Buying competitive auto insurance for a Nissan Sentra hinges on an enormous amount of rating factors such as the safety rating for your Sentra, whether or not you have prior claims, and the deductible amount you use. California drivers pay around $936 a year to insure their Sentra, but that figure is an estimation calculated using a 50-year-old married male driver with full coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you aren't exactly 50 years old or even a male, possibly single instead of married, or you just prefer to insure for liability only. Auto insurance is unique to each driver, so the way we recommend to find the cheapest insurance price for your Nissan is to just take the time to compare rates yourself. It's really quite easy you can get rates from the best auto insurance companies that offer coverage in California.
The trim level of your Sentra tends to impact the cost of coverage, so the price you will be charged to insure a Sentra 2 model will be $130 less than the cost to insure the more costly Sentra SE-R SPEC V trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$144||$362||$424||$26||$126||$1,082||$90|
|Sentra 2.0 SR||$144||$362||$424||$26||$126||$1,082||$90|
|Sentra 2.0 SL||$164||$362||$424||$26||$126||$1,102||$92|
|Sentra SE-R SPEC V||$164||$418||$424||$26||$126||$1,158||$97|
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Table data assumes married male driver age 50, 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. Estimates do not factor in specific location information which can modify price quotes significantly.
Establishing which companies quote the best insurance rates for a Nissan Sentra in California involves a bit more effort in order to find the most economical policy. Every insurance provider has a unique formula for determining rates in each state, so to begin we'll rank the insurance companies that tend to have lower prices in California.
Compare Cheap Insurance Quotes for Your Sentra
|Rank||Company||Cost Per Year|
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USAA may offer some of the cheapest car insurance rates in California at around $1,155 a year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the lowest-priced California car insurance companies.
As shown in the table above, if you are currently insured with Nationwide and switched to USAA, you could realize a yearly price reduction of in the neighborhood of $71. Drivers with Century National might save as much as $71 a year, and 21st Century insureds might realize rate reductions of up to $224 a year.
To get a quick, customized rate comparison, click here to get a free quote or feel free to get quotes from the companies below.
These premium estimates are averages for all insureds and vehicles and and are not figured with a specific rate value for a Nissan Sentra. So the car insurance company that can offer you the best rate may not even be in the top 24 companies in the list above. That emphasizes why you need to compare as many prices as possible using your own individual information.
Accidents and violations increase rates
In a perfect world, the ideal way to find the cheapest insurance premiums in California for a Sentra is to drive carefully and avoid accidents and traffic citations. The illustration below illustrates how speeding tickets and at-fault accidents can increase insurance prices for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of auto insurance per year with no violations or accidents is $2,500. Factor in one speeding ticket and the average cost surges to $2,872, an increase of $372 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance for a Nissan Sentra in California goes up to an average of $3,930. That's an increase of $1,430, or $119 per month, just for being a little careless behind the wheel!
The importance of shopping around for Sentra insurance
California insurance rates are impacted by many things that control the price you have to pay for coverage. Turning one year older, adding a teenager to your policy, or getting into an accident may cause policy rate changes that can cause some rates to be cheaper in comparison to the competition. In addition to those changes, companies change rates multiple times each year in order to maintain liquidity for claims. Higher than usual claims can cause higher rates, while a profitable period can produce cheaper Sentra insurance rates.
To illustrate this point, the bar chart below shows the companies that have the cheapest car insurance in California for a 45-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on his current risk profile, USAA may have the most affordable car insurance rates in California at $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the cheapest California auto insurance companies.
Now let's give the driver from above some claims, a lower credit score, and a blemish on his driving record. Since each auto insurance company uses their own method to set their prices, getting updated rate quotes may result in a completely different list of cheap California auto insurance companies as shown below.
Grange now has the lowest car insurance rate in California with Allstate, Mercury, Allied, and Progressive now rounding out the top five. This illustrates why it is important to spend some time comparing rates when trying to get the most economical car insurance quotes for a Nissan Sentra.
Insurance rates consist of many factors and change dramatically, so the cheapest option three years ago may now be quite expensive.
How to find the cheapest auto insurance for a Nissan Sentra in California
Below you'll find some of the better thrifty solutions that can help California drivers buy more affordable auto insurance.
- Having at-fault accidents will increase rates
- Violations like speeding or DUI increase rates
- Buy a safer vehicle
- Raise your deductibles
- Do not pay for full coverage if not needed
- Good credit can help you save money
- Compare rate quotes frequently
The last tip in the list is very critical, as we hit on in the prior article. Insurance prices vary considerably, so drivers shouldn't be resistant to buy from a different company if you can save money.
Staying with the same car insurance company is fine, but we do not recommend it if that devotion results in you overpaying a small fortune year after year. In just a couple of minutes you could shop around to find cheaper auto insurance for a Nissan Sentra.