Car Insurance Quotes for a Nissan Sentra in Lexington

Want to learn how to save money and find low-cost Nissan Sentra insurance in Lexington? I really doubt anyone rejoices having to buy insurance, especially when they know they could find better rates elsewhere.

Sadly, most insurance policyholders have purchased from the same company for at least the last four years, and approximately 38% of consumers have never quoted insurance rates at all. Many consumers in Kentucky can save $600 each year, but most tend to underestimate the actual amount they would save if they switched to a more affordable policy.

How to find cheaper quotes for Nissan Sentra insurance in Lexington

If saving money is your primary concern, then the best way to get the cheapest Nissan Sentra insurance in Lexington is to compare prices once a year from companies who provide auto insurance in Kentucky. Rate comparisons can be done by completing these steps.

First, read about how your policy works and the changes you can make to keep rates in check. Many policy risk factors that cause rate increases such as distracted driving and poor credit can be improved by making small lifestyle or driving habit changes. This article provides additional ideas to prevent rate hikes and get bigger discounts that may have been overlooked.

Second, get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple sources.

Third, compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, tell your current company of your intention to cancel your current coverage and submit a down payment along with a signed application for the new coverage. Don’t forget to place the new certificate verifying proof of insurance in your vehicle.

One thing to point out is to make sure you enter identical deductibles and limits on each quote and and to get quotes from as many auto insurance providers as possible. This guarantees a level playing field and a thorough price selection.

Because you have many options for buying cheaper insurance for a Nissan Sentra in Lexington, it is hard for the average consumer to locate the right insurance company.

Obtaining price quotes for the best policy in Lexington is quite easy. Essentially every driver who needs more affordable auto insurance stands a good chance to be able to save money. But Kentucky vehicle owners must know how the larger insurance companies determine what you pay and take advantage of how the system works.

When price shopping your coverage, comparing a large number of companies helps you find more affordable insurance. Not every company provides online price quotes, so it’s important to compare price quotes from them, too.

The car insurance companies shown below can provide price quotes in Lexington, KY. If your goal is to find cheap car insurance in KY, it’s highly recommended you click on several of them in order to get a fair rate comparison.

Insurance quotes and discounts

Some providers don’t necessarily list every discount they offer very clearly, so we researched some of the more common as well as some of the hidden discounts that you may qualify for.

• Cautious Driver Discount – Drivers without accidents can pay as much as 50% less than their less cautious counterparts.
• Lexington Homeowners Discount – Just being a homeowner may trigger a policy discount on insurance since owning and maintaining a home is proof that your finances are in order.
• Active Military Service – Having an actively deployed family member could mean lower insurance rates.
• Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease depending on your company.
• Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from Lexington and do not take a car to college may be insured at a cheaper rate.
• Policy Bundle Discount – If you have multiple policies with the same insurance company you could earn a discount of 10% to 20% off each policy.
• Switch and Save Discount – Some larger companies reward drivers for buying a new policy before your current coverage expires. Ten percent is about the average savings.
• Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.

A little note about advertised discounts, many deductions do not apply to the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like you can get free auto insurance, insurance companies aren’t that generous.

The chart below compares Nissan Sentra insurance costs with and without some available policy discounts. The information is based on a female driver, no claims or driving violations, Kentucky state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.

Larger insurance companies and a partial list of their discounts are detailed below.

• American Family policyholders can earn discounts including early bird, accident-free, Steer into Savings, bundled insurance, and good student.
• State Farm has savings for defensive driving training, safe vehicle, driver’s education, accident-free, and anti-theft.
• 21st Century includes discounts for air bags, anti-lock brakes, automatic seat belts, teen driver, defensive driver, early bird, and 55 and older.
• Travelers offers premium reductions for driver training, save driver, multi-policy, good student, and new car.
• GEICO offers discounts for daytime running lights, five-year accident-free, anti-theft, military active duty, emergency military deployment, and multi-vehicle.

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Some discounts listed above might not apply in Lexington. To find companies who offer free Nissan Sentra insurance quotes in Kentucky, follow this link.

Auto insurance statistics for a Nissan Sentra

The rate information displayed next showcases a range of insurance premium costs for Nissan Sentra models. Being more informed about how prices are formulated can be of help when making decisions on the best policy to buy.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rates do not factor in specific location which can raise or lower auto insurance rates significantly.

Analysis of deductible levels

One common question asked by Lexington drivers is where should you set your physical damage deductibles. The data tables below highlight the price difference when you select higher and lower physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Price information does not factor in Lexington location which can affect rates considerably.

We can derive from the above data that using a $100 deductible will cost you approximately $35 more each month or $420 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 26 months between claim filings, you would save money by going with a higher deductible.

Insurance agent or online?

