Want cheaper insurance coverage rates for your Nissan Sentra? Consumers who are new to the process of comparing car insurance rates on the web may discover buying affordable auto insurance is harder than it should be.
Shopping for lower car insurance rates can take time and effort if you don’t understand the fastest way to get free quotes. You could waste a few hours driving to agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.
All the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company can give them a price based on the submitted data. This eliminates the need for quotation requests to each company. To access this free quoting program, click here to open in new window.
One minor caviat to comparing rates this way is that consumers can’t choose the providers you will receive quotes from. If you wish to select from a list of companies to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.
Compare rates however you want, just be certain you are entering equivalent coverage information for each quote you get. If you compare higher or lower deductibles you can’t possibly decipher which rate is best. Quoting even small variations in insurance coverages could mean much higher rates. And when comparing car insurance rates, know that comparing a large number of companies helps you find more affordable rates. Not every company does online quotes, so it’s recommended that you also compare rates from them, too.
Companies do not advertise every discount in an easy-to-find place, so the list below gives a summary of both well-publicized as well as the least known credits available to lower your premiums when you buy auto insurance online.
Drivers should understand that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
Auto insurance companies that may offer quotes with most of the discounts above possibly include:
Before buying, ask each insurance company which discounts they offer. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to choose from a list of providers that can offer you the previously mentioned discounts, click here.
When it comes to choosing coverage, there really is not a perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that can aid in determining whether or not you may require specific advice.
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.
Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, hail damage, vandalism and hitting a deer. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like dental work, doctor visits and funeral costs. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Collision coverage pays for damage to your Sentra from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a parking meter, driving through your garage door, scraping a guard rail, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to bring the cost down.
This coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.