2010 Nissan Sentra Insurance Cost – 5 Tips for Best Prices

Trying to find the cheapest insurance coverage rates for your Nissan Sentra? Tired of not being able to afford to insure your Nissan every month? You are in the same boat as many other consumers. Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest rate

The fastest way that we advise to compare rate quotes is to understand most larger insurance companies allow for online access to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like if it has an alarm system, what your job is, how you use your vehicles, and how many miles driven. Your rating data is instantly submitted to insurance companies and you get price estimates immediately.

If you would like to compare rates now, click here and see if a lower rate is available.

Auto insurance rates and discounts

Some providers don’t necessarily list the entire discount list in a way that’s easy to find, so the following list contains some of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

  • New Car Discount – Putting auto insurance coverage on a new car can save you some money because newer models are generally safer.
  • Renewal Discounts – Some insurance companies provide a discount for renewing your policy before your current coverage expires. It could save around 10% when you buy insurance coverage online.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control can stop better under adverse conditions and the ABS can save up to 10%.
  • Defensive Driver – Participating in a driver safety class could earn you a small percentage discount depending on where you live.
  • Multiple Vehicles – Buying insurance for all your vehicles on one policy qualifies for this discount.

As a sidenote, most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride. But any discount should definitely cut the premium cost.

Some of the insurance companies that possibly offer some of the above discounts include:

Check with every prospective company to give you their best rates. Some of the discounts discussed earlier might not be offered in your area. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click here to view.

Situations that may require an agent’s advice

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • When should I remove comp and collision on my 2010 Nissan Sentra?
  • How do I insure my teen driver?
  • Is other people’s property covered if stolen from my vehicle?
  • What are the financial responsibility laws in my state?
  • I have health insurance so do I need medical payments coverage?
  • Where can I find DUI or SR-22 insurance?
  • Do I need rental car coverage?
  • Where can I get insurance after a DUI in my state?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverage options for a 2010 Nissan Sentra

Understanding the coverages of auto insurance can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, backing into a parked car, colliding with another moving vehicle, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for liability

This protects you from injuries or damage you cause to other’s property or people. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like medical expenses, repair bills for other people’s vehicles, pain and suffering and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as ambulance fees, X-ray expenses, surgery and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a deer and theft. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Nissan Sentra.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.