Cheapest 2004 Nissan Sentra Insurance Rates 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: Jun 3, 2023

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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.

UM/UIM Coverage

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:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

Are there any specific steps I can take to lower my insurance premiums for a 2004 Nissan Sentra?

Yes, here are some steps you can take to potentially lower your insurance premiums:

  1. Maintain a good driving record: Avoid accidents and traffic violations, as a clean driving record can lead to lower premiums.
  2. Consider a higher deductible: Opting for a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can result in lower premiums.
  3. Take advantage of available discounts: Inquire about discounts offered by your insurance company, such as good student discounts, safe driver discounts, or discounts for completing defensive driving courses.
  4. Bundle policies: If you have multiple insurance policies (e.g., auto and home insurance), consider bundling them with the same insurer for potential discounts.
  5. Install safety features: Adding safety features to your vehicle, such as anti-theft systems or additional airbags, may make you eligible for discounts.
  6. Shop around for competitive rates: Regularly compare quotes from different insurance companies to ensure you’re getting the best rate for the coverage you need.
  7. Evaluate your coverage needs: Review your current coverage and determine if adjustments can be made based on your vehicle’s value and your financial situation.

Remember to balance cost-saving measures with maintaining adequate coverage for your needs. It’s important to strike a balance that provides sufficient protection while being mindful of your budget.

Can I get insurance coverage for my 2004 Nissan Sentra if I have a less-than-perfect driving record?

Yes, even with a less-than-perfect driving record, you can still get insurance coverage for your 2004 Nissan Sentra. However, it’s important to note that a poor driving record may result in higher insurance premiums. Here are some options to consider:

  1. Look for insurance companies that specialize in high-risk coverage: Some insurance companies specialize in providing coverage for drivers with less-than-ideal driving records. These companies may be more willing to insure you, albeit at higher premium rates.
  2. Explore state-assigned risk plans: If you’re having difficulty finding coverage in the standard market, you can check if your state offers an assigned risk plan. These plans are designed to provide insurance coverage to high-risk drivers who have been rejected by other insurance companies.
  3. Take steps to improve your driving record: Focus on becoming a safer driver. Avoid traffic violations and accidents, as maintaining a clean driving record over time can help lower your insurance premiums.
  4. Consider additional driver training: Completing defensive driving courses or other driver improvement programs may not only help you become a safer driver but also demonstrate your commitment to improving your skills to insurance companies.

Remember, while insurance for drivers with a poor driving record may be more expensive, it’s essential to maintain continuous coverage. Driving without insurance can lead to severe consequences, both legally and financially.

How can I compare 2004 Nissan Sentra insurance prices online?

To compare insurance prices effectively, it’s essential to gather multiple quotes. The more quotes you have, the more likely you are to find a better rate. Don’t overlook lesser-known companies, as they may offer significantly lower rates compared to big-name companies. However, remember not to sacrifice critical coverages or liability limits just to save money. The focus should be on purchasing sufficient coverage at an affordable price.

Do all insurance credits apply to all coverage premiums?

No, most credits do not apply to all coverage premiums. Some discounts may only apply to specific coverages such as comprehensive or medical payments. While the discounts can help reduce the amount you have to pay, companies wouldn’t make money if all discounts added up to a free policy.

How can I save money on auto insurance for my 2004 Nissan Sentra if I don’t drive much?

If you don’t drive your 2004 Nissan Sentra frequently, you may be eligible for a low-mileage discount. Many insurance companies offer discounts for drivers who log fewer miles on their vehicles. Contact your insurance provider to inquire about low-mileage discounts and provide accurate information about your annual mileage to potentially reduce your premium.

Is it necessary to have medical payments coverage for my 2004 Nissan Sentra?

Medical payments coverage, also known as MedPay, can help cover medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. While not mandatory in all states, it can provide valuable coverage. If you don’t have health insurance or have limited coverage, medical payments.

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