Compare 2005 Nissan Sentra Insurance Rates

Looking for lower car insurance rates for your Nissan Sentra? Have you fallen victim to high-priced car insurance? Trust us when we tell you there are many people just like you.

Insurance companies such as GEICO, Progressive and Allstate constantly bombard you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

It’s a great practice to compare prices yearly due to the fact that insurance rates fluctuate regularly. If you had the best price for Sentra coverage last year the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online, so I’m going to show you some tested techniques to stop overpaying for insurance.

Free Quotes for Insurance

Comparing insurance rates can take hours if you don’t understand the most efficient way. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace that enables customers to submit their information once, and each participating company then returns a price quote. This saves time by eliminating quotation requests to every company.

To compare 2005 Nissan Sentra rates using this form now click here to open in new window.

One minor caviat to using this type of form is you can’t choose the companies you want to price. If you would rather choose specific providers to compare prices, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

However you get your quotes, compare the exact same coverage limits and deductibles on every quote you get. If you use higher or lower deductibles it will be next to impossible to make an equal comparison. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, comparing a large number of companies helps you find better pricing.

More discounts equal less premium

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at the time of purchase, but some must be asked for in order for you to get them.

  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for Sentra coverage.
  • Sign Online – A handful of insurance companies will give a small break just for signing your application on their website.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
  • Accident Waiver – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall premium however.

For a list of insurance companies who offer insurance coverage discounts, click this link.

It’s not one size fits all

When buying the best insurance coverage coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover if you will benefit from professional help.

  • What is covered by UM/UIM coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered by my spouse’s policy after a separation?
  • Can I rate high risk drivers on liability-only vehicles?
  • How high should my uninsured/underinsured coverage be in my state?
  • What discounts do I qualify for?
  • Is my custom paint covered by insurance?
  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Factors that might impact rates for a Nissan Sentra

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Allowing your policy to lapse raises rates – Driving without insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Credit scores impact auto insurance rates – Having a bad credit score is a important factor in calculating your auto insurance rates. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores. If your credit is low, you could save money insuring your 2005 Nissan Sentra by spending a little time repairing your credit.
  • Lower miles equals lower premium – Driving more miles every year the more you will pay for auto insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. If your policy improperly rates your Sentra may be costing you. Double check that your auto insurance coverage shows the proper vehicle usage, because it can save money.
  • Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Nissan Sentra has ratings of a minimum four stars on it is probably cheaper to insure.
  • Extra add-on coverages are wasting money – There are a ton of add-on coverages that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.

What insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a parking meter, hitting a mailbox, crashing into a building and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Liability car insurance – This coverage will cover damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and doesn’t 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 values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like attorney fees, medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills such as funeral costs, EMT expenses, dental work, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A penny earned…

Affordable 2005 Nissan Sentra insurance can be bought both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered many ideas to lower your insurance rates. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a small local company. These companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.

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