View 1998 Nissan Sentra Insurance Cost

Are you drained from being strong-armed to make your insurance payment? You are in the same boat as many other drivers. Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ad campaigns and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.

If you have insurance now or need a new policy, you can use this information to find better prices and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to learn the proper methods to compare price quotes over the internet.

Buy lower-cost auto insurance with these tips

Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic like a motor vehicle report, although some other factors are more transparent like where you live and annual miles driven.An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. When you understand what controls the rates you pay, this enables you to make decisions that could help you find lower premium levels.

• High coverage deductibles reduce costs – The deductibles define how much you are required to pay if the claim is covered. Physical damage protection, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims are rearending another vehicle, hail damage, and having a roll-over accident. The more you pay before a claim is paid (deductible), the less your auto insurance will be for Sentra insurance.
• Never go without auto insurance – Driving your car without having proper coverage is a big no-no and you will pay a penalty because you let your insurance expire. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time. You could then be forced to file a SR-22 with your state motor vehicle department.
• Frequent insurance claims will increase rates – If you tend to file frequent claims, you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Auto insurance companies give lower rates to insureds who only file infrequent claims. Insurance coverage is designed for claims that pose a financial burden.
• Car plus home equals more savings – Most major companies allow lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Discounts can be ten or even fifteen percent. Even if you qualify for this discount already, it’s still a good idea to check prices from other companies to ensure the best deal. Consumers may save even more by buying from different companies
• Safer vehicles are cheaper to insure – Cars with high safety ratings get lower rates. Highly rated vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid and lower rates for you.
• Improve your credit rating – An insured’s credit score can be an important factor in determining what you pay. People that have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit can use some improvement, you could save money insuring your 1998 Nissan Sentra by improving your rating.
• Your car’s features help determine premiums – Driving a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
• Your occupation can affect auto insurance rates – Did you know your auto insurance rates can be affected by your occupation? Careers like fire fighters, social workers and emergency personnel usually pay the highest average rates due to stressful work requirements and lots of time spent away from family. On the other hand, occupations such as farmers, engineers and homemakers receive lower rates for Sentra insurance.

Do you qualify for discounts?

Companies that sell car insurance don’t always advertise every discount very clearly, so we researched both the well known as well as the least known discounts that may be available.

• Save with a New Car – Insuring a new car can get you a discount because newer models have to meet stringent safety requirements.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
• Pay Now and Pay Less – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
• 55 and Retired – Mature drivers can get reduced rates for Sentra insurance.
• Policy Bundle Discount – If you combine your homeowners and auto policies and place coverage with the same company you could earn a discount of nearly 15% which can help you find affordable insurance.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free insurance coverage policy, you’re out of luck.

A few of the larger companies and a partial list of their discounts are shown below.

• State Farm offers premium reductions for good driver, safe vehicle, accident-free, driver’s education, student away at school, anti-theft, and Drive Safe & Save.
• Geico may include discounts for anti-theft, daytime running lights, driver training, good student, multi-policy, anti-lock brakes, and military active duty.
• Allstate offers discounts including premier discount, utility vehicle, EZ pay plan discount, new car, and anti-lock brakes.
• SAFECO includes discounts for teen safe driver, safe driver, anti-lock brakes, multi-car, drive less, teen safety rewards, and homeowner.
• Farm Bureau policyholders can earn discounts including safe driver, driver training, multi-vehicle, multi-policy, renewal discount, and youthful driver.
• Progressive may offer discounts for multi-policy, continuous coverage, online quote discount, multi-vehicle, good student, and homeowner.
• AAA offers discounts for AAA membership discount, education and occupation, multi-car, anti-theft, pay-in-full, and good driver.

Before buying, ask each company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area.

Don’t assume everyone needs the same car insurance coverage

When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions might point out whether you would benefit from an agent’s advice.

• Which companies will insure high-risk drivers?
• Does insurance cover damages from a DUI accident?
• Am I covered if I hit a deer?
• Am I covered by my spouse’s policy after a separation?
• Why am I be forced to buy a membership to get insurance from some companies?
• Why does it cost so much to insure a teen driver?
• What is the minimum liability in my state?
• Do I have coverage if my license is suspended?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of car insurance helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Collision protection

Collision coverage will pay to fix damage to your Sentra resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, sideswiping another vehicle, scraping a guard rail, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for doctor visits, ambulance fees, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from getting keyed, a tree branch falling on your vehicle, hitting a bird and a broken windshield. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance

This coverage will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1998 Nissan Sentra.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

A penny saved is a penny earned

You just read a lot of ways to reduce 1998 Nissan Sentra insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company. They often have lower rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

For more information, feel free to visit these articles:

• Think You’re a Safe Driver? (State Farm)
• Who Has Cheap Car Insurance Quotes for a Nissan Sentra in Las Vegas? (LasVegasInsure.com)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Frontal Crash Tests (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)