2012 Nissan Sentra Insurance Rates

Finding low-cost insurance for your Nissan Sentra can be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to compare car insurance rates and we’ll show you the absolute fastest way to compare rates on a Nissan and find the lowest price.

Save with these premium-slashing discounts

Some companies don’t always advertise every policy discount very well, so here is a list some of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Smart Student Discounts – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Military Discounts – Being on active deployment in the military could qualify you for better rates.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Membership in Organizations – Belonging to a professional or civic organization is a simple method to lower premiums when shopping for insurance coverage.
  • Early Signing – Some insurance coverage companies reward drivers for renewing your policy prior to your current policy expiring. You may see this discount when you get insurance quotes online.
  • Waiver for an Accident – Not a discount per se, but companies like Progressive, Allstate, and GEICO will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.

Policy discounts save money, but most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The best insurance coverage companies and some of the discounts are outlined below.

  • State Farm has savings for anti-theft, Steer Clear safe driver discount, good driver, defensive driving training, good student, driver’s education, and multiple autos.
  • Liberty Mutual offers discounts for safety features, multi-car, newly retired, good student, multi-policy, and newly married.
  • American Family offers discounts including multi-vehicle, good driver, mySafetyValet, early bird, air bags, accident-free, and Steer into Savings.
  • Progressive policyholders can earn discounts including homeowner, multi-policy, good student, online quote discount, and online signing.
  • Farmers Insurance may offer discounts for alternative fuel, electronic funds transfer, early shopping, mature driver, and teen driver.
  • Auto-Owners Insurance discounts include anti-theft, group or association, multi-policy, anti-lock brakes, and air bags.
  • SAFECO has discounts for bundle discounts, teen safety rewards, drive less, accident prevention training, anti-theft, safe driver, and teen safe driver.

If you need lower rates, check with each company how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate insurance companies with the best discounts, click this link.

How to buy insurance online

All major insurance companies provide prices for coverage from their websites. Getting quotes doesn’t take a lot of time because you just enter your coverage information into the quote form. Behind the scenes, their quoting system orders reports for credit and driving violations and generates pricing information based on the data you entered.

Being able to quote online streamlines rate comparisons, but the time it takes to visit several different sites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you are searching for the lowest possible prices on insurance.

Rate comparisons made easy

An easier way to compare insurance pricing makes use of a single form to obtain quotes from several different companies. It saves time, requires much less work on your part, and makes comparison shopping much more enjoyable. Immediately after submitting the form, it is quoted and you can choose any one of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process takes just a few minutes to complete and can result in significant savings.

In order to find out what other companies charge, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended that you enter the coverage information exactly as shown on your declarations page. This ensures you will receive rate comparison quotes based on identical coverages.

Do I need special coverages?

When it comes to choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help highlight if you could use an agent’s help.

  • Do I need motorclub coverage?
  • Do I really need UM/UIM coverage?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage when using my vehicle for my home business?
  • When should my teen driver be added to my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving someone else’s vehicle?
  • How much liability insurance is required?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage breakdown

Learning about specific coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, damage from a tornado or hurricane, theft and falling objects. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles, loss of income, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Collision insurance

This covers damage to your Sentra caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, hospital visits, rehabilitation expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

Cheap 2012 Nissan Sentra insurance can be bought from both online companies and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture. Some companies may not provide internet price quotes and many times these small insurance companies provide coverage only through independent agents.

In this article, we presented some good ideas how to compare 2012 Nissan Sentra insurance premium rates online. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from an unexpected company.

When you buy insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal is to buy enough coverage for the lowest cost, not the least amount of coverage.

Additional detailed information is available in the articles below: