How Much Does Insurance Cost for a Nissan Sentra in Georgia?

Whenever people write about auto insurance, the words cheap or affordable should never appear as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Nissan Sentra is not easy to find. Don’t let that discourage you, because there may be ways you can find car insurance that is cheaper than your current policy.

The likelihood of finding cheap insurance for a Nissan Sentra in Georgia depends on a whole bunch of factors like miles driven annually, whether you are claim-free, and if your driving record is clean. Drivers pay an average of $1,100 a year to insure a Sentra, but that figure is an estimation based upon a 50-year-old single female driver who needs full coverage and $500 physical damage deductibles.

When projecting a rate like this, the problem is that you may not be 50 years old (or even female), possibly married instead of single, or you need different physical damage deductibles. Auto insurance is not the same for everyone, so your best chance at finding the cheapest insurance price for your Nissan is to quote often and with as many companies as possible.

Insure Your Nissan for Less

The trim level of your Nissan tends to have a direct effect on the insurance rate, so the rate you will pay to insure a Sentra 2 trim level will be $172 less expensive the price to insure the more costly Sentra SE-R SPEC V model, as shown in the table below.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific location which can alter insurance rates noticeably.

Auto insurance company ratings

Choosing a highly-rated car insurance company is difficult considering how many companies are available to choose from in Georgia. The ranking information listed below can help you pick which coverage providers to look at when comparing rate quotes. The rankings below are for the largest companies in America, so companies that have a smaller presence are not included in these rankings.

Full coverage rates compared to liability-only

Finding cheap insurance for a Nissan Sentra in Georgia should be important to the majority of people, and one of the best ways to buy cheap insurance is to not buy full coverage. The chart below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The premiums assume no violations or accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

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If averaged for all ages, comp and collision coverage costs $2,163 per year more than buying just liability insurance. That may make you wonder if buying full coverage is worth the money. There is no set guideline for dropping physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Who is cheaper: Geico, Allstate, State Farm, or Progressive?

If you want reliable car insurance, four companies you’ll want quotes from are Geico, Allstate, State Farm, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has a slightly different set of options and discounts that shoppers can choose from. The following table compares some of the different options offered by each one.

How to find economical auto insurance for a Nissan Sentra

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help drivers quote the cheapest car insurance.

• Save money by staying claim-free
• Raise your physical damage coverage deductibles
• Home or renters coverage can save on auto insurance
• Save money by observing traffic laws and speed limits
• Accidents can significantly increase rates
• Improve your credit rating
• Shop around and save

The last idea is very significant, as was emphasized in the prior article. Auto insurance prices in Georgia go up and down frequently, so don’t be hesitant to buy from a new company if a more affordable price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty results in overpaying a lot of money. Take a few minutes and compare rates to find cheaper insurance for a Nissan Sentra.