Buying economical coverage for a Nissan Sentra is dependent upon a lot of rating criteria such as whether you are single or married, if you have prior claims, and driving violations and tickets. Drivers pay approximately $845 per year for Sentra insurance, but that price is an estimate based upon a 50-year-old married female driver with full coverage and $250 deductibles.
When projecting a rate like this, the problem is that you’re not a 50-year-old female, you might be single instead of married, or maybe you have a teenager that needs to be on your policy. Having even a minor difference in policy rating criteria or coverages can make a big difference in the policy rate.
This shows why the best way to find cheap car insurance rates for your Nissan is to do a thorough rate comparison.
The trim level of your Sentra will be a contributing factor to the yearly cost, so the price you will be charged to insure a Sentra 2 will be $146 less than the cost to insure the fancier 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||$164||$404||$298||$18||$90||$974||$81|
|Sentra 2.0 SR||$164||$404||$298||$18||$90||$974||$81|
|Sentra 2.0 SL||$188||$404||$298||$18||$90||$998||$83|
|Sentra SE-R SPEC V||$188||$464||$298||$18||$90||$1,058||$88|
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in specific zip code location which can impact premium rates greatly.
Selecting a high-quality car insurance company can be difficult considering how many choices you have in Minnesota. The company rank data below can help you analyze which car insurance providers to look at when comparing rate quotes. The ratings below are for companies who write in the majority of U.S. states, so smaller companies are not factored into the list.
|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
How to get discounts on Minneapolis auto insurance rates
Auto insurance companies that offer coverage for a Nissan Sentra may also provide premium discounts that can lower rates by as much as 40% or more if you qualify for them. The best insurance companies and a summarized list of policyholder discounts are outlined below.
- 21st Century may have discounts that include student driver, theft prevention, early bird, driver training, 55 and older, defensive driver, and air bags.
- State Farm has discounts for passive restraint, good student, Drive Safe & Save, student away at school, driver’s education, multiple policy, and good driver.
- AAA offers discounts including education and occupation, multi-policy, multi-car, good driver, pay-in-full, AAA membership discount, and anti-theft.
- Liberty Mutual may offer discounts for new vehicle discount, newly retired, teen driver discount, safety features, good student, and hybrid vehicle.
- Progressive may include discounts for online quote discount, multi-policy, good student, homeowner, and multi-vehicle.
The example below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims or driving violations, Minnesota state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, vehicle safety, homeowner, defensive driving course, passive restraint, and claim-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Nissan Sentra is 28% or $460.
Here’s why price comparisons are so important
Minneapolis, MN insurance rates are based on many factors that can increase the policy price. Simply having another birthday, marrying your spouse, or getting into an accident can trigger rate changes that can now make some companies much cheaper than others.
In addition to those changes, auto insurance companies amend pricing every year or even multiple times each year as an adjustment for underwriting gains or losses. Significantly higher losses can cause rate increases, while a profitable period can cause lower-cost Sentra insurance rates.
For instance, the chart below shows the cheapest car insurance in Minneapolis, MN for a 30-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on her current risk profile, Travelers has the most affordable car insurance rates in Minneapolis at $922 per year. This is $499 less than the average premium paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, Western National, and The Hartford round out the rest of the cheapest Minneapolis, MN auto insurance companies.
The example below compares rates after we give the driver from above a couple of claims, a little lower credit rating, and an imperfect driving record. Because every insurance company uses a different method to establish rates, analyzing rate quotes will most likely result in a different set of affordable companies as shown below.
USAA now has the best car insurance rate in Minneapolis with Allied, State Farm, California Casualty, and Farm Bureau Mutual also being competitive. This example demonstrates why consumers need to take the time to do a thorough rate comparison when trying to find affordable auto insurance quotes for a Nissan Sentra.
Car insurance prices are influenced by many different factors and change substantially, so the best company the last time you shopped around may now be one of the higher cost companies.
How to find more affordable car insurance for a Nissan Sentra
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving solutions that can help Minneapolis drivers buy more affordable coverage.
- Drivers with good credit often pay less
- Drive a car with a high safety rating
- Save money by observing traffic laws and speed limits
- Full coverage may not be needed on older vehicles
- Increase deductibles to save money
- Prevent price hikes by avoiding at-fault accidents
- Comparison shop frequently
The last idea is certainly valuable, as we noted in the article above. Coverage prices in Minneapolis fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if a more affordable rate is found. Staying with the same company for years is fine, but it’s not a good idea if that devotion results in you overpaying money that could be going to better use. Spend a few minutes and compare rates to find cheaper insurance for a Nissan Sentra.
The insurance agencies below are a good start to help you make a decision which coverage meets your needs best, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when trying to find lower insurance rates for a Sentra. It can be complicated to find the best coverage yourself, so insurance agents can bring satisfaction knowing your coverage gives you adequate protection.
To locate a Minneapolis car insurance agency close to you, click the button after the list or click here to compare price quotes now.
- Allstate Insurance: Lois A. Castaneda
127 W Grant St, # C – Minneapolis, MN 55403 – (612) 871-6830
- Allstate Insurance: Charles Fritz
2213 Johnson St NE – Minneapolis, MN 55418 – (612) 788-6279
- Julie Nadeau – State Farm Insurance Agent
7801 E Bush Lake Rd #200 – Minneapolis, MN 55439 – (952) 937-2020