policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• I have good health insurance, so how much medical payments coverage do I need?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries 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. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, nursing services, chiropractic care and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, fire damage, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as pain and suffering, attorney fees, bail bonds, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, sideswiping another vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

The best insurance company isn’t always the cheapest

We just presented a lot of information how to reduce 1996 Nissan Sentra insurance premium rates online. The key concept to understand is the more you quote car insurance, the higher the chance of saving money. You may even find the best price on car insurance is with a small local company.

More affordable car insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies don’t offer online price quotes and many times these regional insurance providers work with independent insurance agencies.

Insureds switch companies for many reasons like not issuing a premium refund, policy cancellation, policy non-renewal or lack of trust in their agent. Regardless of your reason for switching companies, switching car insurance companies can be easier than you think.

To read more, take a look at these articles:

• Auto Insurance Basics (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• State Car Insurance Guides (Geico)