Finding competitive car insurance for a Nissan Sentra in California is fairly easy, but it is dependent upon a lot of rating factors such as how many years you have been driving, your address, and driving citations. Drivers will pay on average $1,048 a year for Sentra insurance, but that amount is an estimation based on a 30-year-old married male driver with full coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even male), maybe you are single instead of married, and you don’t want the same coverages and limits as the example. Not everyone needs the same coverages, so the only real way to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible. Quotes are free and easy and you can get rates from some of the cheapest companies that sell coverage in California.
The trim level of your Sentra will have an impact the insurance rate, so the price you will be charged to insure a Sentra 2 will be $154 lower than the insurance cost for the higher-priced Sentra SE-R SPEC V trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$184||$426||$442||$26||$132||$1,210||$101|
|Sentra 2.0 SR||$184||$426||$442||$26||$132||$1,210||$101|
|Sentra 2.0 SL||$210||$426||$442||$26||$132||$1,236||$103|
|Sentra SE-R SPEC V||$210||$490||$442||$26||$132||$1,300||$108|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in garaging location in Irvine which can influence price quotes considerably.
Deciphering which insurers offer the cheapest auto insurance rates for a Nissan Sentra may require a little more work than just comparing a company or two. Each insurance company uses a slightly different approach to determine rates, so let’s rank the lowest cost auto insurance companies in Irvine, CA.
It’s important that you understand Irvine auto insurance rates are determined by lots of factors that control your annual premium. Improving your credit score, buying higher coverage limits, or having an at-fault accident can trigger price changes that can now make some companies more affordable than competitors.
Find the Cheapest Auto Insurance for Your Sentra
USAA has some of the lowest car insurance rates in Irvine at around $1,121 each year. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the lowest-priced Irvine, CA car insurance companies.
In this example, if you currently have a policy with Nationwide and switched to Wawanesa, you may see savings of roughly $67. Customers with CSAA may save as much as $76 a year, and 21st Century customers might realize rate reductions of up to $179 a year.
To get a fast rate comparison, click here or quote prices from the following companies.
Bear in mind that those premium estimates are averages across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for a Nissan Sentra. So the car insurance company that fits you best may not even be in the top 24 companies shown above. That emphasizes why you need to get rate quotes using your own personalized driver profile and vehicle information.
Rate increases following a ticket or accident
A great way to obtain the most affordable auto insurance prices for a Sentra is to drive safely and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault fender-benders influence premium costs for each age group. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance in California per year with no accidents or violations is $2,933. Add in two speeding tickets and the average cost hikes up to $3,896, an increase of $963 each year. Now get two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Sentra goes up to an average of $7,363. That’s an increase of $4,429, or $369 per month, just for not paying attention while driving!
Full coverage versus liability-only in Irvine
Reducing premiums for auto insurance is the goal of the majority of drivers, and an effective way to pay lower rates for insurance for a Nissan Sentra is to buy only liability coverage. The example below shows the comparison of insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no additional discounts are factored in.
If averaged for all ages, comprehensive and collision coverage on your policy costs an additional $2,765 per year more than just insuring for liability. That amount may make you wonder if it’s worth it to buy full coverage. There is no clear-cut formula for eliminating comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s book value is $9,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,500 after the deductible is paid. If you are currently paying more than $850 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some conditions where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
How to find economical car insurance for a Nissan Sentra
It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help you locate more affordable coverage.
- Buy vehicles with five-star safety ratings
- Increase your physical damage deductibles
- Maintain a safe distance and avoid accidents
- Drivers with good credit ratings often pay less
- On older vehicles, drop full coverage
- Be a cautious driver
- Compare rates and switch if you can find a better deal
The last suggestion is remarkably significant, as was emphasized in the article above. Car insurance prices in Irvine fluctuate constantly, so you should be ready to buy from a different company if a lower-cost policy is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that dedication is costing big bucks every year. Take a couple minutes and compare prices to find cheaper insurance for a Nissan Sentra.
If you would rather have a little guidance when comparing insurance rates for a Nissan Sentra, the agents listed below are a good start to aid you in deciding which is the best policy.
To find an Irvine insurance agent by location nearest to you, click the button after the list.
Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270
Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224 – Irvine, CA 92604 – (949) 552-6601
USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897
Allstate Insurance: Kay Yang
4255 Campus Dr A270 – Irvine, CA 92612 – (949) 509-2888