Whether or not you can find the best cheap auto insurance for a Nissan Sentra in Connecticut depends on lots of different factors like the number of years you have been driving, the likelihood of your vehicle being stolen, and your policy deductibles. Drivers in Connecticut on average pay around $1,340 each year to buy Nissan Sentra insurance, but that cost is a projection that rates a 40-year-old single male who needs both comprehensive and collision coverage and $100 deductibles.
There’s a high likelihood you’re not a 40-year-old male, married instead of single, or maybe your driving record isn’t squeaky clean. Not everyone needs the same coverages, so the way we recommend to find the cheapest insurance price for your Nissan is to comparison shop your policy at every renewal or at least every couple of years.
The trim level of your vehicle will be a contributing factor to the yearly cost, so the cost to insure a Sentra 2 model will cost $256 less than the cost to insure the higher-priced Sentra SE-R SPEC V trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$254||$726||$418||$24||$124||$1,546||$129|
|Sentra 2.0 SR||$254||$726||$418||$24||$124||$1,546||$129|
|Sentra 2.0 SL||$290||$726||$418||$24||$124||$1,582||$132|
|Sentra SE-R SPEC V||$290||$836||$418||$24||$124||$1,692||$141|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in garaging location in Connecticut which can change premiums noticeably.
Finding affordable car insurance is not the easiest thing to do, and finding out which company offers the cheapest car insurance rates for a Nissan Sentra will take even more shopping around. Each company uses different criteria for determining rates, so we’ll go over the car insurance companies that tend to have lower prices in Connecticut.
It’s a good idea to know that Connecticut car insurance rates are impacted by many factors that can increase the price you pay. Improving your financial situation, buying another vehicle, or getting a DUI may prompt premium changes that may make certain companies much cheaper than others.
Cheap Insurance Rates for Your Sentra
Utica National generally has some of the most affordable car insurance rates in Connecticut at around $965 per year. Travelers, Amica, USAA, and Nationwide also are some of the cheaper Connecticut car insurance companies.
As shown in the table above, if you are a policyholder with USAA and switched to Travelers, you might realize yearly savings of in the vicinity of $50. Insureds with Nationwide may save as much as $226 a year, and MetLife insureds might realize rate reductions of up to $393 a year.
Bear in mind that those policy rates are averaged for all drivers and vehicles and do not factor in a specific rate factor for a Nissan Sentra. So the auto insurance company that fits your situation best may not even be shown in the company chart above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.
The obvious way to score the cheapest car insurance rates for a Sentra is to be an attentive driver and avoid accidents and traffic citations. The information below highlights how traffic violations and at-fault accidents can influence auto insurance costs for different age groups of insureds. The costs are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,175. Add in two speeding tickets and the average cost jumps to $2,926, an increase of $752 each year. Now get two accidents along with the two speeding tickets and the annual cost of car insurance for a Nissan Sentra increases to an average of $5,633. That’s an increase of $3,459, or $288 per month, just for a couple of infractions!
Finding cheap insurance for a Nissan Sentra in Connecticut is the goal of the majority of drivers, and a good way to pay less for insurance is to only pay for liability coverage. The chart below shows the comparison of insurance rates when comparing full coverage to liability only. The information is based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.
If the expense is averaged for all age categories, comp and collision coverage costs an additional $2,700 per year more than carrying just liability coverage. A very common question is if physical damage coverage is worth the money. There is no definitive rule to exclude full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s book value is $8,500 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $7,500 after paying your deductible. If you are paying in excess of $750 a year for full coverage, then you may want to consider only buying liability coverage.