1999 Nissan Sentra Car Insurance Rates

Searching for lower insurance rates for your Nissan Sentra? Have you fallen victim to an underperforming, overpriced insurance policy? It’s a common feeling and many consumers feel financially strained by their insurance policy. There is such a variety of car insurance companies to choose from, and although it’s a good thing to have a choice, it can be more difficult to compare rates and cut insurance costs.

The purpose of this post is to introduce you to the best way to quote coverages. If you are paying for car insurance now, you will be able to save some money using this strategy. Drivers just need to learn how to compare price quotes online.

How to lower your insurance cost

There are multiple methods to compare insurance prices but one way is less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each company returns a rated price determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only downside to getting quotes like this is you can’t choose the providers to get quotes from. So if you prefer to pick individual companies to request quotes from, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but try to keep nearly identical coverage limits and deductibles with each company. If you have different liability limits then you won’t be able to truly determine the lowest rate.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining whether you might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • When should I buy a commercial auto policy?
  • Am I covered when driving a rental car?
  • Is upholstery damage covered by car insurance?
  • Do I need more liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Auto insurance specifics

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Sentra.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Auto collision coverage

This covers damage to your Sentra 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 coverage pays for claims like hitting a mailbox, crashing into a ditch, sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix 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, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles, emergency aid, medical expenses and court costs. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comments About 1999 Nissan Sentra Insurance

  1. Chong Willis

    I’m just east of Colorado Springs, CO. I quoted with AIG Insurance, Mercury, and a few others for my Sentra and saved $71 a year. Insured with 21st Century before. It’s still not cheap enough.

  2. Russell Spencer

    Enjoyed the article. I’m from New York City, New York. Received quotes from Sentry, Farmers, GEICO, and Auto-Owners for my 1999 Nissan Sentra and I think I cut my rates about $20 each month. Insured with The General before. You can get a rate quote online.

  3. Floria Hicks

    I got decent rates for a 1999 Nissan Sentra in Rochester, New York. Ended up at darn near $120 every six months with Amica.

  4. Rodger Salazar

    I’m in the east part of Anchorage, AK. Quoted with The General, Auto-Owners, Mercury, and a couple others for my Sentra and saved $80 a year. Good multi-policy discounts.

  5. Bethany Frazier

    Nice info. I’m in Aurora, CO. I quoted with Amica, Safeco, and some smaller one I can’t remember the name of for my Sentra and saved $92 a year. Have an at-fault accident tho. They offer free online rate quotes. Next renewal I’ll just do liability.

  6. Maura Howell

    Hope my car insurance gets cheaper. Live in the southern part of Rochester, NY. I quoted with Progressive, AAA, and some I forget for my 1999 Nissan Sentra and saved just over $110 a year. Have a couple speeding tickets too. Just liability coverage since it’s getting old.

  7. Octavia Sargent

    If you have a clean record and live in the vicinity of Portland, OR, check out Allstate. You might get cheaper rates. Insured with USAA before. Are quotes cheaper online? I don’t put full coverage on it.

  8. Mckenzie Mcmillan

    If you don’t have tickets and live near Aurora, CO, check out Progressive. I saved quite a bit. I just quoted rates online.

  9. Lilian Harrell

    Mine is so expensive. I live in Green Bay, Wisconsin. Went online for free insurance quotes for a 1999 Nissan Sentra. Ended up at about $80 savings annually. Went with GEICO. Was with Esurance. LOL I only have liability coverage on it.

  10. Isabel Medina

    Proud to be from Minneapolis, MN. Compared quite a few companies. Saved right around $20 a month. 21st Century was the cheapest for me. Anyone else drop full coverage?

  11. Ciera Stone

    I live just to the south of Baltimore, MD. Compared rates from a lot of places. Saved right around $30 a month. 21st Century was the cheapest option for me. Thankfully I’m not a high risk driver.

  12. Dorian Torres

    Like your site, BTW. I’m in Lexington, KY. Got car insurance prices from Sentry, Farmers, Progressive, and Amica for my Sentra and I’m now saving $20 a month. I get multi-vehicle and multi-policy discounts.

  13. Angelyn Farley

    What is comprehensive coverage?

  14. Steven Keller

    Does Progressive prorate premiums at cancellation?

  15. Coleen Mcclure

    If you have a good history and live near Houston, TX, check out 21st Century. You might get cheaper rates. Was with Amica. Have an at-fault accident tho. Not sure if rates are cheaper online or through an agent. Just liability coverage since it’s getting old.