2014 Nissan Sentra Car Insurance Rates – 6 Discounts for Best Quotes

Want cheaper car insurance rates for your Nissan Sentra? No one in their right mind enjoys paying for car insurance, especially when they are aware that they could find better rates elsewhere. You have so many auto insurance companies to insure vehicles with, and although it’s nice to have a selection, having more car insurance companies makes it harder to compare rates.

It’s smart to quote other rates every six months due to the fact that insurance rates go up and down regularly. Just because you found the best deal for Sentra insurance at your last renewal you can probably find a lower rate today. There are lots of tips to save on car insurance on the web, but you can learn some tested techniques to find affordable car insurance.

The purpose of this post is to teach you how to get online quotes. If you are paying for car insurance now, you should be able to save some money using these techniques. Drivers only need to know the proper methods to shop for insurance coverage online.

Compare insurance quotes

Most of the larger companies provide insurance quotes on their websites. The process is pretty easy because you just enter your coverage information as requested by the quote form. Upon sending the form, the company’s rating system makes automated requests for information on your driving record and credit history and generates pricing information based on these and other factors. Online price quotes simplifies rate comparisons, but having to visit each company’s website and repetitively complete many quote forms is a waste of time. But it’s very important to get many rate quotes in order to get a lower rate.

The easiest way to find cheaper rates makes use of a single form to return rates from several different companies. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, it is rated and you can select any of the pricing results.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

To quickly compare pricing, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you copy deductibles and limits as close as possible to your current policy. Doing this guarantees you will have rate comparison quotes using the exact same coverages.

Don’t overlook these six car insurance discounts

Companies offering auto insurance don’t always advertise the entire discount list very clearly, so the next list breaks down some of the best known in addition to some of the lesser obvious discounts that may be available. If you do not check that you are getting every discount available, you could be paying more than you need to.

• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts could see savings up to 30%.
• New Vehicle Savings – Buying a new car instead of a used car can save you some money because new model year vehicles have to meet stringent safety requirements.
• Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Driver Training Discounts – Completing a driver safety class could possibly earn you a 5% discount and easily recoup the cost of the course.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.

Discounts lower rates, but some of the credits will not apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

To find insurers that can offer you the previously mentioned discounts, click this link.

When to get professional advice

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine if your insurance needs may require specific advice.

• Does my 2014 Nissan Sentra qualify for pleasure use?
• Is a fancy paint job covered?
• What are the best liability limits?
• Are rental cars covered under my policy?
• Can I afford low physical damage deductibles?
• When can I cancel my policy?
• Do I really need UM/UIM coverage?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Information about specific coverages

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Sentra caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, colliding with a tree, scraping a guard rail, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Liability coverages – Liability insurance will cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, theft, a broken windshield, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as EMT expenses, prosthetic devices, X-ray expenses and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 2014 Nissan Sentra.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.