Save Money on Nissan Sentra Insurance in Lubbock

Overpriced Nissan Sentra insurance in Lubbock can take a big chunk out of your monthly budget and put a big crunch on your finances.

It’s a known fact that car insurance companies don’t want you to compare rates. People who shop around at least once a year will, in all likelihood, switch insurance companies because there is a high probability of finding coverage at a cheaper rate. A recent study showed that people who shopped around saved as much as $865 annually compared to other drivers who never compared rates.

If finding the lowest rates on Nissan Sentra insurance in Lubbock is the reason for your visit, then having some knowledge of how to compare car insurance can make it simple to find affordable coverage. Due to the fact that there are so many insurance companies to choose from, it is very difficult to choose the best insurance provider.

Our objective is to help you learn how car insurance companies work and some tricks to saving. If you are insured now, you will surely be able to reduce premiums using the ideas presented in this article. You only need to know the most time-saving way to compare price quotes over the internet.

Cheap car insurance in Lubbock, TX

The following companies have been selected to offer free rate quotes in Lubbock, TX. To buy the best cheap car insurance in TX, we suggest you visit two to three different companies in order to get a fair rate comparison.

Nissan Sentra detailed coverage information

The data table shown below outlines different insurance policy prices for Nissan Sentra models. Having a better idea how insurance policy premiums are formulated can help you make smart choices when purchasing an auto insurance policy.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in zip code location which can impact prices substantially.

Analysis of deductible levels

One frequently asked question is which deductibles should you choose. The premium rates below may help to conceptualize the costs and benefits when you buy lower versus higher insurance deductibles. The first rate table uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rates do not factor in zip code location which can impact rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $28 more each month or $336 every year than buying the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 14 months between claim filings, you would most likely save money going with the higher deductible.

The diagram below illustrates how choosing a deductible and can influence Nissan Sentra insurance costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Impact of citations and accidents on insurance rates

The chart below illustrates how traffic citations and accidents influence Nissan Sentra yearly insurance costs for different insured age categories. The information is based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Full coverage rates vs. liability-only

The diagram below visualizes the comparison of Nissan Sentra auto insurance rates when comparing full coverage to liability only. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no exact formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your Nissan Sentra book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 annually for full coverage, then you might want to think about dropping full coverage.

There are a few cases where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Take advantage of these seven discounts on Nissan Sentra insurance in Lubbock

Auto insurance companies do not advertise the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

• Data Collection Discounts – Insureds that choose to allow data collection to analyze driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
• Paperwork-free – A few larger online companies give back up to $50 for buying a policy and signing up on their website.
• Multiple Policy Discount – When you combine your homeowners and auto insurance with one insurance company you could earn a discount of up to 20% and get you cheap Sentra insurance.
• Military Deployment Discount – Being on active deployment in the military could be rewarded with lower rates.
• Discount for Good Grades – Being a good student can save 20 to 25%. The good student discount can last up to age 25.
• Defensive Driving Course – Taking a course teaching defensive driver skills is a good idea and can lower rates and also improve your driving technique.
• Drivers Ed for Students – Teen drivers should complete a driver education course in school or through a local driver safety program.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will bring down your overall bill.

The chart below shows the comparison of Nissan Sentra yearly insurance costs with and without discounts applied to the rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, homeowner, and multi-policy discounts applied.

A few companies that may offer quotes with many of the previously listed discounts are:

• Progressive
• The Hartford
• Mercury Insurance
• GEICO
• AAA
• State Farm

Before buying, ask all companies you are considering which discounts they offer. Discounts might not be offered in every state. To view providers offering insurance discounts in Lubbock, click here.

Insurance is available from local agents

Some consumers would rather sit down with an agent and that is OK! Licensed agents can point out coverage gaps and help in the event of a claim. One of the great benefits of comparing insurance online is that you can find the lowest rates but still work with a licensed agent. Buying from and supporting local insurance agencies is important particularly in Lubbock.

By using this simple form, your coverage information is sent to local insurance agents that can give you free Lubbock car insurance quotes for your business. There is no reason to contact an agency as quotes are delivered to you. If for some reason you want to get a rate quote from one company in particular, don’t hesitate to go to their quote page and give them your coverage information.

Best car insurance agent in Lubbock

If you prefer to buy insurance from local Lubbock agents, you need to know there are two different agency structures and how they are distinctly different. Insurance agents may be either independent (non-exclusive) or exclusive. Both types can sell insurance policies, but it’s important to know how they are different because it may have an impact on your selection of an agent.

Independent Agents

Agents of this type can sell policies from many different companies so as a result can place your coverage through many different insurance companies and find the cheapest rate. If prices rise, the business is moved internally which requires no work on your part.

If you are trying to find cheaper rates, you absolutely need to check rates from independent agents for the best price selection.

Shown below are Lubbock independent insurance agents that can possibly get you free price quotes.

More insurance agents

Exclusive Insurance Agents

Agents in the exclusive channel can only provide one company’s prices like Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide other company’s prices so always compare other rates. Exclusive agents are well trained on sales techniques which aids in selling service over price.

Below is a short list of exclusive insurance agencies in Lubbock who can help you get price quote information.

More insurance agents

Picking an auto insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:

• Can they provide you with a list of referrals?
• If your car is in the repair shop, do you have coverage for a rental car?
• Does the company have a local claim office in Lubbock?
• How long has the business existed?
• Are there any extra charges for paying monthly?
• How much can you save by raising your physical damage deductibles?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How many companies do they write for?

Learn about auto insurance coverages for a Nissan Sentra

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for hospital visits, EMT expenses and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto insurance – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance – This coverage can cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 30/60/25 which means a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, repair costs for stationary objects, bail bonds and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but drivers should carry more coverage.

The chart below demonstrates why low liability limits may not be high enough to adequately cover claims.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Sentra.

Because many people only purchase the least amount of liability that is required (30/60/25 in Texas), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your Sentra to save money on collision insurance.

Smart shoppers get results

As you quote Lubbock car insurance, don’t be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced full coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

Cheap Nissan Sentra insurance in Lubbock is attainable online and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer price quotes online and many times these small, regional companies sell through independent agents.

How to find affordable quotes for Nissan Sentra insurance in Lubbock

Really, the only way to find low-cost Nissan Sentra insurance in Lubbock is to start doing an annual price comparison from insurance carriers in Texas. This can be done by following these steps.

First, try to learn about what coverages are included in your policy and the changes you can make to lower rates. Many policy risk factors that cause rate increases like inattentive driving and a negative credit score can be rectified by making minor changes in your lifestyle.

Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide prices for many different companies.

Third, compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Lubbock. If you find a lower rate and change companies, verify that coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel your current coverage and submit the application along with any required down payment to the newly selected company. Don’t forget to place your new certificate verifying proof of insurance along with your vehicle registration.

One tip to remember is to use identical coverage information on each quote request and and to compare as many different insurance providers as possible. Doing this ensures a level playing field and a thorough price selection.

Even more information can be found in these articles:

• Safety Tips for Teen Drivers (Insurance Information Institute)
• Who Has the Cheapest Car Insurance for Ride Shares in Lubbock? (FAQ)
• Who Has Affordable Car Insurance Quotes for High Mileage Drivers in Lubbock? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Active Military in Lubbock? (FAQ)
• Who Has Affordable Auto Insurance for Electric Cars in Lubbock? (FAQ)
• Understanding your Policy (NAIC.org)
• Distracted Driving Statistics (Insurance Information Institute)