Compare 2004 Nissan Sentra Car Insurance Rates

Trying to find cheaper auto insurance rates for your Nissan Sentra? Nobody that owns a car anticipates paying for auto insurance, especially when they are aware that they could find lower prices if they just compared rates.

Companies like Geico and Progressive promote their brand names with catchy ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

The easiest way to compare rate quotes is to know the trick car insurance companies will pay a fee to give you rate quotes. The only thing you need to do is give them some information like how much coverage you want, if a SR-22 is required, your credit rating estimate, and if the vehicle is leased. The rating information is then sent to multiple companies and you will receive price estimates immediately.

If you wish to get multiple quotes for your car now, click here then complete the form.

Use discounts on auto insurance

Companies don’t always advertise every discount very clearly, so the next list breaks down both the well known in addition to some of the lesser obvious credits that may apply to you.

• Drive Less and Save – Low annual miles could be rewarded with substantially lower rates.
• Sign Early and Save – Select auto insurance companies give a discount for buying a policy early. The savings is around 10%.
• Homeowners Discount – Just owning your own home can help you save on auto insurance since home ownership requires a higher level of personal finance.
• Employee of Federal Government – Having worked for a branch of the government may qualify for a discount when you quote insurance on Sentra insurance with certain companies.
• Pay Early and Save – If you pay your bill all at once instead of paying each month you may have a lower total premium amount.
• Accident Forgiveness – This one isn’t a discount, but companies like Allstate and State Farm permit an accident before hitting you with a surcharge if you are claim-free prior to the accident.
• Save over 55 – If you qualify as a senior citizen, you can get a small discount on rates on Sentra insurance.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and the ABS can save up to 10%.
• Multiple Policy Discount – If you have multiple policies with one company they may give you a discount of at least 10% off all policies.
• Claim Free – Insureds with no claims or accidents pay much less in comparison with frequent claim filers.

You can save money using discounts, but most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.

To choose companies with discount auto insurance rates, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• What are the financial responsibility laws in my state?
• Am I covered when driving in Canada or Mexico?
• Do I need replacement cost coverage?
• Can my babysitter drive my car?
• Am I covered when pulling a rental trailer?
• What are the best liability limits?
• Does coverage extend to my business vehicle?
• Is a blown tire covered by insurance?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance premium influencing factors

Multiple criteria are part of the calculation when you get a price on insurance. Some are obvious like an MVR report, but others are not quite as obvious such as whether you are married and annual miles driven.An important part of buying insurance is that you know the factors that come into play when calculating the level of your policy premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

The list below includes a partial list of the pieces companies use to determine premiums.

• Your stress level may be raising your rates – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as fire fighters, architects and dentists have higher average rates due to intense work-related stress and incredibly demanding work hours. On the other hand, professions such as scientists, students and the unemployed get better rates on Sentra insurance.
• Accidents hurt – Having a single speeding ticket or other violation can boost insurance rates by twenty percent. Attentive drivers receive lower rates compared to drivers with tickets. Drivers who have dangerous tickets like reckless driving or DUI may find that they have to to maintain a SR-22 with their state in order to continue driving.
• Insurance rates for married couples – Having a significant other can get you a discount on your policy. Having a spouse may mean you are more mature and responsible and statistics prove married couples file fewer claims.
• Insurance prices and driver gender – The statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Women and men have at-fault accidents at a similar rate, but the male of the species cause more damage. Men also receive more costly citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore are the most expensive to insure.

Do you really save 40% when you switch?

Big name companies like Allstate, Geico and Progressive constantly bombard you with television, radio, and online ads. They all seem to make the point that people will save if you switch your coverage to them. Is it even possible that every company can save you money? You have to listen carefully.

Insurance coverage companies have an ideal profile for the type of insured that will generate a profit. A good example of a preferred risk should be married and over the age of 30, carries full coverage, and drives a lower-performance vehicle. Anybody that meets those criteria will get the preferred car insurance rates and as a result will probably save quite a bit of money when switching.

Insureds who do not match this stringent profile will see higher prices and this can result in business going elsewhere. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much. That is how companies can truthfully state the savings.

This really drives home the point why you should do a price quote comparison at every renewal. It’s impossible to know which insurance companies will have the lowest prices for your situation.

Auto insurance specifics

Knowing the specifics of auto insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.

Liability

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like legal defense fees, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, dental work, EMT expenses, pain medications and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2004 Nissan Sentra.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverages

This coverage 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 coverage pays for things such as falling objects, rock chips in glass, fire damage, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Sentra resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Be Smart and Buy Smart

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Lower-priced 2004 Nissan Sentra insurance can be purchased from both online companies and from local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who don’t offer internet price quotes and many times these smaller companies work with local independent agents.

To read more, link through to the following helpful articles:

• Driving in Bad Weather (Insurance Information Insitute)
• Who Has Cheap Lexington Auto Insurance for a Nissan Sentra? (InsureLexington.com)
• Insuring a Leased Car (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)