There isn’t a single person who fancies paying their premiums for auto insurance, especially knowing they could lower their rates if they shopped around. Multiple auto insurance companies compete to insure your vehicles, so it’s not easy to compare every provider to find the absolute lowest rate possible.
It’s a great practice to do price comparisons at least once a year because rates change regularly. Even if you got the lowest premium rates on Sentra insurance a couple years back a different company probably has better prices today. Forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to properly buy coverages and cut your premium.
Getting a low cost price on 2009 Nissan Sentra insurance is an easy way to save money. All you need to do is invest a few minutes to compare rate quotes from some recommended companies. Shoppers can get rates by following the guidelines below.
For a list of companies in your area, click here.
It doesn’t matter which method you choose, just make absolute certain that you use the same quote data for every quote you compare. If you use higher or lower deductibles it will be nearly impossible to decipher which rate is best.
Insurance coverage is not an enjoyable expense, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at quote time, but once in a while a discount must be manually applied before being credited.
It’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
Car insurance companies that may offer quotes with these money-saving discounts include:
Check with every insurance company which discounts you may be entitled to. Some credits may not apply to policyholders everywhere. To find insurance coverage companies that offer many of these discounts, click here to view.
When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.
This coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a parking meter, colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, X-ray expenses, pain medications, dental work and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Liability insurance protects you from damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability can pay for claims like repair bills for other people’s vehicles, pain and suffering and medical services. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Nissan Sentra.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a bird, hitting a deer, a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The most 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 consider removing comprehensive coverage.