Finding competitive coverage for a Nissan Sentra in California is dependent upon an enormous amount of factors such as miles driven annually, your geographic location, and the level of deductible you choose. Drivers in California pay around $1,163 per year to insure their Sentra, but that is an estimate based on a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 40 years old or even a male, maybe you are single instead of married, or maybe you need higher liability limits than the state minimum. Having different needs demonstrates why the only way to find cheap car insurance rates for your Nissan is to do the rate comparisons yourself. Get your free quotes now and you will receive prices from top-rated car insurance companies in California.
Vehicle trim level tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Sentra 2 trim level will be $186 less than the insurance cost for the higher-priced Sentra SE-R SPEC V model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$220||$502||$456||$26||$136||$1,340||$112|
|Sentra 2.0 SR||$220||$502||$456||$26||$136||$1,340||$112|
|Sentra 2.0 SL||$252||$502||$456||$26||$136||$1,372||$114|
|Sentra SE-R SPEC V||$252||$580||$456||$26||$136||$1,450||$121|
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in specific location which can influence insurance rates substantially.
Deciphering which companies have the cheapest insurance rates for a Nissan Sentra will take more work than just quoting one company’s rates.
Every insurance provider has a proprietary method to set premium rates, so let’s look at the rankings for the insurance companies that tend to be cheaper in California. Keep in mind that California insurance rates are calculated based on many things which can substantially change the cost of having a policy. Simply getting older, adding a teenager to your policy, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being cheaper in comparison to the competition.
Best Insurance Companies for Your Sentra
|Rank||Company||Cost Per Year|
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USAA offers some of the cheapest car insurance rates in Riverside at around $1,109 each year. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the cheaper Riverside, CA car insurance companies.
As shown in the table above, if you currently have a policy with CSAA and switched to Wawanesa, you could earn annual savings of around $41. Policyholders with 21st Century could save as much as $144 a year, and Grange customers might reduce rates by $310 a year.
If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.
It’s important to note that these rates are averaged for all insureds and vehicles and do not factor in an exact location for a Nissan Sentra. So the auto insurance company that fits you best may not even be in the top 24 companies in the list above. That illustrates why you need to get auto insurance quotes using your own personal information and vehicle type.
Irresponsible driving raises your rates
A great way to receive the cheapest insurance rates for a Sentra is to pay attention while driving and not receive tickets or have accidents. The illustration below demonstrates how traffic citations and at-fault fender-benders increase yearly insurance costs for each age group. The prices are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of auto insurance per year with no accidents or violations is $2,057. Get written up for one speeding ticket and the average cost surges to $2,336, an increase of $279 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for a Nissan Sentra increases to an average of $3,110. That’s an increase of $1,053, or $88 per month, just for not paying attention while driving!
The chart below illustrates how your choice of deductibles can increase or decrease premium costs when quoting cheap insurance for a Nissan Sentra. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could reduce rates by $536 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $802 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut as much as $1,604 annually just by choosing larger deductibles.
If you do raise deductibles, it is important to have plenty of money set aside to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Why you should be shopping around
California insurance rates are based on many factors which can substantially change the price you pay for coverage. Simply having a birthday, increasing liability limits, or having an at-fault accident may prompt premium changes that may make certain companies more affordable than competitors. Additionally, insurers amend premium rates at least once a year in order to remain profitable. An unexpected high level of claims may result in higher priced premiums, while a profitable period may produce lower-priced Sentra insurance rates.
To illustrate this example, the data below shows the cheapest car insurance in Riverside, CA for a 45-year-old female driver with a good driving record, no prior claims, and excellent credit. Based on her personal profile, USAA may offer the cheapest car insurance rates in Riverside at $1,261 each year. This is $390 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the cheapest Riverside, CA auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an accident surcharge, bad credit, and a traffic citation. Because every insurance company has their own formula for determining prices, comparing insurance quotes most likely will result in a different set of the cheapest car insurance companies in Riverside as shown below.
Mercury now has the best insurance rate in Riverside with Grange, Progressive, Allied, and Allstate completing the list. This example illustrates why it is crucial to perform an extensive rate comparison when trying to get affordable auto insurance quotes for a Nissan Sentra.
Prices consist of many things and change dramatically, so the lowest-price company the last time you checked may now be quite expensive.
How to find the cheapest insurance for a Nissan Sentra
Here are many money-saving solutions that can help Riverside drivers buy lower-cost coverage.
- Buying your home and auto policies from the same company can earn a discount
- Serious violations like DUI or reckless driving can increase rates dramatically
- Raise comprehensive and collision coverage deductibles
- Maintaining good credit helps earn cheaper rates
- Try to not file small claims
- Having at-fault accidents will increase rates
- Shop around once a year for cheaper rates
The last suggestion is very valuable, as we emphasized in this piece. Coverage rates in Riverside vary considerably, so drivers shouldn’t be resistant to buy a policy from a new company if a cheaper price is available.
Brand loyalty is great, but it’s not recommended if that faithfulness ends up costing you potentially thousands of dollars a year. Spend a few minutes and compare prices and find cheaper insurance for a Nissan Sentra.
If you have coverage questions and would like to get some help when shopping around for cheaper insurance for a Sentra, the insurance agencies listed below can help you decide which auto insurance policy would work best for you.
To find a Riverside insurance agent near you, click the button after the list or click here to compare price quotes now.
Strong Tie Insurance Services
1766 University Ave # 104 – Riverside, CA 92507 – (951) 682-1200
Scott Fowler – State Farm Insurance Agent
7177 Brockton Ave #340 – Riverside, CA 92506 – (951) 777-2446
3501 Adams St – Riverside, CA 92504 – (951) 689-4830