2004 Nissan Sentra Insurance Rates – 6 Tips to Save
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UPDATED: Dec 6, 2021
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Searching for lower auto insurance rates for your Nissan Sentra? Feel like you’re a prisoner to high-priced auto insurance? Trust us when we tell you there are lots of people in the same boat. Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.
You should make it a habit to get comparison quotes once or twice a year due to the fact that insurance rates change quite often. Despite the fact that you may have had the lowest rates on Sentra insurance six months ago the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance on the web, but I’m going to show you a bunch of ideas how to put money back in your pocket.
These six discounts can slash auto insurance rates
Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not even be aware of. Some trigger automatically when you quote, but a few must be inquired about before being credited. If you don’t get every credit you qualify for, you’re paying more than you need to.
- Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
- Homeowners Discount – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.
- Multiple Policy Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
- Club Memberships – Being a member of certain professional organizations is a good way to get lower rates on your policy on Sentra insurance.
- Military Discounts – Having a deployed family member could mean lower rates.
Keep in mind that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will help reduce the amount you have to pay.
To see a list of companies with the best auto insurance discounts, click here to view.
When might I need the advice of an agent?
When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation would benefit from professional advice.
- Can I rent a car in Mexico?
- Do I need to file an SR-22 for a DUI in my state?
- What is medical payments coverage?
- What is high-risk coverage and where do I buy it?
- Are my friends covered when driving my car?
- Am I covered if I wreck a rental car?
- I don’t drive much so do I pay less?
- How can I get high-risk coverage after a DUI?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
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Coverages available on your insurance policy
Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.
Comprehensive or Other Than Collision
This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, a broken windshield, theft and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for collisions
This covers damage to your Sentra from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.
Auto liability insurance
Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like emergency aid, medical expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.
This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like dental work, X-ray expenses, prosthetic devices, funeral costs and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
Power to the consumer
We just covered a lot of ways to compare 2004 Nissan Sentra insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest premiums are with some of the lesser-known companies. They may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
When buying insurance coverage, never skimp on coverage in order to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
More tips and info about insurance coverage is located in these articles:
- Car Insurance: When not to Skimp (BankRate.com)
- Winter Driving (Insurance Information Insitute)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
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