How Much Does 2010 Nissan Sentra Insurance Cost?

Want better insurance coverage rates for your Nissan Sentra? Expensive insurance coverage can drain your monthly budget and force you to prioritize other expenses. Comparing price quotes is a smart way to make sure you’re not throwing money away.

Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute best rates possible.

If you currently have car insurance, you should be able to save some money using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Although consumers do need to know how insurance companies determine prices and use this information to your advantage.

Buy insurance coverage online

When shopping for insurance coverage there are multiple ways to compare prices from many available insurance coverage companies in your state. The quickest method to find affordable 2010 Nissan Sentra insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This quick form saves time by eliminating a different quote for each company you want a rate for. One simple form gets coverage cost estimates from all major companies.
  2. A harder way to analyze rates is to manually visit the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to view quotes from Farmers, Geico and Progressive. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive.

    To view a list of companies in your area, click here.

Take whichever approach you prefer, but be sure to compare nearly identical quote data on every price quote you get. If each company quotes different liability limits it’s not possible to get a fair rate comparison. Even a minor difference in coverages may result in a large different in cost. And when price shopping your coverage, comparing a wide range of rates helps improve the odds of finding a lower rate than you’re paying now. Not every company allows you to get prices over the internet, so you also need to get quotes from those companies as well.

Take advantage of every car insurance discount

Car insurance can be pricey, but you might be missing out on some discounts that many consumers don’t even know exist. Some discounts apply automatically when you quote, but once in a while a discount must be manually applied prior to getting the savings.

  • Passive Restraints – Cars that have air bags may earn rate discounts of 20% or more.
  • Distant Student – Kids who live away from home to go to college and don’t have a car can receive lower rates.
  • No Claim Discounts – Good drivers with no accidents can save substantially as opposed to drivers with a long claim history.
  • Military Rewards – Having an actively deployed family member may qualify for rate reductions.
  • Membership in Organizations – Affiliation with a professional or civic organization could trigger savings on your next renewal.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Insurance companies that may include these money-saving discounts include:

When getting free car insurance quotes, it’s a good idea to each insurance company to give you their best rates. Discounts may not apply to policies in your state. To locate insurers who offer car insurance discounts, follow this link.

How to know if you need help

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether you may require specific advice.

  • How can I find cheaper teen driver insurance?
  • How much liability do I need to cover my assets?
  • When can I cancel my policy?
  • Does insurance cover tools stolen from my truck?
  • Is my custom paint covered by insurance?
  • Am I covered if I wreck a rental car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

Liability car insurance

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

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, loss of income, legal defense fees, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, ambulance fees, pain medications, prosthetic devices and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a broken windshield, damage from a tornado or hurricane, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Sentra caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, scraping a guard rail, colliding with another moving vehicle, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

A fool and his money are soon parted

Discount 2010 Nissan Sentra insurance is available from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers don’t offer online price quotes and usually these smaller providers prefer to sell through independent insurance agents.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

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Comments About 2010 Nissan Sentra Insurance

  1. Trudy Malone

    I’m looking for cheaper coverage. Proud to be from Providence, RI. Quoted quotes with GEICO, Amica, Esurance, and Hartford for my Nissan and I’m now saving $17 a month. I just quoted rates online.

  2. Raelene Beasley

    I found pretty cheap rate quotes for a 2010 Nissan Sentra in Columbus, GA. Ended up at roughly $510 every six months with AIG Insurance. Insured with Auto-Owners before. Not sure if rates are cheaper online or not.

  3. Earnest Cunningham

    $100 to anyone who understands their policy.

  4. Delisa Cherry

    Lots of good stuff here. Went with Allstate for my Nissan and am saving around $230 a year. I’m a pretty low risk driver.

  5. Alexis Sexton

    Enjoyed the article. Checking in from Greensboro, NC. Got car insurance quotes from Mercury, Esurance, Progressive, and Amica for my Sentra and I’m now saving $37 a month. Was with Hanover. Switched homeowners coverage too. Hardly afford to drive anymore.

  6. Marivel Lowery

    Here’s my quote info. Found cheapest coverage with Safeco for my Nissan and am saving around $470 a year. Just waiting to see how claims go.

  7. Michael Benson

    Great site. I’m from New Orleans, LA. Got car insurance prices from 21st Century, GMAC, and Farmers for my Nissan and saved just over $310 a year. I get a discount for insuring multiple vehicles.

  8. Melodi Torres

    IMHO Portland, OR seems to have good rates from State Farm.

  9. Latia Landry

    If you have a good history and are close to Nashua, NH, check out Progressive. You might save some money. Insured with MetLife before. Wish I didn’t have to insure at all.

  10. Luanne Mills

    Great site. I’m in the south part of Hartford, CT. Got quotes from State Farm, AIG Insurance, and some I forget for my Nissan and saved just over $550 a year. Left Travelers to switch.