Finding cheaper car insurance for a Nissan Sentra relies on a whole bunch of rating criteria such as how far you drive to work, the condition of your credit, and whether or not you are a good driver. Indiana drivers will pay on average $1,089 per year to insure their Sentra, but that cost is an estimation calculated using a 30-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
There is a good probability you aren’t exactly 30 years old or even a female, maybe you are married instead of single, or maybe you have a teenager that needs to be on your policy. Just a very minor change in rating factors or requested coverage amount may result in significant differences in the price of coverage.
Having different needs demonstrates why the way we recommend to find affordable rates for your Nissan is to compare rates from as many companies as possible. In less than five minutes you will receive prices from top-rated companies that sell coverage in Indiana.
Your vehicle’s trim level will most likely have an effect on the insurance rate, so the price you pay to insure a Sentra 2 model will be $190 lower than the insurance cost for the fancier 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||$210||$530||$380||$22||$114||$1,256||$105|
|Sentra 2.0 SR||$210||$530||$380||$22||$114||$1,256||$105|
|Sentra 2.0 SL||$240||$530||$380||$22||$114||$1,286||$107|
|Sentra SE-R SPEC V||$240||$610||$380||$22||$114||$1,366||$114|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific location information which can revise premium rates considerably.
Locating cost effective auto insurance is hard enough, and deciding which companies have the lowest-priced car insurance rates for a Nissan Sentra will involve even more shopping around. Each insurer uses slightly different criteria to determine premium rates, so we’ll go over the overall cheapest car insurance companies in Fort Wayne.
Best Cheap Insurance Rates for Your Sentra
|Rank||Company||Cost Per Year|
|5||Indiana Farmers Mutual||$841|
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Travelers quotes some of the lowest car insurance rates in Fort Wayne at around $602 annually. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also qualify as some of the lowest-priced Fort Wayne, IN auto insurance companies.
In this example, if you buy coverage from Erie and switched to Cincinnati Insurance, you could see savings of in the neighborhood of $48. Drivers with Indiana Farmers Mutual could save as much as $177 a year, and Western Reserve customers might realize rate reductions of up to $182 a year.
It’s important to note that these prices are averages for all drivers and vehicles in Indiana and are not factoring in an exact vehicle garaging location for a Nissan Sentra. So the car insurance company that has the lowest price for you may not even be in the top 36 companies shown above. That affirms the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Discount Fort Wayne auto insurance rates
Insurers that offer cheap quotes for a Nissan Sentra may also give you discounts that may potentially lower prices by as much as 35% if you meet specific eligibility requirements. Popular car insurance companies and their possible discounts are shown below.
- GEICO offers premium reductions for anti-theft, emergency military deployment, good student, air bags, and membership and employees.
- Travelers discounts include home ownership, new car, early quote, driver training, payment discounts, and hybrid/electric vehicle.
- Farm Bureau policyholders can earn discounts including driver training, renewal discount, multi-vehicle, multi-policy, safe driver, youthful driver, and good student.
- Liberty Mutual may offer discounts for preferred payment discount, newly married, new graduate, multi-car, and hybrid vehicle.
- American Family may have discounts that include multi-vehicle, defensive driver, good student, mySafetyValet, and early bird.
- Progressive has savings for multi-vehicle, online quote discount, continuous coverage, multi-policy, and online signing.
The example below compares insurance premiums with and without discounts. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Indiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, accident-free, marriage, homeowner, anti-theft, and multiple policy discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for a Nissan Sentra is 28% or $387.
Low rates can quickly become overpriced
Fort Wayne, IN car insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply having a birthday, becoming a homeowner, or getting a few speeding tickets may generate price changes that may make certain companies more affordable than others. Not only that, but car insurance companies change premium rates without warning in order to remain profitable. Heavy losses may cause price increases, while long-term profits may result in lower-cost Sentra insurance rates.
For example, the bar chart below demonstrates which company has the cheapest car insurance in Fort Wayne, IN for a 40-year-old male driver with no prior claims, no tickets, and great credit. If we estimate prices based on his current situation, Travelers may offer the best car insurance rates in Fort Wayne at $640 annually. This is $600 less than the average price paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual round out the rest of the best Fort Wayne, IN auto insurance companies.
Let’s now give the driver from the above example an at-fault accident, a little lower credit rating, and a speeding citation. Because every insurance company uses a different method to set policy rates, analyzing rate quotes may now present a slightly different list of companies as shown below.
The Hartford now has the lowest car insurance rate in Fort Wayne with Auto-Owners, Cincinnati Insurance, USAA, and Nationwide also having competitive pricing. This demonstrates why Fort Wayne drivers need to spend some time comparing rates to get the cheapest auto insurance rates for a Nissan Sentra.
Insurance prices are made up of many risk factors and change dramatically, so the best price the last time you shopped your coverage around may now not even be in the top five.
How to find economical auto insurance for a Nissan Sentra
The list below summarizes a few penny-pinching solutions that can help drivers quote cheap car insurance.
- Lower rates by purchasing a safer vehicle
- Increase your physical damage deductibles
- Drivers with good credit often pay less
- Maintain a clean driving record
- Do not get into accidents
- Compare rates and switch if you can find a better deal
That last tip is highly critical, as was emphasized in the article above. Coverage rates can change considerably based on profitability, so drivers shouldn’t be reluctant to change insurance companies if a lower price can be found.
Brand loyalty is great, but we do not recommend it if that faithfulness ends up costing you a wad of cash every year. Now is a great time to shop around and find cheaper car insurance for a Nissan Sentra in Fort Wayne.
If you have questions and prefer to have a little guidance when shopping for cheaper insurance for a Sentra, the agents below can probably help you make a decision which coverage meets your needs best.
To locate a Fort Wayne car insurance agency close to you, click the button following the list.
Short Associates, Inc.
2855 E Dupont Rd – Fort Wayne, IN 46825 – (260) 482-7077
Kent Paul – State Farm Insurance Agent
1505 W Dupont Rd – Fort Wayne, IN 46825 – (260) 478-2222
Nationwide Insurance: Thompson Insurance and Financial Services Inc
10355 Dawsons Creek Blvd A – Fort Wayne, IN 46825 – (260) 347-4722
Stoller-Dunham Insurance Agency
6058 E State Blvd – Fort Wayne, IN 46815 – (260) 749-4970