View 2017 Nissan Sentra Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Nissan Sentra? Are you burned out from not being able to afford to keep your car insured? You are no different than many other consumers. Insurance companies such as Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with catchy ads and it can be hard to ignore the propoganda and take the time to shop coverage around.

Discounts for affordable insurance coverage quotes

The cost of insuring your cars can be expensive, but there could be significant discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some must be asked for prior to getting the savings.

  • Professional Memberships – Joining a professional or civic organization could earn you a nice discount on your policy.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save nearly 15% which can help you find low cost auto insurance.
  • Accident Waiver – Not necessarily a discount, but certain companies permit an accident without getting socked with a rate hike if you have no claims prior to the accident.
  • Switch and Save Discount – Select larger companies give a discount for buying a new policy prior to your current policy expiration. It can save you around 10%.
  • New Car Discount – Insuring a new car is cheaper because newer models keep occupants safer.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
  • Passive Restraints and Air Bags – Factory options such as air bags could see savings of 25 to 30%.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates in comparison to policyholders that have many claims.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The best insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • State Farm may include discounts for student away at school, multiple autos, safe vehicle, accident-free, Drive Safe & Save, good driver, and anti-theft.
  • Liberty Mutual offers premium reductions for new move discount, new graduate, safety features, newly married, new vehicle discount, good student, and hybrid vehicle.
  • American Family discounts include early bird, TimeAway discount, good student, defensive driver, Steer into Savings, multi-vehicle, and bundled insurance.
  • Progressive policyholders can earn discounts including online signing, continuous coverage, online quote discount, multi-vehicle, good student, multi-policy, and homeowner.
  • Farmers Insurance includes discounts for alternative fuel, bundle discounts, homeowner, youthful driver, business and professional, and early shopping.
  • Auto-Owners Insurance may have discounts that include mature driver, multi-policy, anti-theft, group or association, and air bags.
  • SAFECO has discounts for anti-lock brakes, drive less, accident prevention training, teen safe driver, and teen safety rewards.

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Discounts may not apply to policies in your area. If you would like to see a list of providers offering insurance coverage discounts, click here.

How to buy auto insurance online

Finding a better price on auto insurance is actually quite simple. Just invest a little time getting comparison quotes provided by online insurance companies. Shoppers can get rates using a couple different methods.

  • If you don’t have a lot of time, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each price estimate. Filling out one form will return price quotes direct from many companies.
  • A less efficient way to obtain and compare quotes online requires a trip to the website of each company and get a separate price quote. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, Geico and Allstate. You would need to spend time on each company’s site and type in your information over and over, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use nearly identical coverages and limits for each quote you get. If you enter higher or lower deductibles it’s impossible to find the best deal for your Nissan Sentra.

Smart buyers save more

Many different elements are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, but other factors are more obscure like where you live or your commute time.

The itemized list below are some of the things used by companies to determine prices.

  • Is insurance cheaper for men or women? – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. They both have at-fault accidents at a similar rate, but guys tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations such as DWI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so they pay the highest premiums.
  • Save money with excellent credit – Having a bad credit score is likely to be a major factor in determining your rates. Therefore, if your credit rating could use some work, you could potentially save money when insuring your 2017 Nissan Sentra if you clean up your credit. Insureds that have high credit ratings tend to be better drivers and file fewer claims than those with lower ratings.
  • When should you not file a claims? – If you are the type of insured that files lots of claims don’t be surprised to see higher rates. Companies provide the best rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Big cities have higher prices – Residing in areas with lower population may provide you with better prices when shopping for auto insurance. Fewer drivers and short commutes means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have much more traffic and a longer drive to work. More time commuting means more chances of being involved in an auto accident.

You may need specialized auto insurance coverage

When choosing the best auto insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • Do I need rental car coverage?
  • Can I afford low physical damage deductibles?
  • Who is covered when they drive my 2017 Nissan Sentra?
  • Can I rent a car in Mexico?
  • Does my car insurance cover rental cars?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about car insurance coverages for a Nissan Sentra

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Sentra.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills such as surgery, nursing services, X-ray expenses, rehabilitation expenses and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover 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

Collision insurance

Collision coverage will pay to fix damage to your Sentra resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, sideswiping another vehicle, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, falling objects, vandalism, rock chips in glass and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

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 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

More choices the merrier

We just covered many tips how you can shop for 2017 Nissan Sentra insurance online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates are with an unexpected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

Discount 2017 Nissan Sentra insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and most of the time these regional insurance providers provide coverage only through independent insurance agencies.

When you buy auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Additional car insurance information can be read on the following sites:

Comments About 2017 Nissan Sentra Insurance

  1. Librada Ballard

    What is comprehensive coverage?

  2. Lissette Francis

    Mine is so expensive. I live in a small town just outside of Cranston, Rhode Island. Quoted rates from Progressive, American Family, Erie, and GMAC for my Nissan and I’m now saving $28 a month. I have a teen driver too. I used their online quote form to compare rates.

  3. Helen Marshall

    Corporate greed I’m telling you. I’m just east of Rochester, New York. Got prices from GEICO, Liberty Mutual, and Encompass for my Nissan and saved just over $220 a year. Left Western Auto Insurance to switch. :P

  4. Malinda Leonard

    Can you buy custom paint coverage for a 2017 Nissan Sentra?

  5. Nicole Delaney

    Will Progressive cancel my policy for a liability claim?

  6. Fleta Jennings

    I can’t pay high rates. I live in Frederick, MD. I compared lots of rates. Saved right around $70 a month. GEICO was the cheapest option for me.

  7. Kendal Mack

    Live in the western part of West Valley City, UT. Quoted quotes from AIG Insurance, Eastwood, and Sentry for my Nissan and saved $393 a year. Left GEICO to switch. Ask about discounts. I used their online quote form to compare rates.

  8. Denisse Warner

    Liked the article. Live in the southern part of Salt Lake City, UT. Got car insurance rates from 21st Century, American Family, and some I forget for my Nissan and saved just over $440 a year. I think they have home insurance too.

  9. Jeanette Roy

    Are Allstate or Allstate rates cheaper in Michigan?