1997 Nissan Sentra Insurance Cost

Wish you could get out of an underperforming, overpriced auto insurance policy? Believe me, many consumers are in the same pinch. Drivers have so many car insurance companies to pick from, and although it’s nice to have a choice, it can be more difficult to locate the cheapest rates.

Smart consumers take time to compare rates before your next renewal due to the fact that insurance prices are variable and change quite frequently. Even if you got the lowest rates for Sentra insurance six months ago you will most likely find a better rate quote today. You can search a lot of auto insurance online, but I’m going to show you a lot of great tips on how to reduce your auto insurance bill.

How to compare insurance price quotes

Finding low cost 1997 Nissan Sentra insurance rates is an easy way to save money. The only requirement is to take a couple of minutes comparing price quotes to discover which company has cheaper auto insurance quotes. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The best way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating separate quotes for every insurance company. In just a few minutes this one form gets coverage cost estimates direct from many companies.
  2. A different way to analyze rates consists of visiting the website for every company you want to comare and go through the quote process again. For instance, let’s assume you want comparison quotes from Auto-Owners, Liberty Mutual and Farmers. You would be required to spend time going to each site individually and punch in your information repeatedly, which is why first method is reommended. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples quote information on every quote you get. If you use different values for each quote it’s not possible to make a fair comparison for your Nissan Sentra.

Advertising and insurance coverage

Drivers can’t avoid all the ads that claim the lowest car insurance rates by Allstate, GEICO and Progressive. All the companies advertise claims that drivers will save a bundle just by switching your coverage.

How is it plausible that every one can cost less than your current company? It’s all in the wording.

Companies quote their best rates for the type of driver that will most likely be profitable. For instance, a desirable insured may need to be over the age of 35, has a clear driving record, and drives a vehicle with a low ISO rating. Any new insured who matches that profile will most likely get cheap prices and is almost guaranteed to save some money.

Consumers who are not a match for those criteria will be quoted a higher rate which usually ends up with the customer not purchasing. If you pay attention, the ads say “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can claim big savings.

That is why you absolutely need to quote coverage with many companies. Because without a comparison, you cannot know the company that will have the lowest rates for your situation.

What affects Nissan Sentra insurance rates?

Many different elements are used in the calculation when you get your auto insurance bill. Some are obvious such as your driving record, although others are more obscure such as whether you are married or how financially stable you are.

Shown below are most of the major factors used by your company to calculate prices.

  • Never let your auto insurance policy lapse – Having a lapse in insurance coverage can be a sure-fire way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance might get you a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Age of drivers – Older drivers tend to be more responsible, tend to file fewer claims , and usually have better credit.Youthful drivers have a tendency to be careless and easily distracted when driving therefore auto insurance rates are much higher.
  • Eliminate extra policy coverages – There are a ton of additional coverages that can add up but may not be useful. Add-on coverages like vanishing deductibles, death and dismemberment, and Farm Bureau memberships are probably not needed. These coverages may sound good initially, but your money might be better spent on other coverage so get rid of them and save.
  • Bump up physical damage deductibles to lower rates – The deductibles you choose define how much you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, hail damage, and damage from wind. The more expense you pay before a claim is paid (deductible), the less your auto insurance will be for Sentra insurance.
  • Know your vehicle’s NHTSA crash test rating – Cars with high safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums.
  • Save money with GPS tracking and theft deterrents – Driving a car that has a built-in theft deterrent system can help lower your rates. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your car from being stolen.
  • Annual mileage and car insurance costs – The more you drive your Nissan annually the higher your rates will be. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. It’s a smart idea to ensure your policy is rated on how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Sentra may be wasting your money.

Discount insurance quotes

Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so the list below gives a summary of some of the best known and also the lesser-known savings tricks you should be using when you buy auto insurance online. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Resident Student – who are attending college and don’t have a car may qualify for this discount.
  • Early Signing – Some larger companies give discounts for signing up prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Sentra insurance with certain companies.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can save up to 30% since newer models are generally safer.
  • Organization Discounts – Joining a civic or occupational organization may earn a discount on your policy.

A quick disclaimer, some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

If you would like to view insurance companies that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there is no one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions can help discover if you could use an agent’s help.

  • What is UM/UIM insurance?
  • What is the difference between comprehensive and collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy full coverage?
  • Am I getting all the discounts available?
  • Is my custom paint covered by insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I hit a deer?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like bail bonds, funeral expenses, court costs, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Nissan Sentra.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, a broken windshield, hitting a bird and damage from getting keyed. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance covers damage to your Sentra caused by collision 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 hitting a mailbox, crashing into a ditch, backing into a parked car, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like funeral costs, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Be a money saver!

There are still a few companies who may not offer rates over the internet smaller companies sell through local independent agencies. Budget-conscious 1997 Nissan Sentra insurance is possible from both online companies as well as from independent agents, and you should compare rates from both so you have a total pricing picture.

When shopping online for car insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced full coverage only to find out that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

In this article, we presented some good ideas how you can lower your 1997 Nissan Sentra insurance prices. It’s most important to understand that the more you quote auto insurance, the better your chances of lowering your rates. Consumers may even find the best prices are with a small mutual company. These companies often have lower rates on specific markets than their larger competitors like State Farm and Allstate.

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