Buying the cheapest auto insurance for a Nissan Sentra is dependent upon lots of different factors such as your gender, if you have a tendency to file claims, and the level of deductible you choose. Drivers in Arizona will pay around $1,057 each year for Sentra insurance, but that cost is a projection calculated using a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
It’s highly likely you’re not a 50-year-old male, you might be married instead of single, or maybe you have a speeding ticket or two that will increase rates. Even a minor change in policy rating criteria or coverages can make a big difference in the cost of a policy.
Insurance is an individual thing, so the best method for finding cheap insurance prices for your Nissan is to do the rate comparisons yourself.
Your vehicle’s trim level impacts the yearly cost, so the rate you will pay to insure a Sentra 2 trim level will cost $198 less than the cost to insure the fancier Sentra SE-R SPEC V trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$194||$566||$338||$20||$102||$1,220||$102|
|Sentra 2.0 SR||$194||$566||$338||$20||$102||$1,220||$102|
|Sentra 2.0 SL||$222||$566||$338||$20||$102||$1,248||$104|
|Sentra SE-R SPEC V||$222||$650||$338||$20||$102||$1,332||$111|
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in garaging location in Scottsdale which can influence prices significantly.
Finding dependable, cost effective car insurance is challenging, and finding out which companies quote the best insurance rates for a Nissan Sentra will involve even more shopping around.
Each insurance company uses a little different formula to establish rates, so we’ll go over the insurance companies with the overall best prices in Scottsdale. It’s a good idea to be aware that Scottsdale insurance rates are determined by lots of factors that control the price you have to pay. This is why it is critical to compare many different companies when trying to get the most economical car insurance quotes for a Nissan Sentra. Insurance rates are determined by many risk factors and change substantially, so the cheapest rate a year ago may now be quite expensive.
Best Car Insurance Prices for Your Sentra
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford has some of the lowest car insurance rates in Scottsdale at around $836 each year. Safeco, Auto-Owners, Travelers, and USAA would also make the list of some of the more affordable Scottsdale, AZ insurance companies.
As shown in the table above, if you have coverage with Travelers and switched to Safeco, you might achieve a yearly savings of around $152. Policyholders with USAA may save as much as $190 a year, and Progressive insureds might see rate reductions of $195 a year.
Bear in mind that those premiums are averaged across all types of insureds and vehicles and and are not figured with an exact vehicle garaging location for a Nissan Sentra. So the car insurance company that is best for you may not even be in the top 28 companies shown above. That illustrates why you need to compare prices as often as possible using your own driver data and vehicle information.
Types of discounts on Scottsdale insurance rates
Insurers that offer coverage for a Nissan Sentra may have premium discounts that can reduce rates by as much as 25% or more if you are eligible to receive them. Large insurance companies and a selection of discounts are shown below.
- American Family may include discounts for early bird, good driver, mySafetyValet, TimeAway discount, Steer into Savings, good student, and multi-vehicle.
- State Farm has discounts for anti-theft, good driver, driver’s education, Drive Safe & Save, multiple policy, and passive restraint.
- 21st Century may have discounts that include driver training, anti-lock brakes, student driver, homeowners, early bird, defensive driver, and teen driver.
- Travelers policyholders can earn discounts including multi-car, driver training, early quote, new car, good student, multi-policy, and payment discounts.
- GEICO offers discounts including five-year accident-free, emergency military deployment, good student, multi-policy, and multi-vehicle.
The information below shows the comparison of auto insurance costs with and without some available policy discounts. The premiums assume a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, passive restraint, accident-free, multiple policy, safe-driver, and homeowner discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for a Nissan Sentra is 28% or $609.
Last year’s bargain might be this year’s rip off
Scottsdale insurance rates are based on many factors that control the price of coverage. Turning one year older, buying higher coverage limits, or getting a reckless driving citation can trigger price changes that can make some companies cheaper than before.
And not only may your rating factors change, but car insurance companies modify pricing at least once a year in order to maintain liquidity for claims. An unexpected high level of claims can result in higher priced premiums, while less frequent claims may result in lower-cost Sentra insurance rates.
To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with a clear driving record, no claims, and a good credit history. Based on his current rating profile, The Hartford may have the cheapest car insurance rates in Scottsdale at $1,097 per year. This is $331 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the top five cheapest Scottsdale, AZ auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an accident claim, slightly worse credit, and a speeding ticket. Because each insurer uses a different method for determining rates in each state, comparing prices may now present a completely different list of the cheapest companies as shown below.
GEICO now has the best price on car insurance in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This example shows why it is critical to spend some time comparing rates when trying to find the lowest insurance quotes for a Nissan Sentra.
Auto insurance prices are calculated by many factors and change frequently, so the cheapest option two years ago may now be one of the higher cost companies.
If you have coverage questions and would like to get some guidance when shopping around for cheaper insurance for a Sentra, the insurance agencies below are willing to help you determine which coverages and limits you need.
To find a Scottsdale insurance agency close to where you live, click the button link following the list or click here to compare prices now.
- Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010
- Jordan Bowden – State Farm Insurance Agent
10135 E Vía Linda D127 – Scottsdale, AZ 85258 – (480) 634-6315
- Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150
- Ric Newman – State Farm Insurance Agent
10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121