Have you finally had enough of trying to scrape together enough money to pay car insurance each month? You have the same problem as millions of other drivers. You have multiple insurance companies to insure vehicles with, and although it’s nice to have a choice, more options can take longer to find the best rates.
Smart consumers take time to get comparison quotes yearly since insurance prices change regularly. Just because you found the best price for Sentra insurance last year you will most likely find a better rate quote today. You can find a lot of wrong information about car insurance on the internet, but in just a couple of minutes you can learn some solid techniques on how to lower your car insurance rates.
Finding a better price on car insurance doesn’t have to be difficult. Drivers just need to invest a few minutes comparing rate quotes to discover which company has the cheapest auto insurance quotes. It’s really simple and can be done using a couple different methods.
For a list of links to insurance companies in your area, click here.
Take whichever approach you prefer, but ensure you’re using equivalent coverage data with each company. If you compare unequal deductibles or liability limits it will be impossible to determine the best price for your Nissan Sentra.
Companies that sell car insurance don’t always publicize every discount very clearly, so the below list has some of the best known and also the more inconspicuous discounts that you may qualify for.
Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.
Some companies that may offer policyholders some of the above discounts include:
If you are trying to find affordable auto insurance quotes, ask every company how you can save money. Depending on the company, some discounts might not be offered on policies in your area. If you would like to see a list of companies that offer the discounts shown above, click this link.
When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.
If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.
Collision coverage covers damage to your Sentra caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like scraping a guard rail, driving through your garage door, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Liability coverage provides protection from damage that occurs to people or other property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things like medical services, legal defense fees, repair bills for other people’s vehicles, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.
This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as hitting a bird, rock chips in glass, theft, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for medical payments and/or PIP reimburse you for expenses like rehabilitation expenses, nursing services, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible