2003 Nissan Sentra Insurance Rates – 10 Tips for Best Quotes

Want lower car insurance rates for your Nissan Sentra? Did budget coverage turn out to be an underperforming, overpriced car insurance policy? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the absolute lowest price

Smart consumers take time to compare premium rates yearly due to the fact that insurance prices are variable and change quite frequently. Just because you had the lowest rates for Sentra insurance at your last renewal other companies may now be cheaper. You can find a lot of misleading information regarding car insurance online, but in just a couple of minutes you can learn some guaranteed methods to reduce your car insurance bill.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. Buying car insurance is not rocket science. But consumers do need to understand how big insurance companies sell insurance online because it can help you find the best coverage.

Compare auto insurance rates

There are several ways of comparing rate quotes from all the different companies. The easiest way to find the cheapest 2003 Nissan Sentra insurance rates is to get quotes online. This can be done in a couple of different ways.

The single most time-saving way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quotes for each company you want a rate for. Just one form gets insurance cost estimates from multiple low-cost companies.

A slightly less efficient method to find better pricing consists of visiting each company’s website and complete a new quote form. For examples sake, let’s say you want comparison quotes from Progressive, Esurance and State Farm. You would be required to navigate to each company’s site and repeatedly type in your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just do your best to enter nearly identical coverage limits for each quote you get. If you use different deductibles it will be very difficult to determine the lowest rate for your Nissan Sentra. Slightly different insurance coverages could mean much higher rates. Just remember that getting more free quotes helps improve the odds of finding the best offered rates.

Well known brands might not be cheapest

Respected companies like Allstate and Progressive regularly use ads on television and other media. They all seem to state the claim that you can save if you move your insurance policy to them. It sounds good, but how can they all have lower policy pricing? This is how they do it.

Most companies give the cheapest rates for the type of driver they prefer to insure. A good example of this type of insured might be married and over the age of 30, has few claims, and drives a lower-performance vehicle. Someone who matches those parameters gets the lowest rates and have a good chance to save if they switch.

Potential insureds who do not match the “perfect” profile will be charged higher rates which translates to the customer buying from a different company. The trick is to say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully state the savings.

This illustrates why it’s extremely important to get price quotes at each policy renewal. It’s not possible to predict which company will have the best prices at this point in time.

Verify you’re getting every discount

Companies that sell car insurance don’t always list every discount they offer very well, so we break down some of the best known as well as some of the hidden credits available to you.

• Discounts for New Vehicles – Insuring a new car can get you a discount because newer vehicles are generally safer.
• Multiple Policy Discount – If you can combine your home and auto policy with one insurance company they may give you a discount of at least 10% off all policies.
• Senior Discount – Drivers over the age of 55 can get a small discount on rates for Sentra insurance.
• Accident Free – Drivers who stay claim-free have much lower rates in comparison to frequent claim filers.
• Own a Home and Save – Simply owning a home can get you a discount because owning a home means you have a higher level of financial diligence.
• Discount for Low Mileage – Fewer annual miles on your Nissan could be rewarded with lower premium rates due to less chance of an accident.
• Waiver for an Accident – This one is not really a discount per se, but some companies like State Farm and Geico permit an accident before they charge you more for coverage if you are claim-free for a certain period of time.
• Professional Organizations – Belonging to a civic or occupational organization is a simple method to lower premiums on your next renewal.
• Telematics Devices – Policyholders that allow driving data submission to look at driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

Just know that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck.

Large auto insurance companies and the discounts they provide are outlined below.

• Progressive discounts include homeowner, multi-vehicle, online signing, multi-policy, continuous coverage, and online quote discount.
• Geico policyholders can earn discounts including anti-lock brakes, multi-vehicle, defensive driver, seat belt use, emergency military deployment, and membership and employees.
• State Farm offers premium reductions for passive restraint, good student, defensive driving training, driver’s education, student away at school, multiple autos, and safe vehicle.
• Esurance may have discounts that include renters, homeowner, claim free, Pac-12 alumni, and safety device.
• The Hartford has savings for vehicle fuel type, bundle, good student, anti-theft, driver training, defensive driver, and air bag.

When getting free car insurance quotes, it’s a good idea to every prospective company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your area. To find auto insurance companies who offer free auto insurance quotes, follow this link.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• If I drive on a suspended license am I covered?
• Do I need replacement cost coverage on my 2003 Nissan Sentra?
• How can I get high-risk coverage after a DUI?
• What discounts do I qualify for?
• Is other people’s property covered if stolen from my vehicle?
• Am I covered if I break a side mirror?
• Is my 2003 Nissan Sentra covered for smoke damage?
• When should I buy a commercial auto policy?
• Who is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2003 Nissan Sentra.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, vandalism, damage from getting keyed, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your Sentra resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability car insurance

This can cover injuries or damage you cause to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, loss of income, repair costs for stationary objects and medical services. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as prosthetic devices, surgery and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Buy Smart and Save

You just read a lot of information how to save on 2003 Nissan Sentra insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest car insurance. You may even find the most savings is with an unexpected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, never reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best possible price.

Some insurance providers do not provide the ability to get a quote online and usually these regional carriers only sell coverage through local independent agents. Low-cost 2003 Nissan Sentra insurance is attainable from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from.

Much more information about car insurance is located at the links below

• Cellphones, Texting and Driving (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Auto Insurance 101 (About.com)