Lower Your 2017 Nissan Sentra Insurance Cost

Trying to find better auto insurance rates for your Nissan Sentra? Trying to come up with a payment for overpriced auto insurance can dwindle your monthly budget, especially in this economy. Comparing cost estimates is free and is an excellent way to tighten up your finances.

Many insurers compete for your insurance dollar, so it’s not easy to compare every insurance company and get the best coverage at the best price available.

If you currently have car insurance, you will be able to cut costs considerably using these methods. Finding the best rates is not rocket science. But consumers benefit from understanding how big insurance companies market insurance on the web and use this information to your advantage.

Reduce your car insurance rates with discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that you may not even know about. A few discounts will be applied at the time of purchase, but some must be asked for before you will receive the discount. If you do not check that you are getting every discount possible, you could be saving more on your car insurance.

  • Theft Deterent System – Cars with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Discounts for New Vehicles – Adding a new car to your policy can get you a discount since newer vehicles are generally safer.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
  • Own a Home and Save – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • College Student Discount – who live away from home at college and leave their car at home may be able to be covered for less.
  • Federal Employees – Employees or retirees of the government could provide a small rate reduction on Sentra coverage but check with your company.
  • Drive Less and Save – Maintaining low annual mileage can qualify you for lower car insurancerates due to less chance of an accident.
  • Online Discount – A few larger online companies give back up to $50 just for signing your application on your computer.
  • Cautious Driver Discounts – Insureds without accidents can pay as much as 50% less on Sentra coverage than drivers with accidents.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts should help reduce your policy premium.

Popular car insurance companies and a selection of discounts can be found below.

  • State Farm offers premium reductions for driver’s education, anti-theft, multiple autos, Drive Safe & Save, safe vehicle, good driver, and Steer Clear safe driver discount.
  • American Family may offer discounts for good student, TimeAway discount, bundled insurance, early bird, air bags, multi-vehicle, and mySafetyValet.
  • GEICO has discounts for membership and employees, emergency military deployment, five-year accident-free, good student, seat belt use, defensive driver, and federal employee.
  • 21st Century policyholders can earn discounts including 55 and older, driver training, good student, defensive driver, theft prevention, and homeowners.
  • Progressive may include discounts for online signing, multi-policy, multi-vehicle, homeowner, continuous coverage, good student, and online quote discount.

Double check with all companies you are considering to apply every possible discount. Discounts might not be offered in your area. To view insurers who offer discounts, click here.

The method we recommend to get rate comparisons is to know most larger insurance companies participate in online systems to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information such as deductibles desired, whether you drive to work or school, whether you are married, and if the car is leased. That rating information is automatically sent to insurance companies and you receive quotes within a short period of time.

To start a rate quote now, click here and enter your zip code.

You are unique and your car insurance should be too

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your insurance needs would benefit from professional advice.

  • How do I buy GAP insurance?
  • What exactly is covered by my policy?
  • Where can I find DUI or SR-22 insurance?
  • What companies insure drivers after a DUI or DWI?
  • Does liability extend to a camper or trailer?
  • Does my insurance cover my expensive audio equipment?
  • What is high-risk coverage and where do I buy it?
  • When should I not file a claim?
  • Am I getting all the discounts available?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Parts of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as medical expenses, emergency aid and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, funeral costs, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2017 Nissan Sentra.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Stretch your dollar

When searching for the cheapest auto insurance quotes, do not reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits and learned later that they should have had better coverage. Your goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

We’ve covered some good ideas how you can lower your 2017 Nissan Sentra insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate or State Farm.

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