Finding lower rates for car insurance is challenging for people who are new to comparison shopping online. Drivers have so many choices that it can quickly become a big hassle to locate the lowest price.
If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Buying the lowest cost coverage is not that difficult. Nevertheless, car owners do need to learn how companies sell insurance online and use this information to your advantage.
Effectively comparing insurance prices can be exhausting if you aren’t aware of the most efficient way. You could waste time driving to insurance agencies in your area, or you could use online quoting to get rates in a matter of minutes.
Many popular insurance companies are enrolled in a marketplace that enables customers to send in one quote, and every company returns a rated price for coverage. This prevents consumers from doing form submissions for each company you want a rate for.
To access this free quoting program, click here to open in new window.
The only downside to using this type of system is you can’t choose which carriers you want pricing from. If you prefer to choose specific providers to compare prices, we put together a list of the cheapest insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just ensure you’re using exactly the same deductibles and coverage limits with each company. If you use different limits and deductibles on each one it’s not possible to determine the best price for your Nissan Sentra. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that comparing a large number of companies provides better odds of finding a better price.
The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Some discounts apply automatically when you complete an application, but a few must be asked about before you will receive the discount.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will cut the cost of coverage.
A partial list of companies that may have these discounts include:
Double check with every prospective company what discounts are available to you. Some discounts may not be available in your state.
When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if your situation would benefit from professional advice.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.
This coverage covers damage to your Sentra resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things such as driving through your garage door, sideswiping another vehicle, backing into a parked car and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Sentra.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability car insurance
This coverage protects you from injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as emergency aid, court costs, attorney fees, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for expenses like surgery, doctor visits and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay