Nissan Sentra insurance cost image courtesy of QuoteInspector.com
Buying the cheapest coverage for a Nissan Sentra depends on an enormous amount of rating factors such as when you were born, your occupation, and the level of deductible you choose. Drivers in Ohio pay on average $880 per year for Sentra insurance, but that price is an approximation based on a 30-year-old single female driver with full coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you aren't exactly 30 years old or even a female, possibly married instead of single, or maybe your Sentra is old enough that it doesn't require full coverage. Everyone has unique insurance needs, and this illustrates why the best way to find cheap auto insurance rates for your Nissan is to just take the time to compare rates yourself.
The specific model of Sentra impacts the cost of insurance, so the price you will be charged to insure a Sentra 2 model will be $154 less than the insurance cost for the higher-priced Sentra SE-R SPEC V model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$170||$428||$306||$18||$92||$1,014||$85|
|Sentra 2.0 SR||$170||$428||$306||$18||$92||$1,014||$85|
|Sentra 2.0 SL||$194||$428||$306||$18||$92||$1,038||$87|
|Sentra SE-R SPEC V||$194||$494||$306||$18||$92||$1,104||$92|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can revise premium rates substantially.
Choosing a good quality insurance provider can be challenging considering how many different companies sell coverage in Ohio. The rank data below could help you pick which coverage providers to look at when comparing insurance rates for a Nissan Sentra. The rankings below are only made up of companies with a national presence, so companies that only write business in Ohio or surrounding areas are not included in the list.
Top 10 Major Car Insurance Companies in Columbus Ranked by Customer Satisfaction
- USAA - 92%
- Erie Insurance - 88%
- American Family - 88%
- State Farm - 88%
- Nationwide - 88%
- 21st Century - 88%
- AAA Insurance - 87%
- Liberty Mutual - 87%
- Farmers Insurance - 87%
- The Hartford - 87%
Liability-only versus full coverage
Lowering the price of auto insurance is probably important to most vehicle owners, and one great way to pay less for insurance for a Nissan Sentra is to not insure for full coverage. The information below visualizes the comparison of insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
If we average the cost for all age groups, physical damage coverage costs $1,491 per year over having just liability coverage. That is a large expense and it proposes the question if it's worth it to buy full coverage. There is no exact formula to delete physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let's pretend your vehicle's replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,000 after you pay the deductible. If you are paying more than $400 annually for physical damage coverage, then you might consider buying liability only.
Cautious drivers save money
In a perfect world, the best way to snag affordable auto insurance prices in Columbus for a Sentra is to drive safely and avoid at-fault accidents and violations. The chart below shows how violations and at-fault collisions impact premium costs for different age groups. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Columbus per year with no accidents and a clean driving record is $1,287. Add in one speeding ticket and the average cost jumps to $1,458, an increase of $171 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Sentra jumps again to an average of $1,941. That's an increase of $655, or $55 per month, just for not being more responsible behind the wheel!
How to find economical car insurance for a Nissan Sentra
Here are some money-saving ideas that can help Columbus drivers locate lower-cost coverage.
- Buying car and homeowners insurance together can save money
- Remain accident-free and save
- Maintaining good credit helps earn cheaper rates
- Lower rates by purchasing a safer vehicle
- On older vehicles, drop full coverage
- Compare rate quotes frequently
The last tip in the list is very vital, as was emphasized in the prior information. Insurance prices change constantly, so don't hesitate to switch to a new company if a more affordable rate is found.
Having brand loyalty is commendable, but it's not recommended if that loyalty ends up costing major coinage every year. It takes less than five minutes to compare rates and find cheaper auto insurance for a Nissan Sentra in Columbus.
If you aren't clear which coverage you need and would like to have a little guidance when shopping around for cheaper insurance for a Nissan Sentra, the insurance agencies below are willing to provide answers to your questions and help you determine which coverages and limits you need.
To locate a Columbus insurance agent by location nearest to you, click the button following the list.
Nationwide Insurance: Glenn R Williams
2930 N High St - Columbus, OH 43202 - (614) 268-3567
Associated Insurance Agency - Pickerington
12927 Stonecreek Dr - Pickerington, OH 43147 - (614) 866-6060
Danny Hilton - State Farm Insurance Agent
3276 Morse Rd b - Columbus, OH 43231 - (614) 475-8808