2002 Nissan Sentra Insurance Quotes

Want better auto insurance rates for your Nissan Sentra? Expensive auto insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Big-name insurance companies like Allstate and Progressive promote their brand names with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

You should make it a habit to check auto insurance prices every six months because rates fluctuate regularly. Just because you had the best rates for Sentra coverage a few years ago there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because it’s time to teach you the best way to save money, get proper coverage and the best rates.

Discounts mean cheaper Nissan Sentra insurance rates

Companies offering auto insurance don’t list every available discount very well, so here is a list some of the more common and the more hidden ways to save on insurance coverage.

  • Low Mileage Discounts – Keeping the miles down on your Nissan could be rewarded with a substantially lower rate.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Sentra coverage than drivers with accident claims.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

To see a list of providers with the best insurance coverage discounts, click this link.

Elements that influence Nissan Sentra insurance rates

It’s important that you understand the rating factors that play a part in calculating your auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with big savings.

Shown below are a few of the “ingredients” that factor into rates.

  • Cautious drivers pay less – Just one moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to continue driving.
  • Women pay lower rates – The statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women are in accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
  • A lapse in coverage is a bad thing – Not having insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will you pay more, failure to provide proof of insurance can result in a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Do you know you’re credit rating? – Your credit rating is a big factor in determining your rates. People with high credit scores tend to be more responsible than drivers with poor credit. So if your credit history can use some improvement, you could save money insuring your 2002 Nissan Sentra by improving your credit score.

Tailor your coverage to you

When it comes to buying the best insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether or not you would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy additional glass protection?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • Can my teen drive my company car?
  • How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Information about specific coverages

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Collision coverages – This coverage 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 coverage pays for things such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills for things like doctor visits, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Nissan Sentra.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance – This protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as loss of income, medical services, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Pennies from heaven

You just learned many ways to reduce 2002 Nissan Sentra insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Drivers may discover the best prices are with a small local company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

When shopping online for insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Discount insurance is attainable from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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