1995 Nissan Sentra Insurance Cost – 7 Tricks for Cheapest Prices

Looking for lower car insurance rates for your Nissan Sentra? Do you get confused by the wide range of car insurance companies in your area? Drivers have so many options that it is a ton of work to find the perfect company for you.

The best way to compare car insurance company rates utilizes the fact all the major auto insurance companies have advanced systems to give rate comparisons. To start a quote, the only thing you need to do is provide a little information including an estimate of your credit level, whether your vehicle is owned or leased, if a SR-22 is required, and daily mileage. Your rating data gets transmitted to many different companies and they return rate quotes almost instantly.

If you would like to start a quote now, click here and enter the information requested.

Do you qualify for these seven discounts?

Properly insuring your vehicles can get expensive, but there may be some discounts that you may not even know about. A few discounts will be applied when you purchase, but a few must be requested specifically before you will receive the discount.

• Low Miles Discount – Driving fewer miles may enable drivers to earn better rates on cars that stay parked.
• Discounts for Multiple Vehicles – Drivers who insure all your vehicles on a single policy may reduce the rate for each vehicle.
• Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
• Club Memberships – Being in qualifying employment or professional organizations may earn a discount on your next renewal.
• Auto/Home Discount – If you can combine your homeowners and auto policy with the same company they may give you a discount of at least 10% off all policies.
• ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
• Discount for Swiching Early – A few larger companies offer discounts for switching policies before your current expiration date. This discount can save up to 10%.

One last thing about discounts, most discount credits are not given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance policy, you aren’t that lucky.

A list of companies and their offered discounts are included below.

• State Farm includes discounts for Drive Safe & Save, defensive driving training, good student, passive restraint, and accident-free.
• Geico discounts include five-year accident-free, air bags, military active duty, anti-lock brakes, anti-theft, and good student.
• Progressive may include discounts for online quote discount, multi-policy, online signing, homeowner, good student, and continuous coverage.
• 21st Century has savings for early bird, 55 and older, automatic seat belts, student driver, teen driver, homeowners, and good student.
• American Family may offer discounts for good student, TimeAway discount, defensive driver, multi-vehicle, bundled insurance, and good driver.
• The Hartford offers discounts for air bag, vehicle fuel type, anti-theft, defensive driver, bundle, good student, and driver training.
• AAA offers premium reductions for multi-car, pay-in-full, AAA membership discount, education and occupation, anti-theft, good student, and good driver.

If you are trying to find inexpensive auto insurance quotes, ask every company which discounts you qualify for. Savings might not be available to policyholders in your state. If you would like to see a list of providers that offer many of these discounts, click here to view.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions could help you determine if your situation would benefit from professional advice.

• How does medical payments coverage work?
• What is high-risk coverage and where do I buy it?
• I have a DUI can I still get coverage?
• How can I find cheaper teen driver insurance?
• Do I benefit by insuring my home with the same company?
• What is the ISO rating for a 1995 Nissan Sentra?
• Are my tools covered if they get stolen from my vehicle?
• Will my rates increase for filing one claim?
• I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Car insurance policy coverages for a Nissan Sentra

Learning about specific coverages of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, funeral costs, prosthetic devices, hospital visits and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, hail damage and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays for damage to your Sentra caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability car insurance

This will cover injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as legal defense fees, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Have the Midas touch

We just presented many ways to compare 1995 Nissan Sentra insurance auto insurance rates online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Insureds leave their current company for any number of reasons including questionable increases in premium, poor customer service, high rates after DUI convictions and being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company is easier than you think.

The cheapest 1995 Nissan Sentra insurance is available on the web and from local insurance agents, so you should compare both to have the best selection. Some insurance providers don’t offer the ability to get quotes online and most of the time these smaller companies work with independent insurance agencies.

To learn more, feel free to visit these articles:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What Insurance is Cheapest for a Nissan Sentra in Omaha? (OmahaInsure.com)
• Frontal Crash Tests (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)