Looking for the cheapest insurance coverage rates for your Nissan Sentra? Finding affordable insurance coverage is always difficult for people who are new to buying insurance online. Consumers have so many choices that it can easily become a big hassle to compare prices.
It’s a great practice to take a look at other company’s rates at least once a year since rates are usually higher with each renewal. Even if you think you had the best deal on Sentra coverage six months ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re going to learn the only way to lower your annual insurance bill.
Companies offering auto insurance don’t always list every discount very well, so we researched some of the more common and the more hidden discounts you could be receiving.
Keep in mind that most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.
To see a list of companies with the best car insurance discounts, click here.
When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different.
Here are some questions about coverages that might point out whether your personal situation may require specific advice.
If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.
Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Collision coverage – Collision coverage will pay to fix damage to your Sentra resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Auto liability – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things such as emergency aid, medical expenses, repair bills for other people’s vehicles, pain and suffering and loss of income. How much coverage you buy is your choice, but buy as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Sentra.
Because many people 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 should not be overlooked.
Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like vandalism, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses like chiropractic care, funeral costs, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
People switch companies for any number of reasons including denial of a claim, questionable increases in premium, extreme rates for teen drivers or even not issuing a premium refund. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
The cheapest 2009 Nissan Sentra insurance can be purchased online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.