Some consumers still like to buy from a licensed agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is you may find lower rates and also buy local. Buying insurance from neighborhood insurance agencies is definitely important in Lexington.

By using this form (opens in new window), your insurance coverage information is submitted to agents in your area who will gladly provide quotes for your insurance coverage. You never need to contact any insurance agencies due to the fact that quote results will go to you instantly. Get lower rates AND an agent nearby. If you have a need to get a price quote from a particular provider, don’t hesitate to visit that company’s website and submit a quote form there.

Choose an insurance agent wisely

If you prefer to buy insurance from a reliable agent, it can be helpful to understand the different types of agencies and how they differ in how they quote coverages. Insurance agents can be described as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agencies

These agents are normally appointed by many insurers so they can quote policies with a variety of different insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house which is easy for the insured. If you need cheaper insurance rates, you will definitely want to get several quotes from a few independent agents in order to have the best price comparison.

Below are Lexington independent agents that can possibly get you price quotes.

More Lexington agents

Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide other company’s prices so always compare other rates. Exclusive agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates.

Shown below are Lexington exclusive agencies that are able to give price quote information.

More Lexington agents

Picking an car insurance agent needs to be determined by more than just the quoted price. These are some questions your agent should answer.

• Are claim adjusters local or do you have to take your car somewhere else?
• Where would your vehicle be repaired?
• Do they have a Better Business Bureau rating in Lexington?
• What insurance companies do they work with in Lexington?
• What kind of financial rating does the company have?
• What discounts might you be missing?
• How experienced are they in personal risk management?
• Are they able to influence company decisions when a claim is filed?

Three reasons to insure your Nissan Sentra

Despite the fact that auto insurance is not cheap in Lexington, buying auto insurance is not optional due to several reasons.

First, the majority of states have mandatory liability insurance requirements which means state laws require a specific minimum amount of liability protection if you drive a vehicle. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a lienholder, it’s most likely the lender will make it mandatory that you buy full coverage to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Nissan at a much higher rate and force you to pay for the expensive policy.

Third, insurance protects both your assets and your Nissan Sentra. It will also reimburse you for medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance greatly outweigh the cost, especially when you need to use it. But the average driver in Kentucky is overpaying over $830 a year so you should quote your policy with other companies once a year at a minimum to save money.

Auto insurance coverage considerations

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Nissan Sentra.

Since many Kentucky drivers only carry the minimum required liability limits (Kentucky limits are 25/50/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liability limits.

Liability coverages

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Kentucky state law requires minimum liability limits of 25/50/10 but it’s recommended drivers buy more coverage.

The illustration below shows why minimum state limits may not be adequate.

Coverage for collisions

This coverage pays for damage to your Sentra resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, hitting a mailbox, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible on your Sentra to bring the cost down.

Comprehensive protection

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage kick in for bills such as dental work, surgery and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

The best rates come from being thorough

There are still a few companies who don’t offer the ability to get a quote online and these small insurance companies work with independent insurance agencies. Lower-priced Nissan Sentra insurance in Lexington is possible on the web as well as from independent agents in Lexington, and you should compare price quotes from both to have the best selection.

As you quote Lexington auto insurance, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed liability coverage limits and learned later they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

We covered a lot of information how to save on Nissan Sentra insurance in Lexington. The key concept to understand is the more you quote Lexington auto insurance, the better your chances of lowering your premium rates. Consumers may even find the lowest car insurance rates are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

How to find discount Nissan Sentra insurance in Lexington

The best way to find affordable quotes for Nissan Sentra insurance is to start comparing rates regularly from companies who provide auto insurance in Lexington. Price quotes can be compared by following these steps.

1. It will benefit you to learn about what is in your policy and the things you can control to keep rates in check. Many rating factors that cause rate increases such as traffic violations, accidents, and a less-than-favorable credit rating can be improved by improving your driving habits or financial responsibility.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive and State Farm, while independent agents can quote rates for many different companies.
3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide notification to your current agent or company of your intent to cancel your current car insurance policy and submit payment and a signed application for the new coverage. As soon as you have the new policy, place your new proof of insurance certificate in your vehicle’s glove compartment or console.

One key aspect of rate comparisons is to use identical coverages on every quote request and and to compare as many carriers as you can. This provides an apples-to-apples comparison and a better comparison of the market.

Other learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for Safe Drivers in Lexington? (FAQ)
• Who Has Affordable Lexington Auto Insurance Rates for Real Estate Agents? (FAQ)
• Who Has Cheap Lexington Auto Insurance Quotes for a Subaru Impreza? (FAQ)
• Who Has Cheap Lexington Auto Insurance Rates for a Nissan Rogue? (FAQ)
• Booster Seat Ratings (iihs.org)
• Auto Crash Statistics (Insurance Information Institute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)