Buying the cheapest auto insurance for a Nissan Sentra is pretty easy for most people to do, but it depends on a lot of rating criteria such as whether you are married or single, if you have prior claims, and any prior driving offenses. Drivers in Nevada pay approximately $966 annually to insure their Sentra, but that cost is a projection calculated using a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
This brings up the issue that more than likely you are not 50 and maybe not even a female, maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Having different needs demonstrates why the only real way to find affordable rates for your Nissan is to compare as many rates as you can. It only takes a few minutes and you will receive prices from the cheapest companies that offer coverage in Nevada.
Vehicle trim level has an effect on the cost of coverage, so the rate you pay to insure a Sentra 2 model will be $166 cheaper than the cost to insure the high end Sentra SE-R SPEC V version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$178||$464||$348||$20||$104||$1,114||$93|
|Sentra 2.0 SR||$178||$464||$348||$20||$104||$1,114||$93|
|Sentra 2.0 SL||$204||$464||$348||$20||$104||$1,140||$95|
|Sentra SE-R SPEC V||$204||$534||$348||$20||$104||$1,210||$101|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in your specific Henderson location which can affect prices considerably.
Finding reliable, low-priced insurance is not the easiest thing to accomplish, and finding out which companies quote the cheapest car insurance rates for a Nissan Sentra will require additional perseverance. Every car insurance company has their own unique process for setting rates, so we’ll go over the car insurance companies with the most affordable rates in Nevada.
Find the Best Cheap Insurance for Your Sentra
|Rank||Company||Cost Per Year|
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Travelers generally has some of the best car insurance rates in Henderson at around $930 annually. Allied, Capital, Oregon Mutual, and Progressive would also be considered some of the lowest-priced Henderson, NV auto insurance companies.
In the above rates, if you currently have a policy with Allied and switched to Travelers, you might see an annual premium reduction of around $9. Nevada drivers with Capital could save as much as $58 a year, and Oregon Mutual insureds might cut rates by $217 a year.
Bear in mind that those estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for a Nissan Sentra. So the insurer that is most affordable for your situation may not even be in the top 20 companies in the list above. That points out the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Discount Henderson insurance rates
Insurers that provide policies for a Nissan Sentra may also give you special discounts that may potentially lower prices by as much as 25% or more if you are eligible to receive them. The best car insurance companies and a partial list of their discounts are included below.
- American Family discounts include bundled insurance, early bird, multi-vehicle, good student, TimeAway discount, Steer into Savings, and good driver.
- Nationwide policyholders can earn discounts including multi-policy, Farm Bureau membership, family plan, anti-theft, defensive driving, and good student.
- MetLife offers discounts for good driver, defensive driver, accident-free, good student, multi-policy, claim-free
- 21st Century may offer discounts for homeowners, automatic seat belts, teen driver, driver training, air bags, and 55 and older.
- Farmers Insurance offers discounts including multi-car, youthful driver, distant student, switch companies, good student, and homeowner.
- Allstate may have discounts that include economy car, resident student, new car, farm vehicle, and anti-theft.
The illustration below compares annual premium costs with and without discounts being applied to the rates. The data is based on a female driver, a clean driving record, no claims, Nevada state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, passive restraint, accident-free, claim-free, multiple vehicle, and anti-theft discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Nissan Sentra is 28% or $484.
Your cheap Sentra insurance may actually be overpriced
Henderson, NV car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Improving your credit score, getting married, or having an at-fault accident can trigger changes in premium that can cause some rates to be more affordable than the competition. Not only that, but insurance companies file new Nevada car insurance rates multiple times each year in order to offset underwriting gains or losses. Significantly higher claims can result in more expensive prices, while a profitable period may result in lower-priced Sentra insurance rates.
To illustrate this point, the graph below shows which companies have the cheapest car insurance in Henderson, NV for a 30-year-old female driver with a clear driving record, no claims, and a good credit history. If we estimate prices based on her personal risk profile, Travelers has the best car insurance rates in Henderson at $1,499 a year. This is $75 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also make the list of the top five cheapest Henderson, NV auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a chargeable accident, slightly worse credit, and a speeding citation. Because each company uses their own formula to set policy rates, comparing prices may now show a new list of affordable companies as shown below.
GEICO now has the lowest price in Henderson, NV with Nationwide, USAA, Safeco, and Allied now rounding out the top five. This example shows why consumers need to compare as many rates as possible to get affordable car insurance quotes for a Nissan Sentra.
Rates are influenced by many different factors and change frequently, so the cheapest option when you last compared rates may now be quite expensive.