Cheap 2022 Nissan Sentra Car 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: May 24, 2024

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When trying to find cheaper insurance, do you get frustrated by the dozens of auto insurance providers? Many other drivers are as well. vehicle owners have so many providers available that it can easily become a difficult mission to find the lowest price.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. The purpose of this article is to let you in on how to effectively get price quotes. Nevertheless, car owners should learn how companies market on the web and apply this information to your search.

How to buy car insurance online

Most of the larger companies allow consumers to get coverage prices online. The process is possible for anyone as you simply enter the coverage amounts you desire into the quote form. After you submit the form their system pulls reports for credit and driving violations and gives you a price quote based on many factors.

Being able to quote online makes it a lot easier to compare rates but the time it takes to visit many different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to find the lowest car insurance rates.

A more efficient way to locate the lowest prices makes use of a single form that gets prices from more than one company. It’s a real time-saver, helps eliminate repetitive entry, and makes rate comparisons much easier to do. Immediately after you send the form, it gets priced and you can select your choice of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It just takes a couple of minutes and could lower your rates considerably.

To compare pricing, simply enter your zip code here and submit your coverage information. If you currently have coverage, we recommend you duplicate coverages and limits just like they are on your policy. This way, you will have an apples-to-apples comparison based on the exact same insurance coverage.

Don’t overlook these insurance discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Most are applied when you complete an application, but occasionally some discounts must be asked for prior to receiving the credit.

  • Safety Restraint Discount – Requiring all passengers to buckle up before driving can save a little on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Membership in Organizations – Affiliation with qualifying employment or professional organizations could trigger savings on your next insurance statement.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Sentra coverage compared to accident prone drivers.
  • Resident Student – Older children who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
  • Defensive Driver Discounts – Completing a safe driver course could save 5% or more and make you a better driver.
  • Accident Free – Insureds with no claims or accidents have much lower rates when compared to drivers who are more careless.
  • Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally until age 25.
  • Home Ownership Discount – Owning a home may trigger a policy discount on insurance since home ownership is proof that your finances are in order.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

A few popular companies and their possible discounts include:

  • Progressive offers discounts for good student, online quote discount, continuous coverage, multi-vehicle, multi-policy, and online signing.
  • MetLife offers discounts including good student, multi-policy, good driver, claim-free, and defensive driver.
  • Mercury Insurance has discounts for good driver, annual mileage, professional/association, accident-free, ease of repair, low natural disaster claims, and good student.
  • Nationwide policyholders can earn discounts including easy pay, family plan, defensive driving, Farm Bureau membership, and multi-policy.
  • GEICO includes discounts for multi-vehicle, five-year accident-free, military active duty, good student, multi-policy, and federal employee.
  • AAA may include discounts for good driver, multi-policy, multi-car, AAA membership discount, pay-in-full, good student, and anti-theft.

Double check with each company or agent what discounts are available to you. All car insurance discounts may not be available in your area. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

When to get professional advice

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • How high should my medical payments coverage be?
  • How much can I save by bundling my policies?
  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What if I total my 2022 Nissan Sentra and owe more than it’s worth?
  • How much liability coverage do I need in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • What is high-risk coverage and where do I buy it?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

This will pay to fix damage to your Sentra resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for pain medications, doctor visits, dental work, hospital visits and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane, a broken windshield, hitting a bird and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

Liability insurance can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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