2005 Nissan Sentra Insurance Quotes

Want better insurance rates for your Nissan Sentra? High-priced insurance can diminish your monthly budget and possibly require you to analyze your spending habits. Doing a rate comparison is a smart way to lower your bills every month.

Popular companies such as Allstate, Liberty Mutual and State Farm promote their brand names with ad campaigns and it can be hard to see past the corporate glitz and find the best price available.

Get lower rates with discounts

Car insurance can be pricey, but you may qualify for discounts that can help lower your rates. Some trigger automatically at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

• Paperless Signup – Many car insurance companies will discount your bill up to fifty bucks just for signing your application on their website.
• Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Geico, Progressive, and Allstate will turn a blind eye to one accident without the usual rate increase if you are claim-free for a set time period.
• Student Driver Training – Require your teen driver to sucessfully take a drivers education course if it’s offered in school.
• Defensive Driver Discount – Successfully completing a class that teaches driver safety techniques could save 5% or more and also improve your driving technique.
• No Claims – Drivers who don’t have accidents pay much less when compared to frequent claim filers.
• Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.

A list of car insurance companies and the discounts they provide are:

• Geico may include discounts for five-year accident-free, multi-vehicle, membership and employees, emergency military deployment, air bags, anti-lock brakes, and federal employee.
• Mercury Insurance has discounts for good student, type of vehicle, multi-car, annual mileage, location of vehicle, and low natural disaster claims.
• Farmers Insurance has savings for teen driver, bundle discounts, electronic funds transfer, multi-car, and switch companies.
• Auto-Owners Insurance policyholders can earn discounts including student away at school, anti-lock brakes, paperless, safe vehicle, air bags, safe driver, and good student.
• Liberty Mutual offers discounts including newly retired, multi-car, hybrid vehicle, preferred payment discount, safety features, and new move discount.
• SAFECO discounts include drive less, anti-lock brakes, anti-theft, safe driver, teen safe driver, and multi-car.
• Progressive may have discounts that include multi-policy, good student, online signing, continuous coverage, online quote discount, homeowner, and multi-vehicle.
• USAA offers premium reductions for safe driver, military installation, defensive driver, new vehicle, and good student.

Before you buy a policy, ask every prospective company the best way to save money. Some discounts may not apply to policies in every state.

Cheap auto insurance quotes online

There are a variety of methods you can shop for auto insurance but some are easier and takes less work. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Most car insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each company can provide price quotes based on the submitted data. This saves time by eliminating form submissions for every auto insurance company.

To find out how much you can save on auto insurance click to open in new window.

The only drawback to using this type of form is you can’t choose which carriers you want to price. If you wish to select from a list of companies to compare rates, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using nearly identical coverage information on every quote. If you use differing limits it will be nearly impossible to determine which company has the best rates.

Smart consumers can save money

Many things are considered when you quote your car insurance policy. Some are pretty understandable such as your driving history, but other factors are not as apparent like your vehicle usage and annual miles driven.

The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set premiums.

• Teenagers are high risk – Beginning drivers are proven to get distracted easily in a vehicle so they pay higher insurance coverage rates. Having to add a beginning driver onto a policy can be quite pricey. Older insureds tend to be more responsible, tend to file fewer claims , and are generally more financially stable.
• Cars with good safety ratings cost less to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
• Males pay higher prices – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both are responsible for at-fault accidents in similar percentages, but the males get into accidents with more damage. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 cause the most accidents and are penalized with high insurance coverage rates.
• Single vs. married – Having a spouse may cut your premiums on your insurance coverage bill. Marriage usually means you are more responsible and statistics prove being married results in fewer claims.
• lapses raise rates – Allowing your coverage to lapse is a sure-fire way to drive up your policy premiums. Not only will rates go up, getting caught without coverage could result in a license revocation or jail time.
• Deter vehicle theft – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder vehicle theft.

What is the best insurance coverage?

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation may require specific advice.

• Do I benefit by insuring my home with the same company?
• How many claims can I have before being cancelled?
• Is borrowed equipment or tools covered if stolen or damaged?
• Who is covered when they drive my 2005 Nissan Sentra?
• Are all vehicle passengers covered by medical payments coverage?
• Does my 2005 Nissan Sentra need full coverage?
• Am I covered when delivering products for my home-based business?
• Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Auto insurance 101

Having a good grasp of car insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

Auto liability insurance

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

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 values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, loss of income, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Collision insurance

Collision insurance pays for damage to your Sentra resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Nissan Sentra.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims such as a broken windshield, fire damage, vandalism, falling objects and hitting a bird. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, prosthetic devices, funeral costs and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

A little work can save a LOT of money

Affordable 2005 Nissan Sentra insurance can be found on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer the ability to get a quote online and usually these small, regional companies only sell coverage through independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

To learn more, feel free to visit the articles below:

• What is Covered by GAP Insurance? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Event Data Recorders FAQ (iihs.org)