1996 Nissan Sentra Insurance Cost – 10 Ideas for Cheapest Prices

Trying to find lower insurance rates for your Nissan Sentra? When looking for lower-priced insurance, do you get confused by the sheer number of insurance sources? You’re not alone. You have so many sources to choose from that it can really be a challenge to compare prices.

It’s a great practice to check insurance prices before your policy renews since rates are rarely the same from one policy term to another. Even if you got the best deal for Sentra insurance on your last policy other companies may now be cheaper. There is a lot of wrong information about insurance online, but I’m going to show you some tested techniques to save money.

Locating the lowest cost auto insurance coverage is quite easy. Essentially everyone who buys auto insurance will most likely be able to lower their premiums. But drivers must comprehend the way companies price online insurance and use this information to your advantage.

The best way to compare car insurance rates utilizes the fact almost all companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is provide details such as whether your vehicle is owned or leased, an estimate of your credit level, the type of vehicles you drive, and level of coverage desired. That rating information is instantly provided to many highly-rated insurers and they return quotes within a short period of time.

Are you receiving every discount?

Some companies don’t always list every discount in an easy-to-find place, so the following is a list of both well-publicized and the more hidden credits available to bring down your rates.

• Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a break if you buy a life policy as well.
• Senior Citizen Rates – Drivers that qualify as senior citizens may receive a small decrease in premiums for Sentra insurance.
• Data Collection Discounts – People who choose to allow their insurance company to study when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
• Bundle and Save – When you combine your home and auto insurance with the same company you could save at least 10% off all policies.
• Driver Education Discount – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Full Payment Discount – By making one initial payment rather than spreading payments over time you could save up to 5%.
• Student in College – Youth drivers who live away from home at college and leave their car at home may be insured at a cheaper rate.
• Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Sentra insurance but check with your company.
• Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates for Sentra insurance than drivers with accident claims.
• Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way.

Some of the insurance companies who might offer these benefits may include but are not limited to:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

When comparing rates, check with every prospective company how you can save money. Discounts may not apply to policies in your area.

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When in doubt talk to an agent

When it comes to choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different.

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

• Why do I only qualify for high-risk insurance?
• Do I need an umbrella policy?
• Can my teen drive my company car?
• When can my company non-renew my policy?
• Can I get a multi-policy discount?
• Why is insurance for a teen driver so high?
• Is my business laptop covered if it gets stolen from my vehicle?
• Which is better, split liability limits or combined limits?
• Why am I required to buy liability insurance?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Why you might not save $456 a year

Respected companies like Allstate and Progressive regularly use ads in print and on television. They all make the same claim about saving some big amount if you switch your policy. How does each company charge less that you’re paying now? You have to listen carefully.

Companies have a preferred profile for a prospective insured that earns them the most money. An example of a desirable risk should be between the ages of 30 and 45, owns their home, and drives a lower-performance vehicle. Anyone that matches those criteria will get a cheap rate quote and will save quite a bit of money when switching.

People who cannot meet the requirements will be quoted more expensive rates which usually ends up with the customer not purchasing. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can make the claims of big savings.

This really drives home the point why you need to compare as many free auto insurance quotes as you can. It’s impossible to know which insurance company will have the lowest prices for your situation.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

This will cover damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, pain and suffering and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Sentra.

Because many people 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. Usually these limits are identical to your policy’s liability coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses for things like ambulance fees, rehabilitation expenses, pain medications and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all 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

Make a quick buck

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage only to discover later that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Consumers who switch companies do it for many reasons like high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer or policy non-renewal. It doesn’t matter why you want to switch switching car insurance companies is not as hard as you think.

Throughout this article, we presented a lot of tips how to shop for 1996 Nissan Sentra insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest premium rates come from a small local company.

Other information

• Distracted Driving (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)

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