Are you at wits end from not being able to afford to make your auto insurance payment? You’re in the same situation as many other people in California.
It’s well known that insurance companies don’t want you comparing rates. Consumers who shop around for cheaper rates will probably switch companies because there is a good chance of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that people who compared price quotes annually saved an average of $850 each year compared to drivers who never shopped around for lower prices.
If finding discount rates on car insurance in Long Beach is your ultimate goal, then learning about how to compare coverage rates can help you be more efficient.
People have many insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.
Best companies for competitive Nissan Sentra insurance in California
The following companies are our best choices to provide free rate quotes in California. To find cheap auto insurance in CA, we suggest you compare several of them to get a more complete price comparison.
Insurance data for a Nissan Sentra
The premium table displayed below showcases detailed analysis of insurance prices for Nissan Sentra models. Understanding how insurance prices are established can assist in making informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$378||$810||$578||$34||$174||$1,974||$165|
|Sentra 2.0 SR||$378||$810||$578||$34||$174||$1,974||$165|
|Sentra 2.0 SL||$434||$810||$578||$34||$174||$2,030||$169|
|Sentra SE-R SPEC V||$434||$932||$578||$34||$174||$2,152||$179|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can raise or lower prices noticeably.
Bad driving habits will cost you more
The information below shows how violations and at-fault claims can influence Nissan Sentra auto insurance costs for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Score discounts on Long Beach car insurance
Companies that sell car insurance do not list every discount very well, so below is a list both well-publicized and also the lesser-known credits that you can use to lower your rates.
- Fewer Miles Equal More Savings – Low annual miles could earn better rates on cars that stay parked.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and earn discounts up to 10%.
- Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off the medical payments premium.
- Waiver for an Accident – This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual allow you one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.
- Air Bags and Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts as much as 30%.
- Savings for New Vehicles – Buying coverage on a new vehicle can save you some money since new vehicles are generally safer.
- Government Employees – Federal government employees could qualify for a slight premium decrease with a few car insurance companies.
- Payment Discounts – If you pay your bill all at once rather than spreading payments over time you can avoid monthly service charges.
One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.
The information below visualizes the comparison of Nissan Sentra insurance prices with and without discounts. The premiums are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, multi-policy, and claim-free discounts applied.
Larger car insurance companies and some of the discounts are:
- State Farm may include discounts for good student, anti-theft, multiple policy, Drive Safe & Save, and good driver.
- GEICO includes discounts for anti-theft, seat belt use, daytime running lights, good student, federal employee, and anti-lock brakes.
- Progressive offers premium reductions for online quote discount, online signing, multi-vehicle, homeowner, continuous coverage, multi-policy, and good student.
- 21st Century policyholders can earn discounts including teen driver, 55 and older, good student, defensive driver, automatic seat belts, and air bags.
- American Family offers discounts for bundled insurance, TimeAway discount, good driver, Steer into Savings, and air bags.
- The Hartford has discounts for air bag, defensive driver, vehicle fuel type, good student, driver training, anti-theft, and bundle.
- AAA has savings for good student, good driver, pay-in-full, multi-car, education and occupation, anti-theft, and AAA membership discount.
If you need the cheapest Nissan Sentra rate quotes, ask each company or agent how many discounts you can get. Savings may not be available in Long Beach. To choose companies that offer many of these discounts in Long Beach, follow this link.
Nissan Sentra Insurance Rate Factors
Lots of things are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although others are more transparent like your continuous coverage or your financial responsibility. It’s important that you understand some of the factors that aid in calculating your insurance rates. When you understand what influences your rates, this helps enable you to make changes that will entitle you to much lower annual insurance costs.
The items below are some of the most rate-impacting factors insurance companies consider when setting prices.
Gaps in coverage mean higher rates – Going without insurance is a fast way to increase your renewal premiums. In addition to paying higher premiums, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
Your stress level may be raising your rates – Did you know your job can affect your rates? Jobs like real estate brokers, police officers, and miners tend to have higher rates than the rest of us in part from job stress and long work hours. Conversely, jobs like farmers, engineers and retirees pay lower than average rates.
The type of car makes a difference – The performance level of the car you drive makes a significant difference in how high your rates are. The cheapest rates will normally be found when insuring the lowest performance passenger cars, but the cost you end up paying is determined by many additional factors.
