The easiest way to get cheaper Nissan Sentra insurance is to do an annual price comparison from insurers who sell insurance in Mesa.
- Spend some time learning about auto insurance and the steps you can take to keep rates in check. Many policy risk factors that drive up the price like accidents, traffic tickets, and an unacceptable credit score can be eliminated by making minor driving habit or lifestyle changes. This article provides the details to prevent high prices and find overlooked discounts.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can provide price quotes from multiple companies.
- Compare the new rates to the price on your current policy to determine if you can save on Sentra insurance in Mesa. If you find a better price and make a switch, ensure there is no coverage lapse between policies.
- Provide proper notification to your current company of your decision to cancel your current auto insurance policy. Submit payment and a signed application for your new policy. Once the application is submitted, put the new certificate verifying coverage in an easily accessible location.
One thing to point out is to use the same liability limits and deductibles on every price quote and and to get rate quotes from as many different companies as possible. This enables a fair price comparison and the best price quote selection.
It’s an obvious statement that car insurance companies want to keep your business as long as possible. Insureds who shop around for better prices will presumably switch insurance companies because there is a high probability of getting low-cost coverage. A study discovered that people who compared rates regularly saved $850 each year compared to people who didn’t regularly shop around.
If finding the cheapest price on Nissan Sentra insurance is your intention, then learning a little about how to quote prices and compare cheaper coverage can help make the process easier.
Coverage analysis
The rate table displayed next outlines detailed analysis of rate quotes for Nissan Sentra models. Being more informed about how premiums are established can help you make smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Sentra 2.0 S | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Sentra 2.0 SR | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Sentra 2.0 SL | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sentra SE-R | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sentra SE-R SPEC V | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in specific location which can revise premium rates considerably.
The information below shows how different deductible levels and can influence Nissan Sentra insurance costs for each age group. The data assumes a married male driver, full physical damage coverage, and no discounts are taken into consideration.
Price comparison of only insuring for liability
The information below shows the difference between Nissan Sentra car insurance costs with full coverage and liability only. The costs are based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied to the premium.
Guidelines for dropping full coverage
There is no exact rule for dropping comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Nissan Sentra replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after paying the physical damage deductible. If premium cost is more than $300 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where eliminating full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.
How Your Sentra Insurance Costs are Determined
An important part of buying insurance is that you know some of the elements that help determine your policy premiums. When you know what positively or negatively influences your rates, this allows you to make educated decisions that may result in better auto insurance rates.
The items below are some of the items that factor into your rate level.
Insure your auto and home with one company – Many insurers allow lower prices to policyholders that buy multiple policies, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you’re getting this discount you still need to compare Nissan Sentra rates in Mesa to confirm you are receiving the best rates possible. Consumers may save even more than the discount even if you insure with multiple companies
Occupation can influence rates – Did you know your job can affect your rates? Jobs such as military personnel, air traffic controllers, and financial analysts tend to pay the highest rates due to intense work requirements and long work hours. Conversely, jobs like farmers, historians and the unemployed receive lower rates.
Teen driver insurance premiums – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets. Beginning drivers are proven to be careless and easily distracted when driving so auto insurance rates are higher.
The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Low physical damage deductibles cost more – Deductibles for physical damage are the amount of money you are willing to pay if a covered claim is submitted. Physical damage protection, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply are rear-ending another vehicle, vandalism, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the less your auto insurance will be.
Loss probability for a Nissan Sentra – Car insurance companies take into consideration historical loss data for every vehicle to determine a rate that will be profitable for them. Models that historically have high amounts or severity of claims will have higher rates for specific coverages. The next table shows the historical loss data for Nissan Sentra vehicles.
For each coverage type, the loss probability for all vehicles, without regard to make or model, is a value of 100. Numbers below 100 are indicative of better than average losses, while percentage values above 100 indicate more frequent claims or a tendency for claims to be larger.
| Specific Nissan Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Sentra | 120 | 107 | 81 | 158 | 179 | 141 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
More comparisons equals affordable rates
We covered many tips how you can save on Nissan Sentra insurance in Mesa. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the best price on car insurance is with a small local company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
Some insurance providers may not provide price quotes online and these regional carriers provide coverage only through local independent agencies. Low-cost Nissan Sentra insurance in Mesa is available from both online companies and also from your neighborhood Mesa agents, so you should compare both to have the best rate selection.
When getting Mesa car insurance quotes online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured cut full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.
Even more information can be found in the articles below:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has Cheap Mesa Car Insurance Rates for Seniors? (FAQ)
- How Much are Auto Insurance Quotes for State Employees in Mesa? (FAQ)
- Coverage Information (Progressive Insurance)
- Senior Drivers (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)