Cheapest 2007 Nissan Sentra Insurance Rates in 2023
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UPDATED: Dec 6, 2021
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Have you fallen victim to an underperforming, overpriced insurance coverage policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.
Lots of insurance companies contend for your business, so it can be very hard to choose a company and get the best coverage at the best rate
Smart consumers take time to shop coverage around periodically due to the fact that insurance rates change regularly. Just because you found the best deal for Sentra coverage last year the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re about to learn the proper way to find better rates and still maintain coverage.
If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is not that difficult. Although vehicle owners can benefit by having an understanding of the way companies determine prices and apply this information to your search.
Factors that can influence insurance rates for a Nissan Sentra
Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
The list below includes some of the items used by your company to calculate prices.
- Multi-policy discounts can save money – Most insurance companies will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
- Bump up deductibles to save – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Nissan from damage. A few examples of covered claims could be colliding with a building, collision with an animal, or theft. The deductibles are the amount of money you are required to spend if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance for Sentra coverage.
- Policy add-ons can waste money – There are many add-on coverages that you can buy when buying insurance. Coverages for personal injury protection, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
- Discounts for married couples – Having a spouse helps lower the price on insurance. It is viewed as being more mature and it’s statistically proven that married drivers get in fewer accidents.
- Teen drivers pay high rates – Teen drivers have a tendency to be careless and easily distracted in a vehicle so they pay higher insurance rates. Mature drivers are more cautious drivers, tend to file fewer claims and receive fewer citations.
- The more you drive the more you pay – Driving more miles in a year the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance coverage shows the proper vehicle usage. If your policy improperly rates your Sentra may be wasting your money.
- Where you live – Being located in a rural area can be a good thing when talking about insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accidents and a lower car theft rate.
Companies offer discounts so take them!
The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Most are applied when you get a quote, but less common discounts must be specifically requested before you get the savings.
- New Car Discount – Insuring a new car can save up to 30% due to better safety requirements for new cars.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Clubs and Organizations – Being a member of a civic or occupational organization may earn a discount on your policy for Sentra coverage.
- Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home shows financial diligence.
- Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
Consumers should know that most discount credits are not given the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.
A partial list of companies that may offer these money-saving discounts include:
- 21st Century
- State Farm
- Liberty Mutual
Check with every prospective company which discounts they offer. Some discounts might not apply in your state.
Do I just need basic coverages?
When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- Does my insurance cover my expensive audio equipment?
- Is my camper covered by my car insurance policy?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What is an SR-22 filing?
- Am I covered when using my vehicle for business?
- What if I don’t agree with a claim settlement offer?
- Are my friends covered when driving my car?
- What can I do if my company denied a claim?
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If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Coverages available on your insurance policy
Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as crashing into a ditch, driving through your garage door, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2007 Nissan Sentra.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as rehabilitation expenses, doctor visits, X-ray expenses, dental work and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision)
This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as fire damage, damage from flooding, hitting a deer, a tree branch falling on your vehicle and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: 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 $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.
Liability insurance covers things such as emergency aid, attorney fees, medical expenses and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford.
More choices the merrier
As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage and discovered at claim time that it was a big error on their part. The aim is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
Cost effective 2007 Nissan Sentra insurance is possible from both online companies as well as from independent agents, so you should compare both to get a complete price analysis. Some auto insurance companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.
We just showed you many tips how you can shop for insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from some of the lesser-known companies. These companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.
- Tools for Teen Driving Safety (State Farm)
- Where can I buy Insurance? (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Rollover Crash FAQ (iihs.org)
- Learn About Car Insurance (GEICO)
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