How Much Does 2011 Nissan Sentra Car Insurance Cost?

Looking for lower insurance coverage rates for your Nissan Sentra? Do you think you bought an underperforming, overpriced insurance coverage policy? Don’t sweat it because there are many people just like you. Since people have many options, it is hard for the average consumer to pick the lowest cost company.

You should make it a habit to compare prices before your next renewal since insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes for Sentra coverage a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the quickest way to find great coverage at a great price.

Pricing the lowest cost protection can be fairly easy. If you are insured now or need a new policy, you can follow these tips to find better prices while maximizing coverage. Consumers only need to know the proper way to get comparison quotes online.

Smart consumers can reduce their insurance premiums

Many different elements are part of the equation when pricing auto insurance. Some are obvious such as your driving history, but other factors are not as apparent such as your credit history or your vehicle rating.A large part of saving on car insurance is knowing the factors that go into determining your car insurance rates. If you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

• Is you job costing you more? – Jobs like military personnelpolice officers and miners are shown to have higher rates than average in part from job stress and incredibly demanding work hours. Conversely, occupations such as actors, students and performers receive lower rates for Sentra coverage.
• Single drivers may pay more – Being married helps lower the price on your car insurance bill. It means you’re more mature and insurance companies like that drivers who are married file infrequent claims.
• Safeguard your assets with liability insurance – The liability section of your policy is the coverage that protects you when you are determined to be liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage to defend your case. It is affordable coverage as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Extra policy coverages you don’t use – There are quite a few extra add-on coverages that you can get tricked into buying when buying car insurance. Coverages for roadside assistance, accidental death, and extra equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.
• Gaps in coverage mean higher rates – Not maintaining insurance is against the law and you may have a hard time finding new coverage because you let your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license.
• Consolidate policies and save money – Most larger insurers will award better rates to buyers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, consumers should still check prices from other companies to ensure the best deal. Drivers may still find a better deal even if you insure with multiple companies
• GPS tracking and theft deterrents lowers car insurance rates – Choosing to buy a car with an alarm system can help lower your premiums. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
• Accidents mean higher prices – Having a clean driving record has a huge affect on how much you pay. Just one citation can increase the cost of insurance twenty percent or more. Good drivers get better rates than people who have multiple driving citations. Drivers who have serious tickets such as DUI or willful reckless driving may find they need to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.

How to get free car insurance quotes online

Reducing your 2011 Nissan Sentra insurance rates is actually easier than you may think. The only requirement is to spend a few minutes to get quotes to discover which company has the cheapest insurance quotes. This can be accomplished using a couple different methods.

1. Hands down the most simple method to find low rates is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for a different quote for every prospective company. Taking the time to complete one form gets insurance cost estimates from all major companies.
2. A different way to find better pricing is to manually visit each individual company website and fill out a new quote form. For instance, we’ll pretend you want to compare Auto-Owners, Safeco and Farmers. To do that, you would have to take the time to go to each site and repeatedly type in your coverage information, which can get old fast. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just try to use nearly identical coverage information with every price quote. If you compare different coverage information then you won’t be able to determine which rate is truly the best.

Is there deception in advertising?

Consumers get pounded daily by advertisements that promise big savings for switching from the likes of State Farm, Geico and Progressive. They all seem to make the point about how much you will save if you change your policy.

But how can every company give you a lower rate?

All companies offer their best rates for the type of driver that will be a good risk. For example, a preferred risk may be over the age of 40, has had continuous coverage, and drives less than 10,000 miles a year. A customer who fits that profile will probably get the lowest prices and therefore will pay quite a bit less when switching companies.

Drivers who don’t qualify for these standards will be charged higher premiums and this can result in the customer not buying. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can claim big savings.

Because of the profiling, you really should compare quotes as often as possible. It’s just not possible to know which car insurance company will provide the lowest rates.

Auto Insurance Discounts

Auto insurance is expensive, but there could be significant discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be asked about before you get the savings.

• Defensive Driver Discounts – Successfully completing a defensive driver course could save 5% or more depending on where you live.
• Professional Organizations – Joining qualifying clubs or civic groups can get you a small discount when shopping for auto insurance.
• Driver’s Ed – Require your teen driver to take driver’s ed class in school.
• Use Seat Belts – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Paper-free Discount – A handful of auto insurance companies will provide an incentive shop insurance on their website.

Consumers should know that most credits do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

Insurance companies that possibly offer these discounts include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

Before purchasing a policy, check with each company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in every state. To see a list of companies that can offer you the previously mentioned discounts, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

• How do I buy GAP insurance?
• Is my camper covered by my car insurance policy?
• If I drive on a suspended license am I covered?
• What companies insure drivers after a DUI or DWI?
• Should I carry comprehensive and collision coverage?
• Why does it cost so much to insure a teen driver?
• Is business equipment covered while in my vehicle?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like legal defense fees, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, hail damage, rock chips in glass, damage from getting keyed and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like rolling your car, hitting a parking meter, damaging your car on a curb, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Shop. Compare. Save.

There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent agents. Lower-priced 2011 Nissan Sentra insurance is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money.

In this article, we covered quite a bit of information on how to lower your 2011 Nissan Sentra insurance premium rates. The most important thing to understand is the more times you quote, the better likelihood of getting cheap insurance. You may be surprised to find that the best price on auto insurance is with the smaller companies. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

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

• Bodily Injury Coverage (Liberty Mutual)
• Who Has the Cheapest Lubbock Car Insurance for a Nissan Sentra? (LubbockCoverage.com)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)