The next chart is based on a single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It shows Nissan Sentra car insurance rates compared to other models of vehicles that have a range of performances.
Policy add-ons add up – There are a ton of additional extra coverages you can purchase when buying insurance. Coverages for replacement cost coverage, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
Bump up deductibles to lower rates – Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. Some examples of claims that would be covered could be a broken windshield, collision with an animal, and damage caused by flying debris. Your deductibles state the amount of money you are required to spend if a covered claim is submitted. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive.
Nissan Sentra claim data – Companies use historical loss data to calculate a price that will offset any claims. Models that historically have high amounts or severity of claims will have higher premium rates. The table below shows the collected loss data for Nissan Sentra vehicles.
For each insurance policy coverage type, the claim amount for all vehicles combined as an average is set at 100. Values below 100 indicate better than average losses, while percentage numbers above 100 point to more frequent losses or statistically larger claims.
|Specific Nissan Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You may need help from an agent
Some consumers would prefer to buy from a licensed agent and there is nothing wrong with that. A good thing about price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, your insurance coverage information is transmitted to participating agents in Long Beach who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to contact an agency since price quotes are sent to you instantly. It’s the lowest rates without a big time investment. If you need to get a comparison quote from a specific company, feel free to visit that company’s website and fill out their quote form.
Finding the right company should depend on more than just the price. These are some questions your agent should answer.
- Can they give you a list of client referrals?
- How long have they worked with personal auto insurance coverage?
- Are there any discounts for paying up front?
- Is the agent CPCU or CIC certified?
- Will they make sure you get an adequate claim settlement?
- What kind of financial rating does the company have?
If you’re trying to find a reliable insurance agency, it can be helpful to understand the different types of agencies and how they are slightly different. Long Beach agents are classified as either independent agents or exclusive agents.
These type of agents can only place business with one company like State Farm, Allstate, and Farm Bureau. They usually cannot shop your coverage around so they really need to provide good service. Exclusive agents are usually quite knowledgeable on the products they sell which helps them sell on service rather than price.
Shown below is a short list of exclusive insurance agents in Long Beach that are able to give comparison quotes.
Independent Auto Insurance Agencies
These agents do not sell for just one brand and that allows them to write policies through lots of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you stay with the same agent. When comparing rates, you absolutely need to include rate quotes from a couple of independent agencies for the best price selection.
Below is a short list of independent insurance agencies in Long Beach that can give you comparison quotes.
Once you have reasonable responses to any questions you have and an acceptable price quote, you may have just found an insurance agent that meets your needs to service your policy. Just understand that you can cancel coverage whenever you wish so never feel you’re contractually obligated to any specific agency for a certain time period.
Best car insurance company in California
Selecting the right car insurance company can be difficult considering how many different companies sell coverage in Long Beach. The information in the next section could help you choose which car insurance companies to look at when looking for cheaper rates.
Top 10 Long Beach Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
How much can you save?
Budget-conscious Nissan Sentra insurance can be bought online in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates. Some insurance providers may not have online quoting and usually these small insurance companies provide coverage only through independent insurance agents.
We’ve covered some good ideas how to lower your Nissan Sentra insurance rates in Long Beach. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest rates are with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.
As you restructure your insurance plan, never buy poor coverage just to save money. There are too many instances where someone dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at a price you can afford and still be able to protect your assets.
How to find discount Nissan Sentra insurance in Long Beach
The best way to save money on Nissan Sentra insurance in Long Beach is to start comparing rates regularly from insurers who sell auto insurance in California.
First, try to understand individual coverages and the steps you can take to keep rates low. Many things that cause high rates such as at-fault accidents and a low credit rating can be eliminated by making lifestyle changes or driving safer.
Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.
Third, compare the new rates to the price on your current policy to see if a cheaper rate is available. If you find a better price and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to remember is to use identical coverages on every price quote and and to get prices from as many companies as feasibly possible. This guarantees a level playing field and a thorough price selection.
Additional information is available below:
- Booster Seat Ratings (iihs.org)
- How Much are Long Beach Car Insurance Quotes for Teachers? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Avoiding Deer Collisions (Insurance Information Institute)