Cheapest Insurance Quotes for a Nissan Sentra in Louisiana

Cheapest Insurance Quotes for a Nissan Sentra in Louisiana

Because the topic is car insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance prices. Sad but true, cheap auto insurance for a Nissan Sentra can be extremely hard to find. But fear not, because there may be ways you can get insurance that doesn’t cost an arm and a leg.

The chances of finding the cheapest auto insurance for a Nissan Sentra in Louisiana depends on many different factors like age of the driver, your geographic location, and if you have a history of accidents. Drivers in Louisiana on average will pay $1,600 a year to insure a Sentra, but that cost is a valuation that rates a 50-year-old single female driver that purchased full coverage and $100 deductibles.

Chances are that you’re not a 50-year-old female, you might be married instead of single, or maybe you are just looking for cheap liability insurance. Having even a minor difference in rating factors or requested coverage amount can make a large difference in the coverage rate.

This example demonstrates why the only way to find cheap car insurance rates for your Nissan is to comparison shop your policy at each renewal.

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The trim level of your Sentra tends to have a direct effect on the cost of insurance, so the price you will be charged to insure a Sentra 2 model will be $296 cheaper than the cost to insure the fancier Sentra SE-R SPEC V version, as shown in the chart below.

Nissan Sentra Insurance Rates in Louisiana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $300 $708 $524 $32 $158 $1,722 $144
Sentra 2.0 S $300 $834 $524 $32 $158 $1,848 $154
Sentra 2.0 SR $300 $834 $524 $32 $158 $1,848 $154
Sentra 2.0 SL $344 $834 $524 $32 $158 $1,892 $158
Sentra SE-R $344 $834 $524 $32 $158 $1,892 $158
Sentra SE-R SPEC V $344 $960 $524 $32 $158 $2,018 $168
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in garaging location in Louisiana which can alter auto insurance rates substantially.

Deciding which company has the cheapest insurance rates for a Nissan Sentra will take a bit more work in order to find a policy that fits your budget. Each auto insurer uses their own formula for setting rates, so let’s examine the most budget-friendly insurance companies in Louisiana.

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Cheapest insurance companies in Louisiana
Rank Company Cost Per Year
1 USAA $1,642
2 MetLife $1,836
3 GEICO $1,887
4 Progressive $1,986
5 Safeway $2,198
6 Southern Farm Bureau $2,204
7 California Casualty $2,269
8 State Farm $2,359
9 Safe Auto $2,653
10 Allstate $2,945
11 Encompass $3,234
12 Liberty Mutual $3,719
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USAA has some of the most affordable car insurance rates in Louisiana at around $1,642 per year. MetLife, GEICO, Progressive, and Safeway are also some of the lowest-priced Louisiana auto insurance companies.

As shown in the rates above, if you currently buy coverage from GEICO and switched to USAA, you could realize yearly savings of in the vicinity of $245. Louisiana drivers with Progressive may save as much as $344 a year, and Safeway insureds might reduce prices by as much as $556 a year.

To discover how much you can save, click here or visit any of the low-priced companies below.

Bear in mind that those estimates are averages for all drivers and vehicles and do not factor in a specific rate factor for a Nissan Sentra. So the insurer that is most affordable for your situation may not even be featured in the rate chart shown above. That points out the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

How much more does full coverage cost?

Finding the cheapest insurance for a Nissan Sentra in Louisiana should be important to the majority of people, and one of the easiest ways to find cheap insurance is to only buy liability insurance. The example below illustrates the comparison of auto insurance costs with and without physical damage coverage. The premiums assume no claims or driving citations, $250 deductibles, marital status is single, and no policy discounts are applied.

If averaged for all ages, physical damage insurance costs an additional $3,282 per year over and above liability only. That is a large expense and it proposes the question if it’s worth it to buy full coverage. There is no exact rule of when to drop physical damage coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

Progressive vs Allstate vs State Farm vs Geico

If you’re looking for the best insurance for a Sentra in Louisiana, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. When added together, they insure over 45% of all policies written. The following table shows ratings and policy coverage options shoppers can find with each company.

Progressive, Allstate, State Farm, and Geico Compared
Progressive Allstate State Farm Geico
Claims Rank 4th 1st 2nd 3rd
Client Satisfaction 3rd 2nd 4th 1st
Overall Cost 3rd 4th 2nd 1st
Discounts Offered 4th 1st 3rd 2nd
Market share percentage 8.8% 10% 18.3% 11.4%
Recommend by customers 88% 86% 88% 87%
Emergency roadside assistance Yes Yes Yes Yes
Breakdown insurance Yes No No Yes
Rate for vehicle usage Yes Yes Yes No
New car replacement coverage No Yes No No
Accident forgiveness coverage Yes Yes No Yes
Rideshare coverage Yes Yes Yes Yes
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Cheap Nissan Sentra insurance quotes

Thanks to the internet, there are a lot of ways to find cheaper insurance in Louisiana, but the most frequently used are through an exclusive insurance agency such as Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Progressive or Geico. Each way is similar, but they are slightly different in how they provide rate quotes.

Independent insurance agencies write business for many companies and can get policy pricing from all of them. These types of agents can sell policies from many different companies and can give you more rate choices, which may give you improved chances of finding a lower rate. If premiums increase, the agent simply finds a different carrier and you can keep the same agent.

An exclusive ageny is only able to give rates for just one company like a State Farm or Liberty Mutual agent. This type of agents cannot provide a range of price quotes, so if finding the cheapest insurance is your goal, you will want to shop around.

Choosing to buy insurance direct means you do not use an exlusive or independent agent and instead shop direct from companies such as Progressive or Esurance. Buying insurance direct may be a decent choice families who have little risk and have knowledge of what limits they need.

What is the best method for finding the cheapest insurance for a Nissan Sentra in Louisiana? The majority of people assume that buying direct saves money since there isn’t an agent involved, but unfortunately, that is not always true. It could also be said using an independent agent guarantees the best prices since there are more companies to choose from, but again, that’s not a true statement. In a lot of cases, exclusive agents have coverage prices that are the cheapest in Louisiana.

Due to that fact that insurance uses so many rating variables, really the only way to ensure the lowest rates is to compare lots of quotes. If you want to save money, get rate quotes from all three to give yourself plenty of rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to get the cheapest insurance for a Nissan Sentra in Louisiana

It is possible to find better rates, and here are some of the recommended thrifty ideas that can help you buy cheaper coverage.

  • Serious violations like DUI or careless driving can make car insurance unaffordable
  • Lower rates by purchasing a safer vehicle
  • Drivers with good credit ratings often pay less
  • Raise your deductibles
  • At-fault accidents can raise rates significantly
  • Compare rate quotes often

The final tip is extraordinarily important, as we pointed out in the prior information. Prices in Louisiana vary considerably, so don’t hesitate to buy from a different company if a more affordable rate is found.

Being loyal to a particular company is commendable, but it’s not a great idea if it’s costing you several hundred dollars every year. Take a few minutes and compare rates and find cheaper insurance for a Nissan Sentra.