Why It’s Easier to Buy Nissan Sentra Insurance Online

Expensive car insurance can overdraw your savings account, especially in this economy. Comparison shopping is a great way to cut your insurance bill. Consumers have many insurers to insure vehicles with, and though it is a good thing to have a choice, it can be more difficult to compare rates.

You should make it a habit to check car insurance prices occasionally because insurance rates trend upward over time. Even if you got the best deal on Sentra insurance a few years ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about car insurance because you’re going to learn one of the best ways to save money, get proper coverage and the best rates.

Don’t miss these discounts

Companies do not list every available discount in a way that’s easy to find, so we break down some of the best known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you are throwing money away.

• Claim Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.
• Sign Online – A handful of insurance companies will give a small break for buying your policy over the internet.
• Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
• Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
• Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
• Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
• Multiple Vehicles – Buying coverage for multiple vehicles on one policy could earn a price break for each car.
• Government Employees – Simply working for the federal government could cut as much as 10% off on Sentra insurance with certain companies.
• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

Keep in mind that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.

For a list of companies offering car insurance discounts, click here.

Why you might be paying too much to insure your Nissan Sentra

It’s important that you understand the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in big savings.

• Your job and insurance rates – Occupations like judges, architects and dentists tend to have the highest average rates in part from stressful work requirements and long work hours. Other occupations like scientists, historians and retirees receive lower rates on Sentra insurance.
• What are your deductibles? – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Nissan. Some instances where coverage would apply could be colliding with a building, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the less your car insurance will be on Sentra insurance.
• Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. These vehicles protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Nissan Sentra has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• With age comes lower rates – Young drivers have a tendency to be less responsible in a vehicle so they pay higher car insurance rates. Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
• Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Both sexes cause accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
• Claim-free discounts can add up – Car insurance companies give discounts to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

Are insurance agents a thing of the past?

A small number of people would rather sit down with an agent. Licensed agents are trained to spot inefficiencies and help in the event of a claim. The best thing about getting online price quotes is you can get the lowest rates and still have an agent to talk to.

By using this quick form, the coverage information is instantly submitted to agents in your area who will return price quotes for your insurance coverage. You don’t have to leave your computer since price quotes are sent immediately to your email address. How cool is that?!

Selecting an insurance company needs to be determined by more than just a low price. These are valid questions to ask:

• Does the agent have professional designations like CIC, CPCU or AIC?
• Are they able to influence company decisions when a claim is filed?
• What insurance company do they write the most business with?
• How many years of experience in personal lines insurance coverages do they have?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Is vehicle damage repaired with OEM or aftermarket parts?

To view licensed agents in your state, click here.

Once you have positive responses for all questions you ask in addition to an acceptable price estimate, most likely you have located an insurance company that meets your needs to properly service your car insurance policy.

Don’t listen to company ads

Consumers can’t ignore all the ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all have a common claim that you can save if you change your coverage to them.

How can each company make almost identical claims?

All companies have a preferred profile for the driver that makes them money. For example, a profitable customer could be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for this ideal profile must pay more money and ends up with the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That is how companies can advertise the savings. This illustrates why you should compare as many rates as you can. It’s not possible to predict which company will have the lowest rates.

More effort can pay off

Lower-priced Nissan Sentra insurance is attainable from both online companies in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just learned a lot of information how to reduce Nissan Sentra insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with an unexpected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.