Our editors keep telling us that when writing about auto insurance, the word cheap should never be used anywhere in the article to describe car insurance rates. Forgive the oxymoron, but cheap auto insurance for a Nissan Sentra is pretty hard to find. But don’t despair, because there may be ways you can still get insurance that won’t break the bank.
Buying cheap auto insurance for a Nissan Sentra in Massachusetts depends upon a complex equation that considers factors such as how many miles you drive each year, if you have a lapse in coverage, and citations or violations on your driving record. Drivers in Massachusetts pay on average $1,030 annually to buy Nissan Sentra insurance, but that policy rate is a valuation assuming a 30-year-old married male driver who purchased both comprehensive and collision coverage and $250 policy deductibles.
Chances are good that you’re not a 30-year-old male, single instead of married, or maybe you had a chargeable driving offense. Changing even a minor factor in rating factors or requested coverage amount can cause significant differences in rate quotes.
Insurance is an individual thing, so your best shot at finding cheap insurance rates for your Nissan is to comparison shop your policy at every renewal or at least every couple of years. Quotes are always free and you will be able to compare rates from top-rated companies around.
The specific trim level impacts the cost of coverage, so the price to insure a Sentra 2 will be $188 less than the insurance cost for the higher-end Sentra SE-R SPEC V trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$224||$512||$334||$20||$100||$1,190||$99|
|Sentra 2.0 SR||$224||$512||$334||$20||$100||$1,190||$99|
|Sentra 2.0 SL||$258||$512||$334||$20||$100||$1,224||$102|
|Sentra SE-R SPEC V||$258||$590||$334||$20||$100||$1,302||$109|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Massachusetts which can impact price quotes greatly.
Ending up with a high-quality car insurance company can be rather challenging considering how many companies are available to choose from in Massachusetts. The company ratings in the lists below may help you pick which companies you want to consider shopping prices with.
These rankings only include the largest companies in America, so companies that may only write in Massachusetts are not taken into consideration for these rankings. If you wish to compare rates from these and other companies in Massachusetts, click this link.
Finding cheap insurance for a Nissan Sentra in Massachusetts should be important to most vehicle owners, and an easy way to lower the cost of insurance is to only pay for liability coverage. The information below compares insurance prices with and without physical damage coverage. The prices are based on no violations or accidents, $100 deductibles, single marital status, and no discounts are applied.
As an average, full coverage costs an additional $2,617 per year over liability only. That is a large expense which might make you wonder if you should buy full coverage. There is no clear-cut formula that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s replacement cost is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,500 after you pay the deductible. If premium cost is more than $550 a year for physical damage coverage, then it may be the right time to buy liability only.
The illustration below demonstrates how deductible levels can increase or decrease insurance costs when getting quotes for cheap insurance for a Nissan Sentra. The premiums are based on a married male driver, full coverage, and no discounts are taken into consideration.
A 50-year-old driver could reduce rates by $306 a year by switching from a $100 deductible to a $500 deductible, or save $458 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could reduce their rates $1,028 or more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
The list below summarizes a few thrifty ideas that can help Massachusetts drivers get more affordable auto insurance.
The last item on the list is highly necessary, as we noted in the article above. Coverage rates fluctuate constantly, so drivers shouldn’t hesitate to buy from a new company if a more affordable rate is found. Having a favorite company is fine, but it isn’t a good idea if that inflexibility results in costing you thousands of dollars over several years. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for a Nissan Sentra.
Due to technology, there are many ways to quote cheap auto insurance rates in Massachusetts, but the most popular are either through an exlusive agent like Auto-Owners or State Farm, an independent or non-exclusive agent, or direct from companies such as Progressive or Geico.
Each way has the same basic process, but each is different in how they function.
Independent insurance agencies can place your business with multiple companies and can quote your policy with all of them. They are not employed by only one company and can quote rates with many companies, which can give you more bang for your buck. If prices rise, they can switch companies in-house which requires no work on your part.
Exclusive agencies are restricted to quoting rates for just one company, two examples being Allstate or State Farm agents. These agents normally cannot compare other company’s rates, so you need to shop around if the rates are high.
Drivers who opt to buy auto insurance direct bypass local insurance agents and buy direct from companies such as Esurance or Geico. This auto insurance option can be a good choice for families who do not have a lot of assets and have knowledge of the limitations of auto insurance.
So which method is best for finding cheap insurance for a Nissan Sentra in Massachusetts? Most people would assume that buying from a direct car insurance company saves the most money since there isn’t an agent involved, but that turns out to not be true. It would also be easy to say buying from an independent agent results in the cheapest rates due to increased selection, but that assumption is not true either. And sometimes, exclusive agents have coverage prices that are impossible to beat.
Due to the large number of rating factors, the only real way to get the lowest rate is to obtain price quotes and compare them. Take some time and get prices from all three to have the best rate selection. We compiled a list of companies with some of the cheapest online rates that you can click here to view.