2021 Nissan Sentra Car Insurance Quotes in 2024 – 5 Discounts for Best Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Trying to find cheaper insurance coverage rates for your Nissan Sentra? Finding a different company that has cheaper insurance might seem complicated at first if you are like the majority of consumers and have never used online price quotes. But keep reading because using the internet to shop for insurance coverage is actually quite easy.

If you have car insurance now, you will be able to reduce your rates substantially using these methods. This article will help educate you on the best way to quote coverages and some tricks to saving. Nevertheless, consumers do need to know how the larger insurance companies sell online and take advantage of how the system works.

Save a ton with these five auto insurance discounts

Auto insurance is not inexpensive, but discounts can save money and there are some available to help bring down the price. Some discounts will apply when you quote, but lesser-known reductions have to be requested specifically in order for you to get them.

  • Drivers Education – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Organization Discounts – Participating in a qualifying organization is a simple method to lower premiums on your next auto insurance statement.
  • Switch and Save Discount – A few insurance companies allow discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.
  • Homeowners Discount – Simply owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.

One last thing about discounts, most discount credits are not given to the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Larger auto insurance companies and some of their more popular discounts can be found below.

  • State Farm discounts include Steer Clear safe driver discount, multiple autos, anti-theft, accident-free, and good driver.
  • Farmers Insurance may offer discounts for distant student, electronic funds transfer, good student, switch companies, teen driver, business and professional, and alternative fuel.
  • Progressive has savings for online signing, homeowner, multi-policy, continuous coverage, good student, multi-vehicle, and online quote discount.
  • GEICO includes discounts for emergency military deployment, good student, anti-theft, membership and employees, federal employee, driver training, and five-year accident-free.
  • Auto-Owners Insurance has discounts for anti-lock brakes, student away at school, company car, good student, and safe vehicle.
  • The Hartford policyholders can earn discounts including anti-theft, bundle, air bag, good student, and defensive driver.
  • Farm Bureau offers discounts for multi-vehicle, driver training, multi-policy, youthful driver, and 55 and retired.
  • USAA may have discounts that include driver training, defensive driver, military installation, family discount, vehicle storage, multi-policy, and multi-vehicle.

When getting a coverage quote, ask each company or agent how you can save money. Discounts may not be available in your area.

Car insurance can get complicated

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out if your situation will benefit from professional help.

  • How many claims can I have before being cancelled?
  • Does insurance cover damages from a DUI accident?
  • What companies insure drivers after a DUI or DWI?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I still get insurance after a DUI?
  • Where can I find high-risk insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I remove comp and collision on my 2021 Nissan Sentra?
  • When should I not file a claim?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Smaller companies may have the best rates

Car insurance companies such as State Farm, Allstate and GEICO continually stream ads on television and other media. They all have a common claim about savings just by moving your coverage. It sounds good, but how can they all give you a lower rate? Just pay attention to how they say it.

Different companies have an ideal profile for the type of customer that will generate a profit. A good example of this type of insured might be a female over age 40, carries high limits, and drives newer vehicles. Anybody that matches those criteria will get the preferred prices and have a good chance to cut their rates if they switch.

People who don’t qualify for those criteria will probably be forced to pay higher premiums which usually ends up with the prospect going elsewhere. Company advertisements say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That is how companies can advertise the way they do.

Because of these techniques, drivers must get insurance quotes from several different companies. It’s not possible to predict the company that will have the lowest rates.

Educate yourself about car insurance coverages

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Nissan Sentra.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liability limits.

Liability – Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as medical expenses, funeral expenses, repair bills for other people’s vehicles, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, a broken windshield and rock chips in glass. The maximum amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, hospital visits, prosthetic devices, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. 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. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – This coverage pays for damage to your Sentra from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Do the work, save more money

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage for the lowest price.

In this article, we covered a lot of ways to lower your 2021 Nissan Sentra insurance prices. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive insurance. You may even discover the most savings is with some of the lesser-known companies.

Cheap 2021 Nissan Sentra insurance is definitely available both online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and usually these smaller providers provide coverage only through independent agents.

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