Nissan Sentra insurance image courtesy of QuoteInspector.com
Buying cheap auto insurance for a Nissan Sentra doesn't take too much effort, but it hinges on many different factors such as whether the vehicle is new, your residence address, and citations or violations on your driving record. Texas drivers pay approximately $1,040 each year for Sentra insurance, but that cost is an estimate using a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
The problem with using this number is the good chance you aren't exactly 30 years old or even a male, possibly single instead of married, and you may just want the cheapest liability coverage you can find. Even a minor difference in the rating criteria used to formulate rates may result in significant differences in the cost of insurance for a Nissan Sentra.
Having different needs demonstrates why the best method for finding the cheapest coverage for your Nissan is to put in the effort to do a thorough rate comparison.
Your vehicle's trim level tends to have a direct impact on the coverage cost, so the price to insure a Sentra 2 model will be $174 less expensive the price to insure the more costly Sentra SE-R SPEC V trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$208||$472||$382||$22||$114||$1,198||$100|
|Sentra 2.0 SR||$208||$472||$382||$22||$114||$1,198||$100|
|Sentra 2.0 SL||$240||$472||$382||$22||$114||$1,230||$103|
|Sentra SE-R SPEC V||$240||$542||$382||$22||$114||$1,300||$108|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in vehicle garaging location which can affect premiums noticeably.
Finding a high-quality car insurance company can be rather challenging considering how many different companies insure vehicles in San Antonio. The company rank data displayed below could help you choose which companies you want to consider comparing rates with. The ratings below are only made up of large, nationwide insurance companies, so smaller regional companies are not factored into the list.
Top 10 Large Car Insurance Companies in San Antonio Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Large Car Insurance Companies in San Antonio Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Cost difference between full coverage and liability
Buying cheaper auto insurance is the goal of most people, and one way to pay lower rates for insurance for a Nissan Sentra is to only pay for liability coverage. The diagram below illustrates the comparison of premium costs with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.
Averaged out for all age groups, physical damage coverage on your policy costs an extra $1,993 per year more than just buying liability only. Many of you may wonder if full coverage is worth the money. There is no exact rule for phasing out comp and collision coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.
Impact of speeding/accidents on San Antonio auto insurance rates
The common sense way to obtain the best auto insurance rates in Texas for a Sentra is to be an attentive driver and maintain a clean driving record. The example below illustrates how speeding tickets and fender-benders can affect auto insurance rates for different insured age categories. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,069. Receive two speeding tickets and the average cost rises to $2,958, an increase of $889 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Nissan Sentra goes up to an average of $3,874. That's an increase of $1,805, or $150 per month, just for being a less-than-perfect driver!
Why you are probably overpaying for Sentra insurance
Texas auto insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Turning one year older, having a claim, or having a fender bender can trigger changes in premium that can make some companies more affordable than the competition.
Additionally, companies change rates without warning as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can result in high rates, while less frequent claims may cause lower-priced Sentra insurance rates.
For instance, the bar chart below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. When comparing rates based on her personal profile, Travelers quotes the most affordable car insurance rates in San Antonio at $1,112 per year. This is $792 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the most affordable San Antonio, TX auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an accident claim, slightly worse credit, and a traffic ticket or two. Due to the fact that every insurance company has their own formula for establishing rates, analyzing rates may now show a completely different list of companies as shown below.
Mercury now has the cheapest car insurance in San Antonio, TX with State Farm, USAA, Safe Auto, and Nationwide also having competitive pricing. This illustrates why it is so important to perform an extensive rate comparison when trying to find cheap auto insurance rates for a Nissan Sentra.
Rates are calculated by many risk factors and change dramatically, so the cheapest company the last time you checked may now be wasting a lot of money.
How to find economical car insurance for a Nissan Sentra
It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help you get low-cost auto insurance.
- Avoid at-fault accidents and claims
- Do not get tickets
- Having too many claims will increase rates substantially
- Full coverage may not be needed on older vehicles
- Raise your deductibles
- Comparison shop at least once a year
The last item on the list is certainly significant, as was stressed in the article above. Insurance rates change a lot, so drivers shouldn't be resistant to buy a policy from a new company if you can save money.
We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you money that could be used for better things. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for a Nissan Sentra in San Antonio.
The agents below can answer your questions and help you decide which auto insurance coverages would be the best in your situation, as many consumers aren't sure which coverage to buy and prefer to have a little guidance when trying to find lower insurance rates for a Sentra. It can be time-consuming to find the best policy yourself, and agents can bring satisfaction knowing you have suitable coverage if you have an accident.
To find a San Antonio insurance agent close to you, click the button below the list.
Sonia Flores - State Farm Insurance Agent
3103 SE Military Dr #102 - San Antonio, TX 78223 - (210) 333-1030
Donna Vaughn - State Farm Insurance Agent
6722 S Flores St - San Antonio, TX 78221 - (210) 922-8787
Tim Lucas State Farm Insurance Agent
21790 Bulverde Rd, 101 - San Antonio, TX 78259 - (210) 494-6700
Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 - San Antonio, TX 78216 - (210) 738-3537