Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, you are not the only one feeling buyer’s remorse.
Drivers have multiple insurers to choose from, and although it’s nice to have a choice, so many choices can make it hard to compare rates and cut insurance costs.
Locating affordable protection is simple if you know the tricks. Essentially every vehicle owner who is required by state law to have insurance most likely will be able to find lower rates. But car owners need to learn how companies compete online and apply this information to your search.
Performing a rate comparison can take time and effort if you don’t know the fastest way to get free quotes. You can waste hours driving to insurance companies in your area, or you could use online quoting to get the quickest rates.
Most of the best insurance companies take part in a program where insurance shoppers only type in their quote data once, and each participating company returns a rated price for coverage. This prevents consumers from doing quotation requests to each company.
To use this form to compare 1998 Nissan Sentra insurance rates click here to start a free quote.
One minor caviat to doing it this way is buyers cannot specifically choose which providers you will receive quotes from. So if you want to choose specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but ensure you’re using the exact same coverage limits and deductibles for each price quote. If you have different liability limits then you won’t be able to truly determine the lowest rate. Just a small difference in coverage limits can result in a big premium difference. Just remember that comparing more company’s prices helps locate better pricing.
When it comes to buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight if your insurance needs might need professional guidance.
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.
Knowing the specifics of a car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.
Liability coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like repair costs for stationary objects, legal defense fees, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
This covers damage to your Sentra caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like hitting a parking meter, hitting a mailbox, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Sentra.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.
This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like damage from flooding, vandalism, damage from getting keyed, a broken windshield and fire damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, hospital visits, funeral costs, chiropractic care and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage