Finding the cheapest auto insurance for a Nissan Sentra hinges on an enormous amount of rating factors such as how safe your vehicle is, the likelihood of your vehicle being stolen, and your choice of deductibles. Drivers pay around $1,309 per year for Sentra insurance, but that is an approximation calculated using a 30-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you may not be 30 years old (or even female), possibly married instead of single, and maybe your Sentra just needs liability-only coverage. Each driver’s needs are different, and that demonstrates why the best method for finding the cheapest insurance price for your Nissan is to do the rate comparisons yourself. Rate quotes are easy and you will get price quotes from the cheapest companies around.
Your Nissan’s trim level tends to have a direct impact on the insurance rate, so the price you will pay to insure a Sentra 2 will be $210 less than the price to insure the fancier Sentra SE-R SPEC V version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$232||$580||$514||$30||$154||$1,510||$126|
|Sentra 2.0 SR||$232||$580||$514||$30||$154||$1,510||$126|
|Sentra 2.0 SL||$266||$580||$514||$30||$154||$1,544||$129|
|Sentra SE-R SPEC V||$266||$668||$514||$30||$154||$1,632||$136|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in Laredo location which can modify premiums substantially.
Establishing which companies quote the most affordable auto insurance rates for a Nissan Sentra takes a tad more effort in order to find the lowest price. Every car insurance company uses a different method for establishing rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Texas.
We do need to point out that Laredo, TX auto insurance rates are based on many factors which can substantially decrease or increase the policy premium. Simply getting older, buying higher coverage limits, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being more affordable than before.
Best Auto Insurance Prices for Your Sentra
Travelers may have some of the cheapest car insurance rates in Laredo at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Laredo, TX auto insurance companies.
In this example, if you are a customer of USAA and switched to Travelers, you may see annual savings of in the vicinity of $107. Drivers with Texas Farm Bureau could save as much as $237 a year, and Germania Mutual insureds might reduce rates by $284 a year.
These rates are averages for all insureds and vehicles and are not factoring in a specific vehicle garaging location for a Nissan Sentra. So the company that fits your situation best may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
The illustration below shows how choosing a deductible can impact yearly insurance costs when quoting cheap insurance for a Nissan Sentra. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could cut expenses by $382 a year by changing from a $100 deductible up to a $500 deductible, or save $574 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, have the ability to save up to $1,176 each year by selecting a higher deductible.
If you do decide to increase your deductibles, it is a good idea to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Why are you paying too much to insure your Sentra?
Texas auto insurance rates are calculated based on many things that may substantially change the policy price. Simply having another birthday, marrying your spouse, or getting a DUI may generate price changes resulting in some rates now being cheaper than competitors.
Not only may your risk profile change, but car insurance companies file new Texas auto insurance rates as often as every quarter as an adjustment for underwriting gains or losses. Higher than usual claims can cause rate increases, while profitable underwriting may produce more affordable Sentra insurance rates.
For instance, the data below shows which company has the cheapest car insurance in Laredo, TX for a 30-year-old female driver with no prior claims, no tickets, and a good credit history. When comparing rates based on her current risk profile, Travelers might offer the best car insurance rates in Laredo at $1,257 per year. This is $647 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the best Laredo, TX auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison a chargeable accident, a little lower credit rating, and a few traffic violations. Since every insurance provider uses a different method to set policy rates, comparing prices could now result in a significantly different list of cheap Laredo auto insurance companies as shown below.
State Farm now has the lowest price on auto insurance in Laredo with USAA, Mercury, Safe Auto, and Nationwide now rounding out the top five. This demonstrates why it is critical to compare lots of rates when trying to find the most economical car insurance quotes for a Nissan Sentra. Car insurance prices are calculated by many different factors and can change without notice, so the most affordable company the last time you compared rates may now not even be in the top five.