2020 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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Looking for the cheapest auto insurance rates for your Nissan Sentra? Have you had enough of scraping nickels together to make your auto insurance payment? You’re in the same situation as many other consumers.

Since vehicle owners have many insurance providers from which to choose, it can be difficult for drivers to pick the most cost effective company.

It is always a good idea to compare premium rates quite often since insurance prices are constantly changing. Even if you got the best deal for Sentra coverage on your last policy you may be paying too much now. There is too much inaccurate information about auto insurance out there, but by reading this article, you’re going to learn some great ways to stop overpaying for insurance.

The purpose of this article is to let you in on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Nevertheless, car owners must comprehend the way insurance companies price insurance differently and apply this information to your search.

Compare quotes for auto insurance

Most companies such as Progressive, Allstate and GEICO give coverage prices from their websites. Doing online price comparisons is easy for anyone as you just type in your personal and coverage information on the page. Once you submit the form, their system pulls reports for credit and driving violations and returns pricing information based on many factors. Online price quotes streamlines rate comparisons, but having to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s necessary to have as many quotes as possible in order to get better auto insurance pricing.

A quicker way to locate the lowest prices makes use of a single form to obtain quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes comparison shopping much easier. As soon as you send your information, it is quoted and you can select your choice of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To compare pricing, simply enter your zip code here and input your coverage information. If you have your current policy handy, we recommend you copy exactly as shown on your declarations page. This helps ensure you are getting an apples-to-apples comparison using the same coverage and limits.

More discounts mean cheaper premiums

Insurance coverage is not cheap nor is it fun to buy but you may qualify for discounts that you may not even know about. Some discounts will apply when you purchase, but less common discounts must be manually applied before you will receive the discount.

  • Bundled Policy Discount – If you have multiple policies and place coverage with the same company you could save nearly 15% which can help you find cheaper auto insurance.
  • Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared to bad drivers.
  • Discounts for Good Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for Sentra coverage as compared to drivers with claims.
  • Low Mileage Discounts – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Homeowners Pay Less – Just owning your own home can help you save on insurance coverage since owning and maintaining a home demonstrates responsibility.
  • Good Student – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Early Signing – Some companies provide a discount for signing up prior to the expiration date on your current policy. The savings is around 10%.
  • Active Military Service – Having an actively deployed family member may qualify for rate reductions.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you could get a free insurance coverage policy, that’s just not realistic.

Companies and their possible discounts are included below.

  • State Farm includes discounts for safe vehicle, accident-free, student away at school, good driver, and driver’s education.
  • GEICO has discounts for driver training, seat belt use, anti-theft, defensive driver, emergency military deployment, multi-vehicle, and federal employee.
  • Liberty Mutual offers discounts for teen driver discount, newly retired, new vehicle discount, exclusive group savings, multi-policy, and preferred payment discount.
  • The Hartford may offer discounts for driver training, air bag, good student, vehicle fuel type, defensive driver, and anti-theft.
  • MetLife discounts include defensive driver, good driver, good student, multi-policy, accident-free, and claim-free.
  • Progressive has savings for multi-vehicle, multi-policy, online signing, online quote discount, homeowner, good student, and continuous coverage.

If you want low cost auto insurance quotes, ask each insurance company which discounts can lower your rates. A few discounts may not be offered in your state. To locate companies offering insurance coverage discounts, enter your zip code here.

It’s not one size fits all

When buying the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will filing a claim cost me more?
  • Should I rate my 2020 Nissan Sentra as pleasure use or commute?
  • Why do I only qualify for high-risk insurance?
  • If my pet gets injured in an accident are they covered?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Learn how to quote insurance coverage cheaper

Multiple criteria are used when you get your auto insurance bill. Most are fairly basic such as your driving record, but some are not quite as obvious such as your marital status and annual miles driven. The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that go into determining insurance coverage rates. If you have a feel for what influences your rates, this allows you to make good choices that can help you get better insurance coverage rates.

The factors shown below are a partial list of the pieces companies use to determine your premiums.

  • Get a ticket, pay higher premiums – Your driving record has a big impact on rates. Having just one speeding ticket can increase rates to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have received severe violations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to prevent their license from being revoked.
  • Marriage reduces risk – Having a wife or husband may cut your premiums when buying insurance coverage. Marriage demonstrates that you tend to be more stable financially and it’s proven that drivers who are married file infrequent claims.
  • Better premiums on safer cars – Safe vehicles tend to be cheaper to insure. Safe vehicles protect occupants better and lower rates of occupant injuries means less claims paid and thus lower rates.
  • Credit rating impacts premium rates – Having a bad credit history factor in determining premium rates. Therefore, if your credit can be improved, you could be paying less to insure your 2020 Nissan Sentra by taking the time to improve your credit score. Insureds that have high credit scores tend to be more responsible than drivers with worse credit.

Insurance coverage buyers beware

Progressive, Allstate and GEICO seem to constantly run ads on TV and radio. All the companies advertise the message about savings if you get a free auto insurance quote and switch your coverage to them. How is it possible that every company can make almost identical claims?

Most companies have strict underwriting profiles for the type of customer that will add to their bottom line. For example, a preferred risk may need to be between 25 and 40, has no tickets, and drives a car with an anti-theft system. Anybody that fits those parameters will most likely get cheap prices and will probably cut their rates if they switch.

Insureds who cannot meet those standards will be charged higher premiums which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save money. That is how insurance companies can state the savings.

Because of the profiling, it’s extremely important to compare rate quotes every year. It is just not possible to predict with any certainty which company will be your best fit.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as pain medications, X-ray expenses, doctor visits, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Nissan Sentra.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, hitting a parking meter, hitting a mailbox, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Find Good Coverage for Less

Cheaper insurance coverage can be sourced on the web and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and many times these regional carriers provide coverage only through independent insurance agencies.

We just showed you many tips how you can save on 2020 Nissan Sentra insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest prices are with the least-expected company. These companies often have lower rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

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