Finding the best cheap insurance for a Nissan Sentra is pretty simple, but it depends on a lot of things such as how safe your vehicle is, whether or not you have filed claims in the past, and driving violations and tickets. Virginia drivers pay approximately $717 annually for Sentra insurance, but that cost is a projection based on a 30-year-old single male driver with full coverage and $1,000 deductibles.
Odds are that you are not 30 years old and maybe not even male, possibly married instead of single, or maybe you’re a renter instead of a homeowner. Auto insurance is not the same for everyone, so the best method for finding the cheapest rates for your Nissan is to compare as many rates as you can. In less than five minutes you will be able to compare rates from top-rated car insurance companies that insure Nissan vehicles in Virginia.
The specific model of Sentra can impact the coverage cost, so the price you will pay to insure a Sentra 2 trim level will cost $94 less than the insurance cost for the more expensive Sentra SE-R SPEC V model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$122||$248||$338||$20||$100||$828||$69|
|Sentra 2.0 SR||$122||$248||$338||$20||$100||$828||$69|
|Sentra 2.0 SL||$140||$248||$338||$20||$100||$846||$71|
|Sentra SE-R SPEC V||$140||$286||$338||$20||$100||$884||$74|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in zip code location which can change coverage prices substantially.
Finding good, low-cost car insurance is not most people’s favorite thing to do, and deciding which insurers offer the lowest-priced car insurance rates for a Nissan Sentra will require a little more work.
Each insurer uses a slightly different approach for determining rates in each state, so let’s take a look at the lowest cost car insurance companies in Virginia Beach, VA. Keep in mind that Virginia car insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Price variation is why it is crucial to shop around with many companies when trying to get the lowest auto insurance quotes for a Nissan Sentra. Car insurance prices can be altered by many risk factors and can increase or decrease at any time, so the most affordable company the last time you compared rates may now be quite expensive.
Find the Cheapest Auto Insurance for Your Sentra
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$834|
|15||National Grange Mutual||$1,071|
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Travelers normally has some of the cheapest car insurance rates in Virginia Beach at around $673 per year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also make the list of some of the more affordable Virginia Beach, VA insurance companies.
In this example, if you buy coverage from USAA and switched to Travelers, you could realize yearly savings of about $22. Customers with Penn National may save as much as $67 a year, and Cincinnati Insurance customers might lower prices by up to $68 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or click through to the companies below.
Understand that those rates are averaged across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for a Nissan Sentra. So the company that has the lowest price for you may not even be in the top 30 companies in the list above. That emphasizes why you need to get rate quotes using your own specific driver information and vehicle.
The information below demonstrates how choosing different deductibles can increase or decrease premium costs when getting quotes for cheap insurance for a Nissan Sentra. The data assumes a married male driver, full physical damage coverage, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could lower their car insurance rates by $260 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $388 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could drop their prices $792 or even more just by choosing larger deductibles. When increasing deductibles, it is a good idea to have plenty of savings on hand to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Cost difference between full coverage and liability
Saving money when shopping for car insurance is important to the majority of people, and one easy way to lower the cost of insurance for a Nissan Sentra is to only buy liability insurance. The information below visualizes the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The data is based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are factored in.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,719 per year more than just buying liability only. At some point, almost every driver questions when is the right time to remove full coverage. There is no set guideline of when to exclude full coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
There are some situations where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
The importance of shopping around for Sentra insurance
Virginia Beach car insurance rates are impacted by many things that may substantially change the price you have to pay. Simply improving your credit, moving to a different location, or having a fender bender can trigger price changes that can now make some companies more affordable than the competition.
Not only may things change on your end, but insurers amend premium rates without warning to reflect underwriting profits or losses. Higher than normal claims can cause rate hikes, while profitable underwriting may cause more affordable Sentra insurance rates.
The graph below shows which company has the cheapest car insurance in Virginia Beach, VA for a 30-year-old male driver with no accidents or violations, and a good credit rating. Based on his current situation, Travelers quotes the lowest car insurance rates in Virginia Beach at $789 annually. This is $369 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners round out the rest of the cheapest Virginia Beach, VA auto insurance companies.
Now we will give the driver from the first example an accident claim, less-than-perfect credit, and a stop sign violation. Since each auto insurer uses their own formula for establishing rates, comparing quotes could now result in a slightly different list of affordable companies as shown below.
The Hartford now has the cheapest rate in Virginia Beach, VA with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide also being competitive. This example illustrates why it is crucial to shop around with many companies when trying to get the most economical auto insurance rates for a Nissan Sentra. Car insurance prices are influenced by many factors and change dramatically, so the best price the last time you compared rates may now be one of the more expensive options.
The agents shown below can help you decide which policy fits your needs best, since many people would rather have a professional recommendation when comparing insurance rates for a Nissan Sentra. It’s not always easy to find the cheapest rate yourself, so insurance agents can provide you comfort knowing your policy gives you suitable coverage if you have an accident.
To find an auto insurance agency using an interactive map, click the button below the list.
Ed Barnhart – State Farm Insurance Agent
5660 Indian River Rd #126 – Virginia Beach, VA 23464 – (757) 366-0322
Huffman Insurance Agency
5541 Parliament Dr #209 – Virginia Beach, VA 23462 – (757) 200-3183
Jane Peak – State Farm Insurance Agent
315 N Great Neck Rd #220 – Virginia Beach, VA 23454 – (757) 340-8060
Ideas for buying more affordable insurance for a Nissan Sentra
The list below details some of the better money-saving suggestions that can help drivers find more affordable car insurance.
- Increase physical damage deductibles
- Frequent claims will increase rates
- Drive safe vehicles
- Better credit scores save money
- Home or renters coverage can save on auto insurance
- Drop full coverage on older vehicles
- Keep rates low by comparing prices once a year
The last suggestion is particularly critical, as was pointed out in this article. Insurance prices change frequently, so don’t be unwilling to buy a different policy if a cheaper rate is available. Having a favorite company is great, but it’s not a great idea if that inflexibility results in costing you a lot of money every month. It only takes a couple minutes to compare rates and find cheaper auto insurance for a Nissan Sentra in Virginia Beach.