How Much Does 1993 Nissan Sentra Insurance Cost?

Searching for cheaper insurance coverage rates for your Nissan Sentra? Locating cheaper insurance for your Nissan Sentra can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are more efficient ways to find insurance coverage online so you’re going to learn the proper way to quote coverages for your Nissan and find the best price possible from both online companies and local agents.

You should make it a habit to do rate comparisons before your next renewal because insurance coverage rates tend to go up over time. Just because you had the best deal on Sentra insurance on your last policy a different company probably has better prices today. There is lot of inaccurate information about insurance coverage online but you can learn some good information on how to quit paying high insurance coverage rates.

How to lower your insurance coverage cost

Cutting your insurance coverage rates is an easy way to save money. All you need to do is spend a few minutes comparing free insurance coverage quotes to see which company has low cost insurance coverage quotes. This can be accomplished using a couple different methods.

Hands down the most simple method consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating boring form submissions for every company. One form submission gets insurance cost estimates from insurance coverage companies with the best prices. Recommended for those who want to invest the least amount of time.

A more time consuming way to obtain and compare quotes online consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s assume you need rates from Liberty Mutual, Allstate and GMAC. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker. For a list of companies in your area, click here.

Take whichever approach you prefer, but make sure you use identical coverages on every quote you get. If you have different liability limits it will be nearly impossible to make an equal comparison.

Components of your Nissan Sentra insurance prices

A large part of saving on insurance coverage is knowing some of the things that help calculate the price you pay for insurance coverage. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with big savings. Lots of factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but some are more obscure like your vehicle usage and annual miles driven.

  • Liability insurance limits should be high – Your policy’s liability coverage will protect you when a jury decides you are liable for damages from an accident. It will provide you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Deter vehicle theft – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder car theft and help bring rates down.
  • Physical damage deductibles – Comp and collision deductibles tell how much you are willing to pay out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage, aka comp and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Sentra insurance.
  • Bad drivers pay high premiums – Having just one ticket could increase your next policy renewal to the point where it’s not affordable. Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Multi-policy discounts can save money – Most insurance companies allow discounts for people that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to check prices from other companies to verify if the discount is saving money. It’s possible to still save more without the discount even if you have your coverage with different companies
  • Keep insurance coverage claims to a minimum – Companies give the lowest premiums to policyholders who do not file claims often. If you file a lot of claims you can definitely plan on higher rates. Your car insurance is intended for claims that you cannot pay yourself.
  • Never let your insurance coverage policy lapse – Allowing your coverage to lapse can be a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance could earn you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Your location is important – Residing in less populated areas has definite advantages when trying to find low car insurance rates. Less people living in that area translates into fewer accidents and a lower car theft rate. Drivers in populated areas have more aggressive driving styles and more time behind the wheel. More time on the road means more chance of being in an accident.

Do you qualify for discount insurance coverage?

Insurance can cost an arm and a leg, but there may be some discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of quoting, but some may not be applied and must be specially asked for prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are just wasting money.

  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in high school.
  • Multiple Policy Discount – If you have multiple policies and place coverage with the same company they may give you a discount of approximately 10% to 15%.
  • Senior Citizen Rates – Seniors could receive better insurance coverage rates on Sentra insurance.
  • College Student – Any of your kids who live away from home to go to college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Early Switch Discount – Some insurance coverage companies provide a discount for signing up early. The savings is around 10%.
  • New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for newer models.
  • Discounts for Multiple Vehicles – Buying a policy with several vehicles with the same insurance coverage company can reduce rates for all insured vehicles.
  • Membership in Organizations – Being in specific professional or occupational memberships or organizations could trigger savings on insurance coverage.

You should keep in mind that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, it’s just not the way it works.

Popular insurance coverage companies and some of their more popular discounts are detailed below.

  • Progressive offers premium reductions for online quote discount, good student, online signing, homeowner, continuous coverage, multi-policy, and multi-vehicle.
  • MetLife may have discounts that include good student, accident-free, multi-policy, defensive driver, good driver, and claim-free.
  • Mercury Insurance discounts include anti-theft, type of vehicle, multi-policy, accident-free, and age of vehicle.
  • Nationwide offers discounts including easy pay, family plan, anti-theft, business or organization, and Farm Bureau membership.
  • GEICO offers discounts for driver training, seat belt use, five-year accident-free, emergency military deployment, daytime running lights, and air bags.
  • AAA has discounts for pay-in-full, good student, AAA membership discount, education and occupation, good driver, multi-policy, and multi-car.

Before you buy a policy, ask every prospective company which discounts they offer. Depending on the company, some discounts may not apply in your area.

What insurance coverages do I need?

When choosing the best car insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • Does car insurance cover theft of personal property?
  • Is my dog or cat covered if injured in an accident?
  • What is high-risk coverage and where do I buy it?
  • When should I not file a claim?
  • Am I covered if I wreck a rental car?
  • How can I find cheaper teen driver insurance?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred 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 a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability – Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as pain and suffering, court costs, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverages – Collision coverage will pay to fix damage to your Sentra resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, X-ray expenses, hospital visits and pain medications. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, hail damage and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

More quotes mean more savings

Consumers change insurance companies for a number of reasons such as high prices, high rates after DUI convictions, being labeled a high risk driver or even delays in paying claims. No matter why you want to switch, finding a great new company can be pretty painless.

When you buy insurance coverage online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at the best cost but still have enough coverage for asset protection.

A few companies do not offer the ability to get quotes online and usually these small, regional companies prefer to sell through independent agencies. Budget-friendly auto insurance is possible on the web and from local insurance agents, and you should be comparing both to have the best rate selection.

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