Cheap 1991 Nissan Sentra Car Insurance Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? Trust us, there are many people just like you. Consumers have many auto insurance companies to choose from, and though it is a good thing to have a selection, it can be more difficult to find a good deal.

How to Compare Insurance Coverage Costs

Finding a lower price on 1991 Nissan Sentra insurance can be surprisingly simple. You just have to spend a few minutes on the computer to compare rate quotes online with multiple companies. This can be done in several different ways.

  1. The best way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate forms for each company you want a rate for. Just one form gets rate comparisons from insurance coverage companies with the best prices.
  2. A harder way to compare prices requires you to visit the website of each company to complete a price quote. For sake of this example, let’s assume you want rates from USAA, Progressive and Geico. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way of getting rate comparisons is to drive around to local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the personal advice of a local agent. You can, however, comparison shop online and get advice from an agent in your area.

Whichever way you use, compare identical coverages and limits for each price quote. If you use different liability limits it will be impossible to decipher which rate is best.

You may need specialized coverage

When buying proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Am I covered if hit by an uninsured driver?
  • When should my teen driver be added to my policy?
  • Does having multiple vehicles earn me a discount?
  • Is my state a no-fault state?
  • How does medical payments coverage work?
  • Am I covered if my car is in a flood?
  • What happens if I owe more than my 1991 Nissan Sentra is worth?
  • Can I still get insurance after a DUI?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Insurance coverage considerations

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from insurance companies.

Liability coverages – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things such as pain and suffering, medical expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills for EMT expenses, prosthetic devices, surgery, funeral costs and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Sentra.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, damaging your car on a curb, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from flooding and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.