2014 Nissan Sentra Car Insurance Rates – 8 Policy Discounts

Trying to find cheaper car insurance rates for your Nissan Sentra? No one in their right mind enjoys paying for car insurance, especially when the price is too high. Drivers have so many car insurance companies to pick from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.

You should make it a habit to price shop coverage yearly because insurance rates tend to go up over time. Even if you got the best deal for Sentra insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the things you must know in order to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Drivers just need to know the proper way to compare rates on the web.

The best way we recommend to compare car insurance rates is to know most of the larger companies participate in online systems to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details including what you do for a living, if your license is active, your credit rating estimate, and if the car is leased. Your details is sent automatically to multiple different insurance companies and they provide comparison quotes almost instantly.

Save on Nissan Sentra insurance

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Multi-policy Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

For a list of insurers offering auto insurance discounts, click here to view.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • What is an SR-22 filing?
  • Does my personal policy cover me when driving out-of-state?
  • I don’t drive much so do I pay less?
  • What are the best liability limits?
  • Am I covered when driving someone else’s vehicle?
  • Do I need roadside assistance coverage?
  • I have a DUI can I still get coverage?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 2014 Nissan Sentra

Knowing the specifics of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like chiropractic care, surgery and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision – This covers damage to your Sentra caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability – Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as structural damage, repair bills for other people’s vehicles, pain and suffering, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from getting keyed, falling objects, damage from a tornado or hurricane and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2014 Nissan Sentra.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Make a quick buck

In this article, we covered many tips how you can get a better price on 2014 Nissan Sentra insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the most savings is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

When buying insurance coverage, never skimp on coverage in order to save money. In many cases, an insured dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at a price you can afford.

Much more information about car insurance can be found on the following sites: