Buying affordable car insurance for a Nissan Sentra is pretty straightforward, but it relies on a large number of factors such as how old the Sentra is, your geographic location, and the deductible amount you use. North Carolina drivers pay approximately $695 a year for Sentra insurance, but that cost is calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 and maybe not even a male, married instead of single, or maybe you don’t qualify for the same discounts. Having different needs demonstrates why the only real way to find cheap auto insurance rates for your Nissan is to put in the effort to do a thorough rate comparison. It only takes a few minutes and you will be able to compare rates from some of the cheapest companies available.
Your Nissan’s trim level tends to impact the annual cost of coverage, so the rate you will pay to insure a Sentra 2 trim level will be $90 lower than the cost to insure the more expensive Sentra SE-R SPEC V version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$118||$240||$326||$20||$98||$802||$67|
|Sentra 2.0 SR||$118||$240||$326||$20||$98||$802||$67|
|Sentra 2.0 SL||$136||$240||$326||$20||$98||$820||$68|
|Sentra SE-R SPEC V||$136||$276||$326||$20||$98||$856||$71|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific location which can increase or decrease coverage prices considerably.
Figuring out which companies have the lowest-priced insurance rates for a Nissan Sentra involves more work than just comparing a company or two. Each company has their own formula for filing rates in each state, so let’s look at the rankings for the insurance companies with the most affordable rates in North Carolina.
Find the Cheapest Car Insurance for Your Sentra
|Rank||Company||Cost Per Year|
|3||NC Farm Bureau||$709|
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Utica National may have some of the lowest car insurance rates in Charlotte at around $636 each year. This is $236 less than the average policy premium paid by North Carolina drivers of $872. Progressive, NC Farm Bureau, Penn National, and GEICO also qualify as some of the more affordable Charlotte, NC insurance companies.
In the rate table above, if you buy coverage from GEICO and switched to Progressive, you might achieve a yearly price reduction of approximately $62. Policyholders with Liberty Mutual could save as much as $70 a year, and Titan customers might see rate reductions of $71 a year.
To compare your rates to other North Carolina insurance companies, click here to start your custom quote or feel free to get quotes from the companies below.
Understand that those rates are averaged across all drivers and vehicles and and are not calculated with an exact vehicle garaging location for a Nissan Sentra. So the insurer that fits your situation best may not even be in the top 20 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver data and vehicle information.
Should you buy full coverage?
Finding the cheapest insurance is important to most people, and one of the quickest ways to reduce the cost of insurance for a Nissan Sentra is to only buy liability coverage. The illustration below shows the comparison of insurance costs with and without full coverage. The costs are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are applied to the premium.
If the expense is averaged for all age categories, physical damage coverage costs an additional $1,828 per year more than insuring for liability only. That brings up the question if full coverage is worth the money. There is no clear-cut formula for dropping comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are some scenarios where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
How to get discounts on Charlotte auto insurance
Insurance providers that provide coverage for a Nissan Sentra could also offer rate discounts that can lower rates by as much as 40% or more if you qualify. Larger insurance companies and a summarized list of policyholder discounts can be found below.
- 21st Century may include discounts for driver training, theft prevention, teen driver, student driver, and good student.
- Progressive offers premium reductions for good student, continuous coverage, multi-vehicle, online signing, and homeowner.
- State Farm offers discounts including multiple autos, anti-theft, Drive Safe & Save, good driver, multiple policy, and defensive driving training.
- Nationwide policyholders can earn discounts including family plan, business or organization, defensive driving, good student, and easy pay.
- Esurance discounts include good student, online quote, paid-in-full, multi-policy, and anti-lock brakes.
- The Hartford has savings for driver training, bundle, anti-theft, air bag, and defensive driver.
The information below illustrates the comparison of car insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no claims or violations, North Carolina state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, safe-driver, marriage, multiple policy, accident-free, and claim-free discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for a Nissan Sentra is 28% or $470.
The benefits of price comparisons
Charlotte insurance rates are influenced by many factors that may substantially change the cost of having a policy. Simply having another birthday, getting married, or getting a few speeding tickets can trigger rate changes resulting in some companies being more affordable than before.
Not only that, but auto insurance companies modify pricing multiple times each year in order to maintain liquidity for claims. Higher than usual claims may cause additional premium costs, while better underwriting can result in lower-cost Sentra insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in Charlotte, NC for a 40-year-old female driver with no accidents or violations, and excellent credit. If we estimate prices based on her current situation, Progressive might quote the most affordable car insurance rates in Charlotte at $797 each year. This is $75 less than the average premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Titan are the remainder of the cheapest Charlotte, NC auto insurance companies.
Now we will pretend the driver from above some claims, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company has their own process to set premium rates, analyzing rate quotes may now show a different ranking of the cheapest companies as shown below.
Penn National now has the best car insurance rate in Charlotte, NC with State Farm, Auto-Owners, Travelers, and National General also being competitive. This shows why consumers need to take the time to perform an extensive rate comparison to find the most affordable car insurance rates for a Nissan Sentra. Auto insurance prices can be determined by many things and can change substantially, so the cheapest option the last time you compared rates may now cost much more than other companies.
Ideas for finding cheaper insurance for a Nissan Sentra
The list below shows some money-saving suggestions that can help North Carolina drivers quote cheaper coverage.
- Safe vehicles cost less to insure
- Serious violations like DUI or careless driving can make car insurance unaffordable
- At-fault accidents will increase rates
- Bundle car and home insurance and save money
- Pay less by remaining claim-free
- Compare prices as often as possible
The last suggestion is certainly necessary, as we noted in the prior information. Prices charged by auto insurers change a lot, so don’t hesitate to buy from a new company if you can save money. Having a favorite company is fine, but it’s not a good idea if that inflexibility results in costing you hundreds of dollars a year. Spend a few minutes and compare rates to find cheaper car insurance for a Nissan Sentra in Charlotte.
If you aren’t sure which coverage you need and prefer to get some professional advice when comparing insurance rates for a Nissan Sentra, the agents below are willing to help you determine which coverages and limits you need.
To find an agent nearest to you, click the button after the list or click here to compare rates now.
- Daniela Hernandez – State Farm Insurance Agent
5811 Fairview Rd Ste 102 – Charlotte, NC 28209 – (704) 733-9022
- Nationwide Insurance – William Laurie Agency
8820 University E Dr Ste B – Charlotte, NC 28213 – (704) 945-2331
- Kyle Fadeley – State Farm Insurance Agent
13551 Steelecroft Pkwy #120 – Charlotte, NC 28278 – (704) 588-5585
- Denis Wilson – State Farm Insurance Agent
1850 E 3rd St #360 – Charlotte, NC 28204 – (704) 376-4088
- GEICO Insurance Agent
4651 South Blvd Suite B – Charlotte, NC 28209 – (704) 523-2886