Cheapest Nissan Sentra Insurance in San Antonio

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Insurance for Nissan SentraHow long have you put off shopping around for cheaper Nissan Sentra insurance in San Antonio? Getting the most affordable San Antonio Nissan Sentra insurance quotes online can seem to be rather challenging for consumers new to quoting and comparing rates and buying insurance on the web. With so many options of insurers to choose from, how can consumers be able to compare them all to find the best available price?

Everyone knows that auto insurance companies want to prevent you from shopping around. People who get price comparisons are likely to switch companies because there are good odds of finding discount prices. A recent insurance study discovered that consumers who faithfully checked for cheaper rates saved on average $70 a month compared to people who don't make a habit of comparing rates.

If finding the most affordable car insurance is the reason for your visit, learning how to get rate quotes and compare insurance rates can help simplify the task of finding more affordable coverage.

If you are insured now, you will definitely be able to reduce the price you pay using the ideas presented in this article. Our goal in writing this article instruct you on the best methods to compare rates and some tricks to saving. But Texas car owners can benefit by having an understanding of how insurance companies determine what you pay and use it to find better rates.

Quote San Antonio Nissan Sentra insurance online

When comparing insurance rates, know that making a lot of price comparisons will enable you to find a better price.

The companies shown below are our best choices to provide comparison quotes in San Antonio, TX. If the list has multiple companies, it's a good idea that you visit as many as you can to find the lowest auto insurance rates.

San Antonio insurance discounts for a Nissan Sentra

Some insurance providers don't always publicize all available discounts in an easy-to-find place, so the following is a list of some of the more common in addition to some of the lesser obvious credits available to you. If you don't get every credit you qualify for, you may be paying too high a price.Auto insurance discounts

  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • Waiver for an Accident - This isn't a discount exactly, but certain companies allow you one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.
  • New Car Discount - Insuring a vehicle that is new can save up to 30% because newer models are generally safer.
  • Policy Bundle Discount - If you can combine your auto and home policy with one company you could earn a discount of up to 20% off your total Sentra insurance premium.
  • Early Switch Discount - Select companies give a discount for renewing your policy before your current coverage expires. It can save you around 10%.
  • Theft Deterrent Discount - Cars and trucks equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
  • Student in College - Older children who are attending college and do not take a car to college may qualify for this discount.
  • Drive Safe and Save - Insureds without accidents may receive a discount up to 45% than drivers with accident claims.
  • Seat Belt Usage - Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraints - Cars that have air bags may earn rate discounts as much as 30%.

Drivers should understand that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it's just not the way it works.

The diagram below illustrates the comparison of Nissan Sentra insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-policy, and multi-car discounts applied.

For a list of insurers that can offer you the previously mentioned discounts in San Antonio, click here to view.

Rate information and statistics

The table shown next covers different insurance prices for Nissan Sentra models. Having a good grasp of how rate quotes are established can help guide drivers when making informed decisions when comparing rates.

Nissan Sentra Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $280 $682 $462 $28 $138 $1,590 $133
Sentra 2.0 S $280 $802 $462 $28 $138 $1,710 $143
Sentra 2.0 SR $280 $802 $462 $28 $138 $1,710 $143
Sentra 2.0 SL $322 $802 $462 $28 $138 $1,752 $146
Sentra SE-R $322 $802 $462 $28 $138 $1,752 $146
Sentra SE-R SPEC V $322 $924 $462 $28 $138 $1,874 $156
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can revise rates substantially.

Analysis of deductible levels

When shopping for insurance, a common question is at what level do you set your deductibles. The premium rates below may aid in understanding how much more rates are between low and high deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Nissan Sentra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $286 $592 $382 $22 $114 $1,421 $118
Sentra 2.0 S $286 $698 $382 $22 $114 $1,527 $127
Sentra 2.0 SR $286 $698 $382 $22 $114 $1,527 $127
Sentra 2.0 SL $328 $698 $382 $22 $114 $1,569 $131
Sentra SE-R $328 $698 $382 $22 $114 $1,569 $131
Sentra SE-R SPEC V $328 $804 $382 $22 $114 $1,675 $140
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Nissan Sentra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $208 $400 $382 $22 $114 $1,126 $94
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 $240 $472 $382 $22 $114 $1,230 $103
Sentra SE-R SPEC V $240 $542 $382 $22 $114 $1,300 $108
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location information which can lower or raise insurance rates noticeably.

We can estimate from the data above that using a $100 deductible costs about $28 more each month or $336 annually than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 14 months between claim filings, you would save money by selecting a higher deductible.

The illustration below shows how choosing a deductible and can raise or lower Nissan Sentra insurance rates for each different age category. The data is based on a married male driver, full coverage, and no policy discounts are applied.

