Buying cheap car insurance for a Nissan Sentra depends on a fairly complex equation with a lot of factors such as whether you are male or female, what you do for a living, and your driving record. Drivers will pay around $879 annually for Sentra insurance, but that is an estimation using a 50-year-old married male driver with full coverage and $100 deductibles.
The problem with using this number is the good chance you’re not a 50-year-old male, you might be single instead of married, or maybe your Sentra is old enough that it doesn’t require full coverage. Different coverage needs are the reason why the way we recommend to find cheap insurance rates for your Nissan is to put in the effort to do a thorough rate comparison.
The trim level of your Sentra will most likely have an effect on the annual cost of coverage, so the price to insure a Sentra 2 will be $164 less than the cost to insure the fancier Sentra SE-R SPEC V trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$172||$458||$282||$16||$84||$1,012||$84|
|Sentra 2.0 SR||$172||$458||$282||$16||$84||$1,012||$84|
|Sentra 2.0 SL||$198||$458||$282||$16||$84||$1,038||$87|
|Sentra SE-R SPEC V||$198||$528||$282||$16||$84||$1,108||$92|
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in vehicle garaging location which can increase or decrease price quotes greatly.
Picking the top car insurance company can be difficult considering how many different companies there are to choose from in Seattle. The ranking data shown below may help you analyze which auto insurers you want to consider when comparing rates.
These rankings are only comprised of companies that insure vehicles across America, so companies that have a smaller presence will not be included in this list. To get price quotes from these top insurers and more, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Does full coverage make sense?
Finding the cheapest auto insurance is probably important to the majority of people, and an easy way to find cheap insurance for a Nissan Sentra is to not pay for full coverage. The example below shows the difference between insurance costs when comparing full coverage to liability only. The data assumes no claims or violations, $250 deductibles, single marital status, and no discounts are applied.
As an overall average, comprehensive and collision coverage on your policy costs an additional $1,967 per year more than just buying liability insurance. That is a big expense that brings up the question if buying full coverage is worth the money. There isn’t a steadfast formula for eliminating physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
Why you should be shopping around
Washington auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Getting older, moving to a different location, or having an accident may cause policy rate changes resulting in some rates now being more affordable than competitors. Also, insurers amend premium rates every year in order to protect their financial rating. An unexpected high level of claims may result in high rates, while lower claims can produce cheaper Sentra insurance rates.
To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in Seattle, WA for a 35-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we estimate prices based on her current risk factors, Capital may have the lowest car insurance rates in Seattle at $1,039 a year. This is $373 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are the remaining most affordable Seattle, WA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison some claims, a lower credit score, and a few blemishes on her driving record. Because each insurer has their own guidelines to determining premium rates, comparing insurance quotes will most likely result in a new list of cheap Seattle auto insurance companies as shown below.
The Hartford now has the lowest car insurance rate in Seattle with USAA, Chubb, Grange, and California Casualty now being in the top five. This example illustrates why it is important to spend some time comparing rates when trying to get the most economical car insurance quotes for a Nissan Sentra. Insurance prices are determined by many things and change dramatically, so the most economical company a year ago may now be one of the more expensive options.