Cheap 2023 Nissan Sentra Insurance Cost in 2024

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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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Pretty sure you bought an underperforming, overpriced auto insurance policy? You’re in good company because many consumers are in the same pinch.

Multiple insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest rate possible.

It’s important to take a look at other company’s rates occasionally since prices are usually higher with each renewal. Even if you think you had the lowest quotes for Sentra insurance on your last policy there may be better deals available now. Ignore everything you know about auto insurance because you’re going to get a crash course in the fastest and easiest way to find lower rates on auto insurance.

If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Finding affordable coverage is quite easy. But drivers should learn how the larger insurance companies market insurance on the web.

More affordable rates with discounts

Companies that sell car insurance do not list every policy discount in an easy-to-find place, so the next list breaks down a few of the more well known and also the more inconspicuous credits available to bring down your rates.

  • Auto/Home Discount – When you combine your homeowners and auto insurance with the same insurance company you may earn as much as 10 to 15 percent.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
  • Life Insurance Discount – Select companies reward you with a small discount if you purchase life insurance from them.
  • Discount for Switching Early – Select car insurance companies give a discount for switching to them prior to your current policy expiring. You could save around 10% when you buy car insurance online.
  • No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote compared to insureds who have frequent claims or accidents.
  • Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Owning your own home or condo may earn you a small savings because it requires personal responsibility.

One last thing about discounts, most credits do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A list of car insurance companies and some of the discounts are included below.

  • Progressive may include discounts for good student, online quote discount, online signing, homeowner, multi-vehicle, and continuous coverage.
  • Farmers Insurance offers discounts for pay in full, youthful driver, good student, mature driver, and alternative fuel.
  • Farm Bureau has savings for driver training, good student, multi-vehicle, multi-policy, 55 and retired, and safe driver.
  • State Farm offers premium reductions for multiple autos, good student, multiple policy, Steer Clear safe driver discount, and Drive Safe & Save.
  • GEICO has discounts for defensive driver, driver training, multi-vehicle, military active duty, good student, and emergency military deployment.
  • SAFECO policyholders can earn discounts including accident prevention training, drive less, multi-car, bundle discounts, and safe driver.
  • Liberty Mutual may have discounts that include preferred payment discount, new vehicle discount, exclusive group savings, hybrid vehicle, good student, newly married, and new graduate.

Before purchasing a policy, check with each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be offered in your area.

Auto insurance quotes comparison

When looking for affordable car insurance quotes, there are a couple ways to compare prices from local auto insurance companies. The fastest way to compare Nissan Sentra insurance prices consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. One of the best ways to find low rates would be an industry-wide quote request form. This quick form prevents you from having to do repetitive form entry for each price estimate. A single form gets insurance cost estimates instantly.
  2. A slightly less efficient method to analyze rates is to take the time to go to each company’s website to complete a price quote. For examples sake, let’s say you need rates from Liberty Mutual, 21st Century and GEICO. You would be required to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

It’s up to you which method you use, but be certain you are entering the same coverage limits and deductibles for every quote you compare. If you have different deductibles you will not be able to determine the best price for your Nissan Sentra. Even a minor difference in insurance coverages may result in large price differences. Keep in mind that more quotes increases your odds of finding lower pricing. Some smaller insurers to not give online quotes, so it’s important to also get prices from those companies as well.

What is the best insurance coverage coverage?

When buying proper insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might help in determining whether you may require specific advice.

  • Does car insurance cover theft of personal property?
  • What is medical payments coverage?
  • Am I covered if I crash into my own garage door?
  • Where can I find high-risk insurance?
  • Can I afford to buy a different vehicle if my 2023 Nissan Sentra is totaled?
  • What happens if I owe more than my 2023 Nissan Sentra is worth?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete your zip code.

Car insurance coverage information

Learning about specific coverages of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Liability car insurance

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, structural damage, bail bonds and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage covers damage to your Sentra caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, driving through your garage door 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 raise the deductible to save money on collision insurance.

Comprehensive insurance

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

Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, falling objects and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Nissan Sentra.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as hospital visits, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

What is YOUR best insurance company?

Throughout this article, we presented some good ideas how you can save on 2023 Nissan Sentra insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the best price on insurance coverage is with an unexpected company. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.

Cheap 2023 Nissan Sentra insurance can be bought from both online companies as well as from insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide online rate quotes and many times these regional carriers prefer to sell through local independent agents.

When you buy car insurance online, it’s very important that you do not buy poor coverage just to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best cost, but do not skimp to save money.

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