2015 Nissan Sentra Insurance Quotes

Want lower insurance rates for your Nissan Sentra? Have you fallen victim to overpriced insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance policy. Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest cost out there.

These factors can influence Nissan Sentra insurance rates

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” used by your company to calculate rates.

  • Do you need those extra coverages? – There are quite a few extra coverages that you can buy on your Sentra policy. Things like rental car reimbursement, towing coverage and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Better crash test results mean better rates – Safer cars are cheaper to insure. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Nissan Sentra is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Poor driving leads to higher costs – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • More people means more accidents – Choosing to live in less populated areas can save you money when it comes to insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Pay less if you’re married – Getting married can get you a discount on your insurance policy. Having a spouse is viewed as being more mature and responsible and statistics show married couples file fewer claims.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always publicize all their discounts very clearly, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

It’s important to note that most credits do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of providers who offer car insurance discounts, click this link.

Insurance agents can help

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Does my 2015 Nissan Sentra need full coverage?
  • Can I make deliveries for my home business?
  • How can I force my company to pay a claim?
  • Can I afford low physical damage deductibles?
  • What if I don’t agree with a claim settlement offer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage breakdown

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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

Liability insurance covers things such as bail bonds, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for bills like nursing services, prosthetic devices, hospital visits and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Sentra.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hitting a deer and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Sentra resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. In many instances, an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Cheap 2015 Nissan Sentra insurance can be found from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

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