Lower Your 1998 Nissan Sentra Car Insurance Rates

Are you at wits end from scraping the payment together each month for car insurance? Your situation is no different than many other drivers.

Insurance companies such as GEICO, Farmers Insurance and State Farm constantly bombard you with ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

Consumers need to compare prices at least once a year because prices tend to go up over time. Just because you found the best rates on Sentra coverage a couple years back you will most likely find a better rate quote today. There is lot of inaccurate information about car insurance online, but I’m going to show you some great ways to lower your car insurance rates.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Buying car insurance is not that difficult. But drivers do need to know the way companies determine prices because it can help you find the best coverage.

What determines Nissan Sentra insurance prices?

The best way to find cheaper insurance is to take a look at some of the elements that help calculate your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that can earn you better insurance rates.

  • What are your comp and collision deductibles? – Physical damage protection, also called comprehensive and collision insurance, protects your Nissan from damage. Some examples of covered claims are a dented fender, damage caused by hail, or theft. Physical damage deductibles tell how much you are willing to pay if the claim is covered. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on Sentra coverage.
  • Do females or males drive better? – Over the last 30 years, statistics show that females tend to be a little less risky than males. Now that doesn’t mean females are better at driving than males. They both have auto accidents at a similar rate, but males have accidents that have higher claims. Men also tend to get higher numbers of serious violations like DUI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore are the most expensive to insure.
  • Youthful vs. experienced drivers – More mature drivers tend to be more responsible, are lower risk to insure and are safer drivers.Youthful drivers have a tendency to get distracted easily when driving with friends so they pay higher insurance rates.
  • Lower premiums for safer vehicles – Safer cars cost less to insure. Highly rated vehicles protect occupants better and fewer injuries translates directly to fewer claims and more competitive rates for policyholders. If the Nissan Sentra is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Never let your insurance policy lapse – Driving without insurance is illegal and your next policy will cost more because you let your coverage have a gap. Not only will you pay higher rates, the inability to provide proof of insurance will get you fines and 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 occupation may affect prices – Do you have a high-stress occupation? Careers like military generalspolice officers and dentists tend to pay higher premium rates attributed to high stress and lengthy work days. On the other hand, careers like scientists, historians and homemakers generally pay rates lower than average on Sentra coverage.
  • Rural vs Urban Areas – Living in smaller towns and rural areas of the country may provide you with better prices when buying insurance. Drivers in populated areas regularly have more traffic problems and more severe claims. Fewer drivers means fewer accidents in addition to fewer liability claims.
  • Avoid unnecessary add-on coverages – There are many extra bells and whistles that you can get tricked into buying if you don’t pay attention. Things like vanishing deductibles, better glass coverage, and membership fees may not be needed and are just wasting money. These may sound like a good investment when deciding what coverages you need, but your needs may have changed so eliminate the coverages to reduce your premium.

Compare free car insurance quotes

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you can utilize the web to achieve your goal.

Most car insurance companies belong to an insurance system where prospective buyers submit one quote, and every company provides a quote. This prevents consumers from doing quotation requests to each company.

To compare rates now click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify which insurance companies to get quotes from. If you prefer to choose specific providers for rate comparison, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, try to use nearly identical coverage limits and deductibles with each company. If you compare differing limits it’s impossible to truly determine the lowest rate. Just slight variations in coverage limits could skew the results. It’s important to know that comparing more quotes will enable you to find more affordable rates.

Save with with these discounts

Car insurance companies don’t list their entire list of discounts very well, so the below list has a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

  • Active Military Service – Having a deployed family member could qualify you for better premium rates.
  • College Student Discount – College-age children who are enrolled in higher education away from home and do not have a car may be able to be covered for less.
  • Discount for Life Insurance – Some insurance companies give better premium rates if you take out a life policy as well.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance coverage quote. You can use this discount normally well after school through age 25.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

You should keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance policy, you aren’t that lucky.

Large insurance companies and a summarized list of policyholder discounts include:

  • Esurance offers discounts including homeowner, anti-lock brakes, Switch & Save, multi-car, and anti-theft.
  • The Hartford discounts include vehicle fuel type, good student, driver training, bundle, anti-theft, defensive driver, and air bag.
  • AAA has discounts for multi-policy, pay-in-full, good driver, education and occupation, multi-car, anti-theft, and AAA membership discount.
  • GEICO includes discounts for driver training, air bags, anti-theft, federal employee, multi-vehicle, and military active duty.
  • State Farm has savings for multiple policy, good driver, safe vehicle, defensive driving training, and accident-free.

Double check with all the companies the best way to save money. Some credits might not be offered on policies everywhere. For a list of companies that provide some of the discounts listed above, click here.

Your situation helps dictate your coverage

When choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Is business property covered if stolen from my car?
  • What is the minimum liability in my state?
  • Do I really need UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • If my pet gets injured in an accident are they covered?
  • Does my car insurance cover rental cars?
  • Should I have combined single limit or split liability limits?
  • Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage basics

Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 1998 Nissan Sentra.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, prosthetic devices, EMT expenses, dental work and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane, theft, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like attorney fees, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your Sentra caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, scraping a guard rail, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

In Summary

In this article, we covered a lot of information how to shop for 1998 Nissan Sentra insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even find the biggest savings come from a small local company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

Lower-priced 1998 Nissan Sentra insurance can be found on the web and also from your neighborhood agents, and you should compare rates from both to have the best selection. Some insurance providers do not provide rates over the internet and many times these regional carriers only sell coverage through independent agents.

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