2013 Nissan Sentra Insurance Cost – 6 Ideas for Cheapest Prices

Sick and tired of not being able to scrape enough together to insure your Nissan every month? You have the same problem as many other consumers. Consumers have many insurance companies to pick from, and even though it’s nice to have a selection, more choices can make it harder to get the best deal.

You should make it a habit to compare premium rates occasionally due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best premium rates on Sentra coverage a few years ago there may be better deals available now. You can search a lot of insurance coverage online, but you can learn some guaranteed methods to lower your insurance coverage rates.

Pricing the best coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can learn to reduce the price you pay while maintaining coverages. Drivers only need an understanding of the best way to compare price quotes online.

Cheap auto insurance quotes with discounts

Auto insurance companies don’t necessarily list all possible discounts in an easy-to-find place, so the list below gives a summary of some of the more common as well as some of the hidden discounts that may be available.

  • Switch and Save Discount – Some insurance companies give discounts for buying a new policy prior to your current policy expiring. It could save around 10% when you buy insurance online.
  • Accident Free – Insureds who avoid accidents and claims can save substantially when compared with drivers with a long claim history.
  • Onboard Data Collection – Policyholders that allow companies to study driving manner by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Bundle and Save – If you combine your home and auto policies with one insurance company you could get a discount of as much as 10 to 15 percent.
  • Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy some life insurance too.

As a footnote on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, that’s just not realistic.

To choose companies that offer discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Is rental equipment covered for theft or damage?
  • Is a blown tire covered by insurance?
  • Do I have coverage if my license is suspended?
  • Do I need higher collision deductibles?
  • What is the ISO rating for a 2013 Nissan Sentra?
  • Can my babysitter drive my car?
  • How high should my medical payments coverage be?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Big brands don’t always mean big savings

Drivers get pounded daily by advertisements for the lowest price insurance by State Farm, Geico and Progressive. They all advertise claims that you’ll save big just by switching your insurance policy to them.

That’s great but how can every company charge you less for car insurance?

Insurance providers give the cheapest rates for the right customer that will generate a profit. One example of a profitable customer may be married and over the age of 30, has had continuous coverage, and the vehicle is rated for pleasure use. Any customer who fits that profile receives the best car insurance rates and will most likely save a lot of money.

Consumers who are not a match for these criteria will probably be forced to pay a more expensive rate and the customer not buying. If you listen closely, the ads state “people who switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can confidently lure you into getting a quote.

Each company has different criteria, so drivers must get insurance quotes as often as possible. It’s impossible to know which company will have the lowest rate quotes.

Information about specific coverages

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average car insurance policy.

Liability car insurance

This protects you from damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like legal defense fees, attorney fees, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

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

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses for things like surgery, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Nissan Sentra.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Collision insurance

This will pay to fix damage to your Sentra resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, scraping a guard rail, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

And the best car insurance company is…

You just learned some good ideas how you can lower your 2013 Nissan Sentra insurance prices. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive insurance. Consumers may even find the biggest savings come from a smaller regional carrier. They may only write in your state and offer lower rates as compared to the big name companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Some companies do not provide online quoting regional carriers sell through local independent agents. Discount 2013 Nissan Sentra insurance can be purchased both online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from.

More information can be found at these links:

Comments About 2013 Nissan Sentra Insurance

  1. Faustino Colon

    I’ve insured with Allstate for a long time. Pretty cheap in Manchester, NH.

  2. Lani Small

    It all costs too much. I live just to the east of Knoxville, TN. I compared lots of rates. Saved about $40 a month. GEICO was the most affordable for me. I used their online quote form to compare rates.

  3. Bev Anderson

    Does 21st Century have low rates for teen drivers?

  4. Krissy Mullen

    Hope my car insurance gets cheaper. Lifelong resident of Oklahoma City, Oklahoma. Went online for free insurance quotes for a 2013 Nissan Sentra. Ended up at about $570 savings annually. Went with 21st Century. Was with AIG Insurance.

  5. Michel Norton

    I switched to State Farm. Quoted good rates in Lexington, Kentucky. I increased coverages a little too. Just waiting to see how claims go.

  6. Scarlett Velasquez

    Where is cheaper car insurance? From northwest of Dover, Delaware. Got rates from Hartford, Amica, MetLife, and a couple others for my 2013 Nissan Sentra and saved $151 a year. Left State Farm to switch. I have kids on my policy, too. You can get a rate quote online.

  7. Wilber Christensen

    I live just outside Jackson, Mississippi. Went online for free insurance quotes for a 2013 Nissan Sentra. Ended up at about $430 savings annually. Went with GEICO. Was with Western Auto Insurance. BTW speeding tickets are not good.

  8. Leona Riggs

    I found pretty cheap rate quotes for a 2013 Nissan Sentra in Tampa, FL. Ended up at right around $360 every six months with Auto-Owners. Highly recommended.

  9. Luis Little

    I think I’m paying too much. I live east of Burlington, Vermont. Went online for free insurance quotes for a 2013 Nissan Sentra. Ended up at about $270 savings annually. Went with 21st Century.

  10. Nathanial Parrish

    Can you buy custom paint coverage for a 2013 Nissan Sentra?