Finding cheaper coverage for a Nissan Sentra is pretty simple, but it is dependent upon a fairly complex equation with a lot of factors such as whether you are married, your occupation, and your choice of deductibles. Drivers will pay around $1,044 a year for Sentra insurance, but that cost is calculated based on a 40-year-old married female driver with full coverage and $1,000 deductibles.
It’s highly likely you may not be 40 years old (or even female), you might be single instead of married, or maybe you just want liability only. Have just a small change in the factors used in pricing a policy may result in a big change in the cost of a policy.
Having different needs demonstrates why the best way to find affordable rates for your Nissan is to do your own rate comparisons.
The trim level of your vehicle will be a contributing factor to the coverage cost, so the cost to insure a Sentra 2 model will be $152 less than the price to insure the high end Sentra SE-R SPEC V model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$158||$418||$464||$28||$138||$1,206||$101|
|Sentra 2.0 SR||$158||$418||$464||$28||$138||$1,206||$101|
|Sentra 2.0 SL||$182||$418||$464||$28||$138||$1,230||$103|
|Sentra SE-R SPEC V||$182||$482||$464||$28||$138||$1,294||$108|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in specific zip code location which can raise or lower price quotes considerably.
Establishing which companies have the lowest-priced insurance rates for a Nissan Sentra will take a bit more effort than just picking a company at random.
Every auto insurer has a different process to set their prices, so we need to take a look at the most competitive insurance companies in Long Beach. It’s important that readers know that California insurance rates are impacted by many factors which can substantially change the price of your policy. Getting older, increasing deductibles, or getting into an accident can produce rate changes resulting in some companies being cheaper than others.
Find the Best Cheap Insurance for Your Sentra
|Rank||Company||Cost Per Year|
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USAA may have some of the cheapest car insurance rates in Long Beach at around $1,155 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheaper Long Beach, CA auto insurance companies.
As shown in the table above, if you have coverage with CSAA and switched to Wawanesa, you might achieve a yearly price reduction of around $65. California drivers with Nationwide may save as much as $69 a year, and 21st Century policyholders might reduce prices by as much as $181 a year.
To get a fast rate comparison, click here to get a free quote or quote prices from the following companies.
It’s important to note that these estimates are averages for all types of insureds and vehicles and do not take into consideration an exact zip code location for a Nissan Sentra. So the auto insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
Illustration showing the impact of accidents and violations
The best way to score affordable insurance prices in California for a Sentra is to be a careful driver and maintain a clean driving record. The diagram below shows how violations and at-fault collisions influence insurance prices for each age group. The prices are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
The chart shows that the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,955. Factor in two speeding tickets and the average cost rises to $3,985, an increase of $1,030 each year. Next add one accident along with the two speeding tickets and the annual cost of insurance for a Nissan Sentra jumps again to an average of $5,049. That’s an increase of $2,094, or $174 per month, just for being a careless driver!
The importance of shopping around
California insurance rates are determined by lots of factors which can substantially decrease or increase the policy premium. Simply improving your credit, getting divorced, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being more affordable than the competition. Not only may your situation change, but insurance companies change premium rates as needed to ensure their profitability. A period of higher than normal claims may cause high rates, while lower claim expenses may result in more affordable Sentra insurance rates.
As an example, the data below shows the cheapest car insurance in Long Beach, CA for a 35-year-old female driver with no prior claims, no tickets, and a decent credit rating. If we compare prices based on her current situation, Wawanesa might quote the cheapest car insurance rates in Long Beach at $1,429 each year. This is $222 less than the average rate paid by California drivers of $1,651. USAA, CSAA, Nationwide, and Century National are also included in the cheapest Long Beach, CA auto insurance companies.
The chart below compares rates after we give the driver from above a claim or two, slightly worse credit, and an imperfect driving record. Due to the fact that every auto insurer uses their own method to set premium rates, comparing rates may now result in a different set of the cheapest companies as shown below.
Grange now has the cheapest insurance rate in Long Beach with Mercury, Progressive, Allstate, and USAA completing the list. This example illustrates why California drivers need to shop around to find the most budget-friendly insurance quotes for a Nissan Sentra.
Prices are determined by many things and change frequently, so the most economical option a year ago may now cost much more than other companies.
The agents below can most likely help you make a decision which auto insurance coverages would be the best in your situation, as some people prefer to get some guidance when trying to find lower insurance rates for a Nissan Sentra. It can be hard to find the best coverage yourself, so getting professional guidance from a licensed agent can provide peace of mind knowing your policy gives you adequate protection. To locate a Long Beach car insurance agency near you, click the button at the bottom or click here to get price quotes now.
Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291
Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700
Von Arx, Jason – Farmers Insurance
400 Oceangate # 305 – Long Beach, CA 90802 – (562) 436-6801
How to find more affordable auto insurance for a Nissan Sentra
The list below details some of the better penny-pinching ideas that can help Long Beach drivers quote low-cost coverage.
- Buy a safer vehicle
- Maintaining good credit helps earn cheaper rates
- Avoid accidents and claims
- Keep your driving record clean
- Avoid price increases by not filing claims
- Compare rates and switch if you can find a better deal
The last idea is highly valuable, as was noted in this write-up. Insurance rates in Long Beach can be modified anytime, so drivers shouldn’t hesitate to switch carriers if a cheaper price is available.
Brand loyalty is great, but is isn’t recommended if that faithfulness ends up costing you thousands of dollars over several years. If you have a few minutes, shop around and find cheaper insurance for a Nissan Sentra.