Best Cheap Insurance Quotes for a Nissan Sentra in Tennessee

Best Cheap Insurance Quotes for a Nissan Sentra in Tennessee

Our content editors always give us grief that when writing about auto insurance, the word cheap really should not be used anywhere in the article as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a Nissan Sentra is pretty hard to find. Don’t let that discourage you, because we will tell you how you can quote insurance that doesn’t cost an arm and a leg.

Your chances of buying cheaper insurance for a Nissan Sentra in Tennessee hinges on factors like how long your commute is, your address, and driving violations. Drivers pay an average of $980 per year for Sentra insurance, but that amount is a projection that uses rate data for a 30-year-old married female driver that has full coverage including both comprehensive and collision and $100 deductibles.

There is a very good chance that you are not exactly 30 years old and possibly not even female, you might be single instead of married, or maybe you live in a different area as the quoted rates. Even a slight change in quote information can result in big changes in quoted rates.

Car insurance rates are unique for each driver, so your best shot at finding the cheapest insurance price for your Nissan is to do your own rate comparisons.

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The specific model of Sentra can impact the cost of coverage, so the price you will pay to insure a Sentra 2 trim level will be $188 less expensive the cost to insure the higher-priced Sentra SE-R SPEC V version, as shown in the table below.

Nissan Sentra Insurance Rates in Tennessee
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $210 $440 $294 $18 $88 $1,050 $88
Sentra 2.0 S $210 $518 $294 $18 $88 $1,128 $94
Sentra 2.0 SR $210 $518 $294 $18 $88 $1,128 $94
Sentra 2.0 SL $242 $518 $294 $18 $88 $1,160 $97
Sentra SE-R $242 $518 $294 $18 $88 $1,160 $97
Sentra SE-R SPEC V $242 $596 $294 $18 $88 $1,238 $103
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in your specific Tennessee location which can lower or raise prices greatly.

Finding the highest-rated company is hard considering how many different insurance companies sell coverage in Tennessee. The ranking information shown next can help you pick which auto insurance companies you want to consider when shopping your coverage around. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in the list.

Top 10 Large Auto Insurers in Tennessee Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Top Companies for Nissan Sentra Insurance in Tennessee

Impact of speeding/accidents on Tennessee car insurance rates

In a perfect world, the ideal way to get cheap car insurance prices in Tennessee for a Sentra is to drive carefully and avoid tickets and accidents. The chart below illustrates how traffic citations and at-fault collisions can impact insurance premiums for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

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The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $1,460. Factor in one speeding ticket and the average cost hikes up to $1,679, an increase of $219 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for a Nissan Sentra goes up to an average of $2,294. That’s an increase of $834, or $70 per month, just for not being a responsible driver!

The diagram below demonstrates how deductibles can increase or decrease insurance costs when researching cheap insurance for a Nissan Sentra. The premiums are based on a married female driver, full coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2271,2071,1847,1635],[‘Age 30’, 1587,1441,1279,1123],[‘Age 40’, 1575,1431,1273,1123],[‘Age 50’, 1377,1255,1119,989],[‘Age 60’, 1313,1195,1065,941],[‘Age 70’, 1429,1301,1163,1033]]);var options = {title: ‘Deductibles and Nissan Sentra Insurance Rates in Tennessee’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 40-year-old driver could reduce rates by $258 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $388 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates as much as $636 annually by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it will be required to have enough funds in savings to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Ideas for finding budget-friendly insurance for a Nissan Sentra

The list below details some of the better penny-pinching ideas that can help drivers locate cheap auto insurance.

  • Increase your credit score
  • Buy a car with high safety ratings
  • Raise deductibles to save money
  • Prevent rate increases by staying accident-free
  • Full coverage may not be needed on older vehicles
  • Drive safely
  • Shop around for cheaper rates regularly

The last item on the list is extraordinarily necessary, as we noted in the article above. Insurance rates in Tennessee vary greatly, so don’t be afraid to buy a different policy if a lower-cost policy is available.

Having a favorite company is fine, but it’s not a great idea if that loyalty ends up costing a lot of money every month. Take a few minutes and shop around to find cheaper car insurance for a Nissan Sentra.

Cheap Nissan Sentra insurance quotes

There are a variety of different ways to compare cheaper car insurance rates in Tennessee, but the most frequently used methods are through an exclusive insurance agency like Liberty Mutual or Allstate, a non-exclusive or independent agent, or direct either online or via phone. All three ways can provide car insurance quotes, but it’s important to understand the differences in how they price policies.

Independent insurance agencies have contracts with many companies and can get rate quotes from each one. Agents of this type can sell policies from many different companies and can give you a larger rate selection, which can help you get a better chance of saving money. If you want to switch companies, they simply switch companies in-house which prevents you from having to find a new agency.

An exclusive ageny is only able to write with one company, examples being a State Farm or Farmers agent. Exclusive agents normally do not have the ability to provide other companys’ prices, so unless you get quotes from other companies, you cannot determine which is cheapest.

Drivers who opt to buy car insurance direct forego an exlusive or independent agent and buy buying direct from a company like Progressive or Geico. This option may be the best choice consumers who have little risk and know more than average about the limitations of car insurance.

So out of those three methods, which one works best for finding the best cheap insurance for a Nissan Sentra in Tennessee? We’d like to say shopping direct yields the cheapest rates because there is no agent taking a commission, but that generally is not the case. We could also assume that going through an independent agent guarantees the best prices because they can quote many companies, but again, that’s not a true statement. In a lot of cases, the exclusive agents may have prices that other companies cannot beat.

Since car insurance rates vary so much, the one way to buy the cheapest policy is to get quotes and compare the rates. If you want to save money, get prices from all three types in order to have the best selection to choose from. For a list of companies with some of the cheapest Tennessee car insurance rates, click here to view.

Company comparison: Allstate vs Geico vs State Farm vs Progressive

When it comes to buying insurance for a Sentra in Tennessee, four companies to consider are Allstate, Geico, State Farm, and Progressive. If you put them all together, they insure almost 50% of all auto insurance written. They all offer unique features and discounts that policyholders can choose from. The following table breaks down pricing and service ratings, plus some optional coverages offered by each company.

Allstate, Geico, State Farm, and Progressive Compared
Allstate Geico State Farm Progressive
Policy Discounts 1st 2nd 3rd 4th
Customer Satisfaction 2nd 1st 4th 3rd
Claims Service 1st 3rd 2nd 4th
Overall Price 4th 1st 2nd 3rd
Market share percentage 10% 11.4% 18.3% 8.8%
Mechnical breakdown No Yes No Yes
New car replacement insurance Yes No No No
Rating based on usage Yes No Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness Yes Yes No Yes
Rideshare insurance Yes Yes Yes Yes
Types of agents used Allstate exclusive agents Both online and from Geico agents Only from State Farm agents Buy online or from an independent agent
Number of agents 11,000+ 150+ 18,000+ 30,000+
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