Cost comparison with and without full coverage

The information below illustrates the comparison of Nissan Sentra insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no accidents or driving violations, $250 deductibles, drivers are single, and no policy discounts are applied.

When to drop full coverage

There is no exact formula of when to eliminate comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Nissan Sentra replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after you pay the deductible. If you are paying over $600 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Shop online but buy locally

Certain consumers would prefer to talk to a local agent and often times that is recommended One of the best bonuses of comparing insurance prices online is that you can obtain cheap car insurance quotes and still have an agent to talk to.

Find insurance agent in San AntonioTo help locate an agent, after submitting this quick form, the quote information is transmitted to local insurance agents in San Antonio that give free quotes for your coverage. There is no reason to drive around since rate quotes are delivered instantly to you. You can find better rates and a licensed agent to talk to. If for some reason you want to get a rate quote for a specific company, feel free to navigate to their website and fill out their quote form.

Finding a good company requires more thought than just the bottom line cost. Any good agent in San Antonio should know the answers to these questions.

  • Which family members are covered?
  • Did they already check your driving record and credit reports?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they see any coverage gaps in your plan?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are they properly licensed to sell insurance in Texas?
  • How long have they worked with personal auto insurance coverage?

Below are agents in San Antonio that are able to give rate quotes for Nissan Sentra insurance in San Antonio.

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How do Car Insurance Companies Determine Nissan Sentra Insurance Prices?

Smart consumers have a good feel for some of the factors that play a part in calculating the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can help you get much lower annual insurance costs. Many different elements are part of the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, although some other factors are less apparent such as your marital status or how financially stable you are.

Shown below are a few of the things car insurance companies consider when setting your premiums.

  • Gender and insurance costs - Over the last 50 years, statistics have shown that women are safer drivers than men. That doesn't necessarily mean that females are better at driving than males. Both sexes cause fender benders at about the same rate, but males cause more damage. Men also receive more major tickets like DUI and reckless driving.

    The example below illustrates the difference between Nissan Sentra yearly insurance costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied.

  • Bundle home and auto and save - Most larger insurers afford discounts to insureds that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to ensure the best deal.
  • Traffic violations will cost you - How you drive impacts premiums far more than you think. Even a single moving violation can boost insurance rates by as much as thirty percent. Attentive drivers pay less for auto insurance compared to drivers with tickets. Drivers who get careless citations such as DUI or reckless driving may find that they have to to maintain a SR-22 with their state in order to continue driving.

    The chart below shows how traffic citations and at-fault collisions impact Nissan Sentra premium costs for different age groups of insureds. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

  • Your stress level may be raising your prices - Careers such as lawyers, social workers, and dentists are shown to have higher premium rates due to intense work-related stress and long work hours. On the flip side, jobs like actors, athletes and retirees pay lower than average rates.
  • Insurance losses for a Nissan Sentra - Companies study historical loss data when setting rates for each model. Vehicles that tend to have increased losses will have higher rates for specific coverages. The table below demonstrates the insurance loss data for Nissan Sentra vehicles.

    For each policy coverage type, the loss probability for all vehicles, as an average, equals 100. Values that are 100 or less indicate better than average losses, while numbers above 100 point to more claims or tendency to have larger claims.

    Auto Insurance Loss Data for Nissan Sentra Models
    Make and 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

Choosing the best Nissan vehicle insurance in Texas is an important decision

Even though it can be expensive, insuring your vehicle is most likely required but also gives you several important benefits.

  • The majority of states have minimum liability requirements which means you are required to buy a specific minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Sentra, most banks will stipulate that you have full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may insure your Nissan at a much higher rate and force you to pay for the much more expensive policy.
  • Car insurance protects not only your Nissan Sentra but also your assets. It also can pay for many types of medical costs for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying adequate insurance outweigh the cost, especially with large liability claims. The average driver in Texas overpays as much as $865 each year so you should quote and compare rates each time the policy renews to ensure rates are competitive.

Compare rates regularly to save

When buying insurance coverage, you should never reduce needed coverages to save money. There are too many instances where someone dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage for the lowest price, but don't skip important coverages to save money.

Lower-priced Nissan Sentra insurance in San Antonio is definitely available both online and also from your neighborhood San Antonio agents, and you should compare rates from both to have the best chance of lowering rates. A few companies don't offer rate quotes online and usually these regional carriers work with independent agents.

In this article, we presented some good ideas how you can shop for Nissan Sentra insurance online. It's most important to understand that the more quotes you get, the better your comparison will be. You may even find the lowest priced auto insurance comes from an unexpected company.

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