The odds of finding the cheapest coverage for a Nissan Sentra in Alaska relies on many factors such as annual vehicle mileage, if you are currently insured, and your choice of deductibles. Drivers in Alaska will pay on average $660 every 12 months to insure a Sentra, but that amount is a ballpark figure based on rates for a 50-year-old married male who purchased full physical damage coverage and $500 policy deductibles.
It’s more than likely you are not exactly 50 years old and possibly not even male, maybe you are single instead of married, or you have a violation or two on your driving record. This demonstrates why the only real way to find cheap insurance rates for your Nissan is to just take the time to compare rates yourself.
The specific model of Sentra has an effect on the coverage cost, so the price you will be charged to insure a Sentra 2 trim level will be $106 less than the insurance cost for the higher-priced Sentra SE-R SPEC V version, as shown in the prices below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Sentra 2 | $116 | $242 | $262 | $16 | $78 | $714 | $60 |
Sentra 2.0 S | $116 | $286 | $262 | $16 | $78 | $758 | $63 |
Sentra 2.0 SR | $116 | $286 | $262 | $16 | $78 | $758 | $63 |
Sentra 2.0 SL | $134 | $286 | $262 | $16 | $78 | $776 | $65 |
Sentra SE-R | $134 | $286 | $262 | $16 | $78 | $776 | $65 |
Sentra SE-R SPEC V | $134 | $330 | $262 | $16 | $78 | $820 | $68 |
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can revise prices significantly.
Figuring out which insurers offer the most affordable car insurance rates for a Nissan Sentra will involve a little more work than just picking a company at random. Each auto insurance company has their own formula to set their prices, so we will examine the most affordable car insurance companies in Alaska.
It’s important that readers know that Alaska car insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Simply improving your credit, getting divorced, or getting into an accident may prompt premium changes that can make some companies affordable when they were higher priced.
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google.charts.setOnLoadCallback(drawAKT5qcibChart);function drawAKT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Umialik’, 892, ‘#67CF33’], [‘USAA’, 929, ‘#55AC2A’], [‘State Farm’, 975, ‘#468F23’], [‘Progressive’, 1260, ‘#3A771D’], [‘GEICO’, 1905, ‘#306318’]]);var options = {title: ‘Top Five Low-Priced Car Insurance Companies in Alaska’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:2005,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}
Umialik generally has some of the lowest car insurance rates in Alaska at around $892 each year. USAA, State Farm, Progressive, and GEICO also make the cut as some of the cheaper Alaska auto insurance companies.
As depicted above, if you buy coverage from USAA and switched to Umialik, you may see an annual premium reduction of in the neighborhood of $37. Drivers with State Farm could save as much as $83 a year, and Progressive insureds might lower prices by up to $368 a year.
To find out how your current rates compare, click here or visit several of the following companies.
These policy rates are averaged across all drivers and vehicles and do not factor in a specific rating modification for a Nissan Sentra. So the company that has the cheapest rates for you may not even be featured in the rate chart shown above. That’s why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
The diagram below demonstrates how deductibles can influence insurance prices when getting quotes for cheap insurance for a Nissan Sentra. The premiums assume a single female driver, comp and collision included, 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’,’$1,000 Deductible’],[‘Age 20’, 2741,2503,2249,2009],[‘Age 30’, 1881,1713,1523,1345],[‘Age 40’, 1749,1595,1425,1263],[‘Age 50’, 1527,1393,1243,1103],[‘Age 60’, 1481,1351,1207,1071],[‘Age 70’, 1731,1581,1419,1269]]);var options = {title: ‘Impact of Higher Deductibles on Nissan Sentra Insurance Rates in Alaska’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra’,minValue: 0,format: ‘$###,###’},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);}
As shown above, a 40-year-old driver could cut expenses by $284 a year by changing from a $100 deductible to a $500 deductible, or save $424 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save up to $732 each year by using a higher deductible. When raising deductibles, it will be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Car insurance companies that offer the best cheap insurance for a Nissan Sentra in Alaska may have premium discounts that may potentially lower prices by 30% or more if you meet specific criteria. Larger car insurance companies and the discounts they provide include:
The chart below illustrates the comparison of annual premium costs with and without some available policy discounts. The data is based on a female driver, no claims, a clean driving record, Alaska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, anti-theft, claim-free, defensive driving course, multiple policy, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for a Nissan Sentra is 28% or $375.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2009,1443],[‘Age 30’, 1345,973],[‘Age 40’, 1263,909],[‘Age 50’, 1103,799],[‘Age 60’, 1071,775],[‘Age 70’, 1269,913]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Nissan Sentra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Alaska’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
When it comes to insurance for a Sentra, the companies that insure more vehicles than anyone else are State Farm, Geico, Progressive, and Allstate. The next table compares some of the ratings and options that may be available in Alaska.
State Farm | Geico | Progressive | Allstate | |
---|---|---|---|---|
Price Rank | 2nd | 1st | 3rd | 4th |
Overall Satisfaction | 4th | 1st | 3rd | 2nd |
Claims Handling | 2nd | 3rd | 4th | 1st |
Number of Discounts | 3rd | 2nd | 4th | 1st |
Market share percentage | 18.3% | 11.4% | 8.8% | 10% |
Customer recommendation | 88% | 87% | 88% | 86% |
Rating from A.M. Best | A++ | A++ | A+ | A+ |
Standard & Poor’s rating | AA | AA+ | AA | AA- |
Mechanical breakdown insurance | No | Yes | Yes | No |
Accident forgiveness | No | Yes | Yes | Yes |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Rate for vehicle usage | Yes | No | Yes | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
New car replacement coverage | No | No | No | Yes |
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