2010 Nissan Sentra Insurance Rates – 8 Tips for Best Quotes

Insurance shopping is not really something drivers appreciate, but it’s a required process before you can go for a ride.

Buying car insurance is quite easy. Just about everyone who is required by state law to have insurance most likely will be able to cut their insurance bill. But consumers can benefit by having an understanding of how big insurance companies market on the web and take advantage of how the system works.

Auto Insurance Comparisons

There are several ways of comparing rate quotes from local auto insurance companies. The fastest way to find the lowest 2010 Nissan Sentra rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. One of the simplest ways consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quote forms for every auto insurance company. One simple form will return quotes from several companies. This is perfect if you don’t have a lot of time.
  2. A different way to shop for auto insurance online requires a trip to each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from Progressive, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The least recommended way of comparing rate quotes is to waste gas driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed agents. Drivers can compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just be sure to compare identical coverage information for each comparison quote. If you enter different deductibles you will not be able to find the best deal for your Nissan Sentra. Having just a slight variation in limits can make a big difference in price. And when quoting auto insurance, remember that getting more free quotes gives you a better chance of getting the best price.

How much can you save with these eight discounts?

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving.

  • Passive Restraints and Air Bags – Factory air bags can receive discounts of more than 20%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Sentra insurance than drivers with accidents.
  • No Accidents – Good drivers with no accidents pay much less when compared to bad drivers.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company qualifies for this discount.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Paperwork-free – A few companies give back up to $50 just for signing your application on their website.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

For a list of insurance companies with the best insurance discounts, click here to view.

How much car insurance do I need?

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • Is my Nissan Sentra covered if I use it for business?
  • Am I covered when driving on a suspended license?
  • What is the minimum liability in my state?
  • Am I covered if I crash into my own garage door?
  • Why am I required to buy liability insurance?
  • I don’t drive much so do I pay less?
  • Is pleasure use cheaper than using my 2010 Nissan Sentra to commute?
  • Am I insured when driving a different vehicle?
  • Why is insurance for a teen driver so high?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages

Having a good grasp of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for pain medications, rehabilitation expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, hitting a mailbox, damaging your car on a curb, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for liability

This coverage protects you from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hitting a bird and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.