2001 Nissan Sentra Insurance Rates

Looking for cheaper auto insurance rates for your Nissan Sentra? There isn’t a single person who looks forward to paying premiums for auto insurance, especially when they are aware that the prices are way too high.

Big-name insurance companies like State Farm, Allstate, Geico and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

Learn how to buy auto insurance more affordably

A large part of saving on auto insurance is knowing some of the things that play a part in calculating auto insurance rates. If you have some idea of what determines premiums, this enables informed choices that can earn you lower rates.

Shown below are just a few of the factors used by insurance companies to determine your premiums.

• Poor driving habits leads to higher premiums – Even a single speeding ticket or other violation may cause rates to rise by twenty percent. Good drivers receive lower rates compared to bad drivers. Drivers with severe violations like DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
• Keep rates low by being claim-free – Car insurance companies give the best rates to people who do not file claims often. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended for more catestrophic claims.
• Pleasure use saves money – Driving more miles in a year the more it will cost to insure it. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those used for commuting. It’s always a good idea to double check that your policy is showing the right rating data, because improper ratings can cost you money. Having the wrong rating on your Sentra may be costing you.
• Never have auto insurance lapses – Allowing your coverage to lapse is a sure-fire way to increase your auto insurance rates. Not only will you pay more, not being able to provide proof of insurance will get you fines or a revoked license.
• Does your vocation cost you more? – Do you have a high-stress occupation? Jobs such as military generalsair traffic controllers and miners are shown to have higher average rates due to high stress levels and long work days. On the flip side, careers like farmers, historians and retirees pay the least on Sentra coverage.
• Prevent theft and save – Driving a car with advanced anti-theft systems can earn a premium discount. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
• Men pay more for insurance – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. Males and females cause at-fault accidents in similar percentages, but guys tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Young men ages 16 to 20 are the most expensive to insure and thus pay the highest rates.

Insurance coverage quotes comparison

To get inexpensive insurance coverage quotes, there a variety of ways to compare rate quotes from many insurance coverage companies in your state. The fastest way to find affordable Nissan Sentra insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. One of the simplest ways consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form saves time by eliminating separate quote forms for each company. In just a few minutes this one form compares rates from all major companies.
2. A different way to analyze rates consists of going to the website of each company and request a quote. For instance, let’s say you want rates from Progressive, Liberty Mutual and Geico. You would be required to go to every website to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.
3. Even if you have time, the least recommended method to find cheaper rates is to spend your day driving to and from local insurance agencies. Comparing rate quotes online reduces the need to sit down with an agent unless you require the professional abilities of a local agent. If you prefer, some companies allow you to find lower rates online but buy from a local insurance agent.

It’s up to you which method you use, but be sure to compare identical coverages and limits on every quote. If each company quotes different limits and deductibles on each one you will not be able to determine the lowest rate for your Nissan Sentra. Having just a slight variation in coverages can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes increases your odds of finding a lower rate. Not every company provides online quotes, so you should also compare quotes from the smaller companies as well.

Don’t listen to company ads

State Farm, Allstate and Geico consistently run television, radio, and online ads. All the companies advertise the message about savings if you just switch your coverage. But how can every company save you money? You have to listen carefully.

Auto insurance companies look for specific characteristics for the right customer that is profitable for them. One example of a driver they prefer could possibly be between the ages of 30 and 50, carries full coverage, and drives newer vehicles. Anybody who fits those characteristics will probably get cheap car insurance rates and as a result will probably save money with a new company.

Insureds who are not a match for these criteria will get higher premium rates which leads to business not being written. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can confidently advertise the savings.

Because each company has a different risk profile, it is so important to compare quotes as often as possible. It’s impossible to know which auto insurance company will provide you with the cheapest premium rates.

Find discounts on car insurance

Not many people think insurance is cheap, but there could be significant discounts that can help lower your rates. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be specifically requested before they will apply. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

• College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
• Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
• Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off on Sentra coverage with certain companies.
• Claim Free – Drivers who stay claim-free can earn big discounts in comparison with drivers with a long claim history.
• Paperwork-free – Some companies may give you up to $50 for buying your policy on the web.
• Lower Rates for Military – Having an actively deployed family member could mean lower premium rates.
• Driver’s Ed – Have your child participate in a local driver’s education class if offered at their school.
• Good Student Discount – This discount may save you up to 25%. The good student discount can last up until you turn 25.

As a footnote on discounts, many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way.

To see a list of companies offering car insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover whether you might need professional guidance.

• Do I have newly-aquired coverage?
• Can I afford low physical damage deductibles?
• Is business equipment covered while in my vehicle?
• I have health insurance so do I need medical payments coverage?
• How can I get my company to pay me more for my totalled car?
• Does having multiple vehicles earn me a discount?
• How many claims can I have before being cancelled?
• Should I put collision coverage on all my vehicles?
• What is UM/UIM insurance?
• Is my 2001 Nissan Sentra covered for flood damage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as bail bonds, pain and suffering and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, colliding with another moving vehicle, hitting a mailbox, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, surgery and X-ray expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

In conclusion

Some companies may not offer online price quotes and most of the time these smaller providers only sell through local independent agencies. Cheaper insurance coverage is possible online in addition to many insurance agents, so compare prices from both so you have a total pricing picture.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.

For more information, feel free to visit the resources below:

• Teen Driving and Texting (State Farm)
• Who Has Cheap Auto Insurance for a Nissan Sentra in Kansas City? (KCAutoGuard.com)
• Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Riverside? (QuoteRiverside.com)
• How Much are Auto Insurance Quotes for a Nissan Sentra in Chula Vista? (ChulaVistaCoverage.com)
• Auto Insurance Learning Center (State Farm)
• Safety Belts FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)