Lower Your 2008 Nissan Sentra Car Insurance Quotes

Consumers have lots of choices when looking for low-cost Nissan Sentra insurance. They can either spend hours contacting agents to compare prices or save time using the internet to make rate comparisons. There are both good and bad ways to buy insurance coverage so you’re going to learn the quickest way to price shop coverage for a new or used Nissan and locate the lowest price either online or from local insurance agents.

It’s a good habit to do rate comparisons yearly since prices are adjusted regularly by insurance companies. Just because you had the best rates for Sentra insurance at your last renewal you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance coverage because you’re going to learn one of the quickest ways to save money, get proper coverage and the best rates.

Don’t overlook these insurance coverage discounts

Some providers don’t always list all available discounts in a way that’s easy to find, so the list below contains both well-publicized and the harder-to-find credits available to bring down your rates.

• New Car Discount – Insuring a vehicle that is new can save up to 30% due to better safety requirements for new vehicles.
• No Claims – Drivers with accident-free driving histories get the best insurance coverage rates in comparison with accident-prone drivers.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
• Telematics Discount – Policyholders that allow their company to look at driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
• Membership in Organizations – Having an affiliation with qualifying clubs or civic groups can get you a small discount when shopping for insurance coverage.
• No Charge for an Accident – This one isn’t a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
• Home Ownership Discount – Owning a home may trigger a policy discount on insurance coverage because it shows financial diligence.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most cut individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, you’re out of luck.

A list of insurance coverage companies and some of the discounts are:

• Geico discounts include multi-vehicle, membership and employees, air bags, daytime running lights, five-year accident-free, emergency military deployment, and federal employee.
• USAA has savings for driver training, new vehicle, family discount, annual mileage, defensive driver, and good student.
• Progressive offers premium reductions for homeowner, online signing, multi-vehicle, online quote discount, and continuous coverage.
• American Family policyholders can earn discounts including multi-vehicle, bundled insurance, Steer into Savings, good driver, and mySafetyValet.
• Esurance offers discounts for safety device, good driver, renters, multi-policy, Pac-12 alumni, DriveSense, and Switch & Save.
• Farmers Insurance may include discounts for distant student, switch companies, business and professional, homeowner, multi-car, and good student.
• State Farm has discounts for good student, safe vehicle, passive restraint, anti-theft, and good driver.

If you need low cost car insurance quotes, ask each insurance company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your area. To find companies that provide some of the discounts listed above, click this link.

Low cost auto insurance quotes

Reducing your 2008 Nissan Sentra insurance rates is actually easier than you may think. You just need to spend a few minutes on the computer comparing price quotes to find the company with cheap car insurance quotes. You can get a good selection of rate quotes in several different ways.

1. The fastest way to get quotes would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate quotation requests to each individual auto insurance company. One form submission will get you rate comparisons instantly. This is by far the quickest method.
2. A less efficient way to find better pricing requires a visit to each individual company website to complete their respective quote request forms. For examples sake, we’ll assume you want rates from State Farm, Esurance and Farmers. To get rate quotes you would need to spend time on each company’s site and repeatedly type in your coverage information, which can take a lot of time.

   For a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing identical coverages on every quote you get. If the quotes have higher or lower deductibles it’s impossible to find the best deal for your Nissan Sentra.

Choices you make can impact your insurance rates

It’s important that you understand some of the elements that aid in calculating your premiums. When you understand what determines base rates, this enables informed choices that can help you get lower rates. Lots of factors are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are not as apparent like your vehicle usage or how safe your car is.

The list below includes some of the major factors used by companies to determine your prices.

• Cars with good safety ratings lower prices – Vehicles that have high safety ratings can get you lower premiums. Safer cars reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates.
• Reserve auto insurance claims for larger damages – If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance companies award most affordable rates to people who do not file claims often. Your insurance policy is designed for the large, substantial claims.
• Advanced alarm systems – Buying a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
• Keep the miles off and save – Driving a lot of miles each year the higher your rates will be. Almost all companies charge to insure your cars determined by how the vehicle is used. Autos that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance policy properly reflects the right rating data. Having the wrong rating on your Sentra is throwing money out the window.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions might point out whether you could use an agent’s help.

• Is my business laptop covered if it gets stolen from my vehicle?
• Exactly who is provided coverage by my policy?
• Do I get a pro-rated refund if I cancel my policy early?
• Are split liability limits better than a combined single limit?
• When should I buy a commercial auto policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is the ISO rating for a 2008 Nissan Sentra?
• Is upholstery damage covered by car insurance?
• Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Big names are not always cheapest

Consumers can’t escape the ads for the lowest price insurance by companies like 21st Century, Allstate and State Farm. They all seem to tend to make the same promise about saving some big amount if you get a free car insurance quote and switch to them.

How does each company have lower policy pricing?

Many companies quote the lowest rates for the type of driver that earns them the highest profit. One example of a desirable risk may need to be over the age of 40, has never had a policy lapse, and has great credit. Any new insured that fits those parameters may get the lowest premium rates and will probably save some money.

Consumers who do not meet the requirements will see higher prices and this can result in business not being written. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can confidently claim big savings. Because of these techniques, drivers must compare as many free car insurance quotes as you can. Because without a comparison, you cannot know which company will have the best car insurance rates.

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage – This coverage covers damage to your Sentra caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, hitting a parking meter, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability coverages – Liability insurance can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like attorney fees, funeral expenses, bail bonds, medical services and legal defense 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.

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

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle, falling objects, damage from flooding and a broken windshield. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like prosthetic devices, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Have money to burn

Some insurance companies may not offer the ability to get a quote online and most of the time these small insurance companies only sell through independent insurance agencies. Cheap 2008 Nissan Sentra insurance can be found on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from.

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, policy non-renewal and lack of trust in their agent. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

When getting car insurance quotes online, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

Even more information can be read by following these links:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Who Has Cheap Car Insurance Rates for a Nissan Sentra in Chandler? (ChandlerCoverage.com)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Frontal Crash Tests (iihs.org)
• Event Data Recorders FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)