1991 Nissan Sentra Insurance Quotes – 7 Savings Tips

Trying to find lower insurance rates for your Nissan Sentra? Have you fallen victim to overpriced insurance? Trust us, there are lots of people in the same boat. You have so many insurers to buy insurance from, and although it’s nice to be able to choose, it makes it harder to adequately compare rates.

Smart consumers take time to shop coverage around periodically due to the fact that insurance rates are variable and change quite frequently. Just because you had the lowest rates for Sentra coverage a year ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance online, so we’re going to give you some great ways to put money back in your pocket.

Cut your premium with these seven discounts

Car insurance can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be specially asked for before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Low Mileage Discounts – Keeping the miles down on your Nissan could qualify for lower rates on the low mileage vehicles.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Sentra coverage.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Swiching Early – Some companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.
  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Sentra coverage than drivers with accident claims.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, you’re out of luck. Any amount of discount will cut your premiums.

To see a list of insurance companies with discount insurance coverage rates, follow this link.

What is the best insurance coverage?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions might point out if your situation may require specific advice.

  • I have a DUI can I still get coverage?
  • Which companies will insure high-risk drivers?
  • Is there coverage for injuries to my pets?
  • Do I need more liability coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving a rental car?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Advertising myths

Consumers can’t ignore all the ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the ads make an identical promise about savings after switching your coverage to them.

But how can every company make almost identical claims?

All companies have a preferred profile for the type of customer they prefer to insure. For example, a desirable insured might be between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” is entitled to the best price and therefore will save quite a bit of money when switching.

Drivers who don’t measure up to the requirements will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can make the claims of big savings.

Because of the profiling, you need to compare many company’s rates. It is impossible to predict which insurance company will have the lowest Nissan Sentra insurance rates.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Collision protection

This coverage will pay to fix damage to your Sentra caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, rolling your car, sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, hitting a bird and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, pain and suffering, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Sentra.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, nursing services and pain medications. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing

Affordable 1991 Nissan Sentra insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best price while not skimping on critical coverages.

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