2018 Nissan Sentra Car Insurance Quotes

Want the cheapest insurance coverage rates for your Nissan Sentra? Are you burned out from paying out the nose to pay high insurance coverage rates every month? You’re in the same situation as many other people. Because you have many companies and agents to choose from, it can be diffult for drivers to find the lowest cost insurance coverage provider.

Finding affordable coverage is not that difficult. If you are insured now or need a new policy, you can use this information to shop for the lowest rates and still get good coverage. Drivers just need to understand the proper way to shop over the internet.

How to get insurance coverage quotes

Reducing your 2018 Nissan Sentra insurance rates is surprisingly easy. You just need to spend a few minutes on the computer comparing rate quotes online from several insurance companies. It’s really simple and can be done in several different ways.

• Without a doubt, the easiest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing boring form submissions for every prospective company. In just a few minutes this one form gets you coverage quotes from many national carriers.
• A harder way to analyze rates consists of visiting the website for every company you want to comare and complete a new quote form. For example, we’ll assume you want to view quotes from Liberty Mutual, 21st Century and American Family. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which can take a lot of time.

  To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare exactly the same coverage information on every quote you get. If each company quotes different values for each quote it will be impossible to determine the best price for your Nissan Sentra.

Verify you’re earning every discount

Some insurers don’t necessarily list their entire list of discounts very clearly, so the next list breaks down a few of the more common and the more hidden credits available to you.

• Homeowners Pay Less – Just owning your own home may trigger a policy discount on auto insurance because it is proof of financial responsibility.
• Driver Education Discount – Require your teen driver to take driver’s ed class in high school.
• Policy Bundle Discount – When you combine your auto and home insurance with the same company you may save 10% to 20% off each policy.
• Save with a New Car – Insuring a vehicle that is new is cheaper due to better safety requirements for new model year vehicles.
• Switch and Save Discount – Some larger companies reward drivers for switching companies before your current policy expires. This discount can save up to 10%.
• No Charge for an Accident – but a handful of insurance companies may permit one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
• Organization Discounts – Joining a civic or occupational organization is a simple method to lower premiums on your bill.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will positively reduce the amount you have to pay.

A list of companies and some of their more popular discounts are included below.

• Geico includes discounts for emergency military deployment, air bags, seat belt use, daytime running lights, defensive driver, and membership and employees.
• MetLife discounts include defensive driver, accident-free, good student, good driver, multi-policy, and claim-free.
• State Farm may offer discounts for Steer Clear safe driver discount, driver’s education, passive restraint, good student, multiple policy, and accident-free.
• Progressive offers discounts including homeowner, multi-vehicle, good student, online signing, and continuous coverage.
• Mercury Insurance offers premium reductions for age of vehicle, low natural disaster claims, professional/association, multi-policy, and type of vehicle.
• 21st Century may include discounts for anti-lock brakes, automatic seat belts, teen driver, student driver, and 55 and older.
• Allstate offers discounts for utility vehicle, multi-policy, premier discount, good student, and resident student.

If you need lower rates, check with each company which discounts they offer. Some credits may not apply to policyholders in your area.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine whether or not you would benefit from professional advice.

• Are my friends covered when driving my 2018 Nissan Sentra?
• Why do I need rental car insurance?
• Should I carry comprehensive and collision coverage?
• Does my liability insurance cover pulling a trailer or camper?
• What is medical payments coverage?
• What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, 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.

Coverage specifics

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Coverage for collisions

This coverage 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 the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, pain and suffering, structural damage, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like EMT expenses, hospital visits, rehabilitation expenses, pain medications and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage