Buying cheap insurance for a Nissan Sentra in Arizona is dependent upon a large number of factors such as whether you are male or female, the likelihood of your vehicle being stolen, and violations on your driving record. Drivers in Arizona will pay around $1,165 annually to insure their Sentra, but that cost is a projection based upon a 40-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
More likely than not, you’re not a 40-year-old male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Having what appears to be a very minor change in rating variables or coverage information may result in significant differences in the amount insurance costs for a Nissan Sentra.
Everyone has unique insurance needs, and this illustrates why the way we recommend to find the cheapest coverage for your Nissan is to do your own rate comparisons.
Your Nissan’s trim level has an effect on the annual cost of coverage, so the price you will pay to insure a Sentra 2 trim level will be $222 less than the cost to insure the more costly Sentra SE-R SPEC V version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$220||$632||$362||$22||$108||$1,344||$112|
|Sentra 2.0 SR||$220||$632||$362||$22||$108||$1,344||$112|
|Sentra 2.0 SL||$252||$632||$362||$22||$108||$1,376||$115|
|Sentra SE-R SPEC V||$252||$726||$362||$22||$108||$1,470||$123|
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices noticeably.
What is the best insurance company in Chandler?
Ending up with the right insurance company is hard considering how many choices you have in Arizona. The company rank data in the next section may help you pick which car insurance companies you want to consider when shopping insurance around for a Nissan Sentra.
These ratings are for the largest auto insurers in America, so companies that may only write in Arizona are not factored into the list. To compare rates from these top-rated insurers and more, click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for a Nissan Sentra. The premiums are based on a single female driver, full physical damage coverage, and no discounts are applied.
As shown above, a 40-year-old driver could lower rates by $310 a year by switching from a $100 deductible to a $500 deductible, or save $466 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could possibly save as much as $804 each year by using higher deductibles when buying full coverage. When choosing a higher deductible, it is important to have spare funds to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Your cheap Sentra insurance may actually be overpriced
Chandler, AZ insurance rates are based on many factors that may substantially change the price you pay. Improving your credit score, having a teen driver, or getting into an accident can trigger rate changes that can make some companies cheaper than before.
Not only that, but companies change rates as often as every three months in order to be able to pay unexpected claims. Larger than normal claims may cause price increases, while better underwriting can produce lower-cost Sentra insurance rates.
To help illustrate this point, the data below demonstrates which company has the cheapest car insurance in Chandler, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and a good credit rating. If we look at prices based on his personal risk profile, The Hartford might quote the cheapest car insurance rates in Chandler at $1,062 each year. This is $366 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the best Chandler, AZ auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim surcharge, slightly worse credit, and a couple of points charged on his driving record. Because each company has a proprietary method for determining rates in each state, comparing quotes could now result in a new list of the cheapest car insurance companies in Chandler as shown below.
CSAA now has the cheapest price in Chandler, AZ with GEICO, Ameriprise Group, Allied, and Farm Bureau Mutual also being competitive. This illustrates why consumers need to take the time to do a thorough rate comparison when trying to get cheap insurance quotes for a Nissan Sentra.
Rates consist of many things and change dramatically, so the lowest-price company six months ago may now not even be in the top five.
How to find low-cost car insurance for a Nissan Sentra
Here are some penny-pinching solutions that can help drivers quote more affordable auto insurance.
- Save money by only buying liability coverage for older vehicles
- Remain accident-free and save
- Good credit scores may lower your rates
- Tickets and violations raise rates
- Raise your physical damage coverage deductibles
- Safe vehicles cost less to insure
- Keep rates low by comparing prices once a year
That last piece of advice is very critical, as was stressed in this write-up. Coverage rates in Chandler change frequently, so don’t be unwilling to buy from a different company if a lower price can be found. Being loyal to a particular company is commendable, but it’s not a great idea if that inflexibility results in costing you hundreds of dollars year after year. Now is a great time to shop around and find cheaper auto insurance for a Nissan Sentra.
If you wish to have the advice of a professional agent when trying to find the best insurance rates for a Nissan Sentra, the agencies below can help you make a decision which is the best policy.
To find an agent close to where you live, click the link at the bottom.
Bill Quigley – State Farm Insurance Agent
825 West Warner Road – Chandler, AZ 85225 – (480) 899-7878
Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763
Farmers Insurance – Peter Fenton
287 E Frye Rd #3 – Chandler, AZ 85225 – (480) 351-0629