View 2009 Nissan Sentra Insurance Quotes

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.

Where can I get the cheapest auto insurance?

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.

  • One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do separate forms for each company you want a rate for. One form submission gets rate comparisons instantly.
  • A more difficult way to analyze rates is to manually visit each individual company website and fill out their own quote form. For example, let’s say you want to compare rates from GEICO, Esurance and American Family. You would have to go to each individual site and punch in your information repeatedly, which is why first method is reommended.

    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.

Pay discount rates these discounts

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.

  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could get you a discount.
  • Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Nissan can earn lower rates on the low mileage vehicles.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Organization Discounts – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance coverage.
  • Driving Data Discount – People who choose to allow their insurance company to scrutinize driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Sentra insurance with a few insurance coverage companies.
  • ABS Brakes – Vehicles with anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
  • Student Driver Training – Require your teen driver to enroll and complete driver’s education if offered at their school.

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.

Special considerations

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.

  • Is a blown tire covered by insurance?
  • What exactly is covered by my policy?
  • Should I buy additional glass protection?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company won’t pay a claim?
  • What is the difference between comprehensive and collision coverage?
  • How much liability coverage do I need in my state?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I get collision insurance on every vehicle?
  • Are rock chip repairs covered?

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.

Auto insurance policy specifics

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.

Collision protection

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

Auto liability

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.