2002 Nissan Sentra Insurance Rates
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UPDATED: Mar 30, 2020
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Average insurance rates for a 2002 Nissan Sentra are $922 a year including full coverage. Comprehensive costs an estimated $124, collision costs $188, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing around $1,992. Teenage drivers receive the highest rates at $3,808 a year or more.
Annual premium for full coverage: $922
Rate estimates for 2002 Nissan Sentra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2002 Nissan Sentra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $504 for a discount liability-only rate to a much higher rate of $1,992 for a high risk driver.
These differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2002 Nissan Sentra Insurance
Looking for lower insurance coverage rates for your Nissan Sentra? Are you a victim of high-priced insurance coverage? Believe me, many consumers are feeling buyer’s remorse and feel like there’s no way out. With consumers having so many options, it can be challenging to choose the lowest price provider.
Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Drivers just need to understand the best way to compare company rates online.
How to Lower Your Insurance Cost
Getting a lower price on 2002 Nissan Sentra insurance is surprisingly easy. Drivers just need to take a few minutes comparing rates from different insurance companies. This is very easy and can be done using a couple different methods.
- The recommended way to get quotes is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form compares rates from multiple low-cost companies.
- A different way to find lower rates is to take the time to go to the website for each individual company and fill out their own quote form. For instance, we’ll assume you want rates from State Farm, GEICO and American Family. You would have to visit each site to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
- The least recommended method of comparing rate quotes is to spend time driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the personal advice only provided by licensed agents. You can, however, compare the best prices online but still have the advice of a local agent and you’ll learn how to do that later.
It’s up to you how you get prices quotes, just double check that you are using the exact same quote information with every price quote. If you use different deductibles you will not be able to make an equal comparison.
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Switch companies and save? Really?
Drivers can’t ignore all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to have a common claim that you’ll save big if you move to them.
How can each company say the same thing? This is how they do it.
All the different companies can use profiling for the driver that makes them money. For instance, a preferred risk could possibly be between the ages of 40 and 55, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who meets those qualifications gets the lowest rates and therefore will save quite a bit of money when switching.
Potential customers who don’t qualify for the requirements will have to pay higher premiums which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that much. This is how companies can truthfully state the savings. Because of the profiling, drivers must get a wide range of price quotes. It’s just too difficult to predict which insurance companies will provide you with the cheapest Nissan Sentra insurance rates.
Save money by taking advantage of these six discounts
Car insurance companies don’t always publicize every available discount very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Distant Student – Youth drivers who are attending college and don’t have a car can be insured at a reduced rate.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Homeowners Pay Less – Owning a house can help you save on auto insurance because maintaining a house requires personal responsibility.
- Club Memberships – Belonging to a professional or civic organization could trigger savings when shopping for auto insurance for Sentra insurance.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Sentra insurance than their less cautious counterparts.
Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.
Insurance companies who might offer these benefits include:
Double check with each company how you can save money. All car insurance discounts might not be offered in your area.
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When should I use an insurance agent?
When choosing the best insurance coverage coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.
- Do I need to file an SR-22 for a DUI in my state?
- Can I still get insurance after a DUI?
- What is the rate difference between pleasure use and commuting?
- Should I buy only the required minimum liability coverage?
- Am I covered if I hit a deer?
- Is other people’s property covered if stolen from my vehicle?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.
Auto insurance coverage basics
Learning about specific coverages of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.
Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as hitting a bird, theft, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Liability auto insurance – Liability insurance can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability can pay for things like legal defense fees, funeral expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Nissan Sentra.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like chiropractic care, hospital visits and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as rolling your car, hitting a parking meter, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Save your hard earned cash
Cost effective 2002 Nissan Sentra insurance is definitely available on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some companies don’t offer online price quotes and these regional insurance providers work with independent agents.
We’ve covered a lot of ways to reduce insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive and GEICO.
More detailed auto insurance information is available in these articles:
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance Basics (Insurance Information Insitute)
- Distracted Driving (Insurance Information Insitute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Young Drivers: The High Risk Years Video (iihs.org)
Rates by U.S. City
|New York City, NY||$1,455|
|Los Angeles, CA||$1,578|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$55|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.