2003 Nissan Sentra Insurance Rates – 9 Ways to Save

Paying cheaper prices for insurance coverage may be quite difficult for drivers not familiar with quoting and comparing rates online. Because there are so many insurance companies available, it can easily become a real difficult job to find a more affordable company.

Consumers need to shop coverage around at least once a year because insurance coverage rates change regularly. Even if you think you had the lowest premium rates for Sentra insurance six months ago a different company probably has better prices today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the right way to find the best coverage while lowering your premiums.

Buy insurance coverage online

All the larger insurance coverage companies like Allstate, GEICO and Progressive provide prices for coverage online. Obtaining pricing is quite easy as you just type in your coverage preferences as requested by the quote form. Behind the scenes, their system collects your driving record and credit report and generates a price.

Quoting online streamlines rate comparisons, but the time required to go to several different sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to find better prices.

There is an easier way to compare rates

A less time-consuming method to find lower prices requires only one form to get prices from more than one company. The form is fast, requires less work, and makes online shopping much more enjoyable. As soon as the form is sent, your coverage is rated and you are able to buy any of the quote results. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to find out if lower rates are available, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended that you enter the insurance coverages identical to your current policy. This makes sure you’re receiving a price comparison for similar insurance coverage.

Do you really save 40% when you switch?

Popular auto insurance providers such as Allstate, GEICO and Progressive regularly use television, radio, and online ads. All the companies tend to make the same promise that you can save if you just switch your coverage. How is it possible that every company can make the same claim?

Most companies offer their best rates for the type of insured that will add to their bottom line. For instance, this type of driver could possibly be a married female, is a homeowner, and has a short commute. Any customer who matches that profile is entitled to the best price and as a result will probably save if they switch.

Potential customers who don’t measure up to this ideal profile will see a higher premium and this can result in the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can confidently lure you into getting a quote. This illustrates why you should get price quotes at each policy renewal. You cannot predict which company will fit your personal profile best.

Auto insurance discounts help slash rates

Some insurance providers do not list all their discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known ways to save on auto insurance.

  • Low Miles Discount – Maintaining low annual mileage can earn slightly better premium rates than normal.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on the same auto insurance policy can reduce rates for all insured vehicles.
  • Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Policy Bundle Discount – If you insure your home and vehicles with one company you may earn up to 20% and get you affordable insurance coverage.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save a little on medical payment and PIP coverage.
  • Student Discounts – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Discount for Life Insurance – Some insurance carriers give a discounted premium rate on car insurance if you buy some life insurance too.

Don’t be shocked that most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates you can get free auto insurance, you won’t be that lucky.

A list of auto insurance companies and some of the discounts include:

  • Farm Bureau has discounts for safe driver, good student, multi-policy, youthful driver, and multi-vehicle.
  • MetLife discounts include good student, multi-policy, defensive driver, claim-free, and accident-free.
  • Progressive offers discounts for multi-policy, good student, multi-vehicle, online signing, and continuous coverage.
  • AAA offers discounts including multi-policy, multi-car, good driver, AAA membership discount, anti-theft, pay-in-full, and good student.
  • American Family offers premium reductions for early bird, air bags, good student, multi-vehicle, and bundled insurance.
  • GEICO policyholders can earn discounts including federal employee, anti-lock brakes, five-year accident-free, daytime running lights, emergency military deployment, good student, and air bags.
  • State Farm may include discounts for good driver, Steer Clear safe driver discount, defensive driving training, student away at school, and driver’s education.

Double check with every insurance company which discounts they offer. Some credits may not be offered everywhere.

Which is the best insurance coverage?

When buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your insurance needs may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy liability insurance?
  • Does having multiple vehicles earn me a discount?
  • Is my trailer covered?
  • What vehicles should carry emergency assistance coverage?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I wreck a rental car?
  • What are the best liability limits?
  • Does my 2003 Nissan Sentra qualify for pleasure use?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Collision coverage – Collision insurance will pay to fix damage to your Sentra caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, doctor visits, ambulance fees and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Sentra.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, vandalism and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on other people or property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like structural damage, loss of income and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

One last thing

In this article, we presented many tips how you can lower your 2003 Nissan Sentra insurance prices. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the biggest savings come from the smaller companies.

Affordable 2003 Nissan Sentra insurance can be found from both online companies and with local insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. Some auto insurance companies may not have the ability to get a quote online and many times these smaller providers prefer to sell through local independent agents.

Insureds leave their current company for a variety of reasons including being labeled a high risk driver, policy cancellation, high rates after DUI convictions and extreme rates for teen drivers. Regardless of your reason, finding a new company can be less work than you think.

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