2012 Nissan Sentra Insurance Rates – 8 Savings Tips

Want lower insurance rates for your Nissan Sentra? Feel like you’re a prisoner to high-priced insurance? Believe me when I say many drivers feel the same as you.

Consumers have many auto insurance companies to purchase coverage from, and although it’s nice to be able to choose, it makes it harder to compare company pricing.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to cut their insurance bill. But drivers must comprehend how insurance companies compete online and apply this information to your search.

Save with these eight discounts

Car insurance companies don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the following list contains some of the best known and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Multi-car Discount – Having multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
  • Discounts for Federal Employees – Having worked for a branch of the government could cut as much as 10% off for Sentra coverage but check with your company.
  • Smart Student Discounts – Getting good grades may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Telematics Devices – Policyholders that allow driving data collection to scrutinize driving patterns through the use of a telematics system like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.
  • College Student Discount – Any of your kids who live away from home at college and do not take a car to college may qualify for this discount.
  • Active Military Service – Having an actively deployed family member could qualify you for better prices.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes are much safer to drive and will save you 10% or more.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A few popular companies and their possible discounts are included below.

  • Farmers Insurance may have discounts that include mature driver, homeowner, electronic funds transfer, teen driver, early shopping, pay in full, and multi-car.
  • Esurance offers premium reductions for safety device, defensive driver, online shopper, good student, and claim free.
  • State Farm offers discounts for multiple autos, good driver, Drive Safe & Save, safe vehicle, and anti-theft.
  • Geico discounts include multi-policy, military active duty, multi-vehicle, membership and employees, anti-lock brakes, and five-year accident-free.
  • Allstate has discounts for safe driver, early signing, economy car, utility vehicle, and senior citizen.

If you need affordable auto insurance quotes, ask each insurance company what discounts are available to you. A few discounts may not be available in every state. If you would like to see a list of insurers that provide some of the discounts listed above, click here.

The best way we recommend to get policy rate comparisons is to know the fact auto insurance companies allow for online access to quote your coverage. All consumers are required to do is provide information like the ages of drivers, your job, if you require a SR-22, and whether your vehicle is owned or leased. Those rating factors is sent automatically to multiple different insurance companies and you receive quotes with very little delay.

To compare multiple company rates now, click here and enter the information requested.

Special considerations

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight if your situation could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the difference between comprehensive and collision coverage?
  • Do I need replacement cost coverage?
  • Which is better, split liability limits or combined limits?
  • What if I owe more than I can insure my car for?
  • Can my teen drive my company car?
  • Is motorclub coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Information about specific coverages

Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, ambulance fees, dental work, pain medications and EMT expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This covers 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 things such as hail damage, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Nissan Sentra.

Since a lot of 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 important protection for you and your family.

Auto liability

Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, medical expenses, repair bills for other people’s vehicles, funeral expenses and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, hitting a parking meter, hitting a mailbox, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

More comparisons equals lower rates

The cheapest 2012 Nissan Sentra insurance can be found both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

We’ve covered quite a bit of information on how to lower your 2012 Nissan Sentra insurance rates. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the best rates are with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Additional detailed information is located in the articles below:

Comments About 2012 Nissan Sentra Insurance

  1. Malena Flynn

    I live just outside Baton Rouge, Louisiana. Compared rates from a lot of places. Saved right around $30 a month. State Farm was the best choice for me. Left Safeco to switch.

  2. Latoria Page

    Cheapest quote for my 2012 Nissan Sentra was with Esurance. I just quoted rates online.

  3. Pat Porter

    I got decent rates for a 2012 Nissan Sentra in Albuquerque, NM. Ended up at right around $280 every six months with Auto-Owners. Even increased coverage a bit. I just quoted rates online.

  4. Lael Christensen

    Found cheapest coverage with Nationwide for my Nissan and am saving around $400 a year. I have kids on my policy, too. :P

  5. Janis Reeves

    Can I get replacement cost coverage for a 2012 Nissan Sentra?

  6. Rene Rowe

    Good detail in your article. From Owensboro, Kentucky. I don’t recall every quote but I ended up saving about $30 each month. Left Sentry to switch. Got better coverage too. I used their online quote form to compare rates.