Who Has Cheap Insurance Quotes for a Nissan Sentra in Florida?
The likelihood of finding cheap car insurance for a Nissan Sentra in Florida hinges on a complicated equation that takes into consideration things like whether you are a homeower, the size of your vehicle, and if you had any at-fault accidents in the last few years. Florida drivers will pay around $1,420 per year to buy Nissan Sentra insurance, but that rate is a valuation based on cost data for a 30-year-old married female that wants full coverage and $100 physical damage deductibles.
When projecting a rate like this, the problem is that you are not a 30-year-old female, possibly single instead of married, and you might want liability-only or different deductibles. Auto insurance is not the same for everyone, so the way we recommend to find affordable rates for your Nissan is to comparison shop your policy at each renewal. To cut your rates now, get a free quote and you will get price quotes from the best companies that insure Nissan vehicles in Florida.
The trim level of your Nissan will likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Sentra 2 trim level will be $270 less expensive the insurance cost for the fancier Sentra SE-R SPEC V version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$304||$748||$426||$26||$128||$1,632||$136|
|Sentra 2.0 SR||$304||$748||$426||$26||$128||$1,632||$136|
|Sentra 2.0 SL||$348||$748||$426||$26||$128||$1,676||$140|
|Sentra SE-R SPEC V||$348||$862||$426||$26||$128||$1,790||$149|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise insurance rates noticeably.
Finding out which companies have the most affordable insurance rates for a Nissan Sentra will involve a bit more effort than just comparing a company or two. Each insurer uses different criteria for establishing rates, so we’ll go over the most competitive insurance companies in Florida.
It’s a good idea to know that Florida insurance rates are calculated based on many things that can increase the price of your policy. Simply getting older, buying a home, or getting a driving violation can trigger changes in premium resulting in some companies being much cheaper than others.
Compare Cheap Insurance Quotes for Your Sentra
USAA generally has some of the lowest car insurance rates in Florida at around $977 a year. Electric, Amica, Progressive, and Travelers would also be considered some of the cheaper Florida auto insurance companies.
In the rate table above, if you currently have coverage with Electric and switched to USAA, you could earn yearly savings of in the vicinity of $735. Insureds with Amica may save as much as $735 a year, and Progressive policyholders might lower prices by $816 a year.
Bear in mind that those estimates are averaged for all insureds and vehicles and do not take into consideration a specific rating modification for a Nissan Sentra. So the company that is most affordable for your situation may not even be featured in the above list. That illustrates why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
The information below shows how choosing a deductible can impact premium costs when trying to find cheap insurance for a Nissan Sentra. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could cut expenses by $570 a year by changing from a $100 deductible up to a $500 deductible, or save $856 by switching to a $1,000 deductible. Younger drivers, such as the Age 20 example, could shave up to $1,290 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it is necessary to have enough in a savings account to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Full coverage versus liability only rates
Finding cheap insurance for a Nissan Sentra in Florida should be important to the majority of people, and one good way to buy cheap insurance is to not buy comprehensive and collision coverage. The diagram below compares insurance premiums with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $500 deductibles, single status, and no other discounts are factored in.
If averaged out across all ages, full coverage on your policy costs an additional $2,468 per year over having just liability coverage. That is a big expense that brings up the question if it’s a good idea to buy full coverage. There is no definitive formula to stop buying physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s say your vehicle’s book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are currently paying more than $300 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some conditions where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not drop full coverage.
Who has the cheapest Nissan Sentra insurance quotes?
There are a variety of different ways to purchase insurance in Florida, but the most popular methods are through an independent agent, an exclusive insurance agency such as Allstate or Auto-Owners, or buying direct from a company like Progressive or Geico.
Each way has the same basic process, but they are slightly different in how they provide price quotes.
Independent agencies work for many companies and can do rate comparisons with all of them. They have the option to provide you with more rate quotes, which can give you better odds of saving money. If a cheaper price is found, they simply move the coverage in-house which prevents you from having to switch agents.
A captive, or exclusive, agent is able to quote prices with one insurance company, two examples being a State Farm or Liberty Mutual agent. Exclusive agents cannot provide other companys’ prices, so they are skilled at selling on more than just price.
If you buy direct, you skip a local agent and buy from a direct company like Esurance. Shopping direct may be preferred by drivers who have an average risk profile and know more than average about the limitations of insurance.
So what is the best way to buy cheap insurance for a Nissan Sentra in Florida? The majority of insurance shoppers assume that buying from a direct company saves money because you bypass the middleman, but in reality, that argument does not hold true. A valid argument could also be made that an independent agency guarantees the cheapest rates due to increased selection, but that is not accurate either. And often times, exclusive agencies have coverage prices that are well below what direct and independents offer.
Due to that fact that insurance uses so many rating variables, the one way to not overpay for insurance is to compare lots of quotes. Smart shoppers will get prices from all three types to give yourself the best selection. For a list of companies with some of the cheapest Florida insurance rates, click here to view.
How to find cheap insurance for a Nissan Sentra in Florida
Here are some of the better money-saving ideas that can help drivers buy lower-cost coverage.
- Higher credit ratings may save you money
- Just one traffic violation will increase your rates
- Higher comprehensive and collision coverage deductibles will save money
- Avoid price increases by not filing claims
- Save money by bundling your home and auto policies
- Maintain a safe distance and avoid accidents
- Shop around for cheaper rates regularly
That last tip is highly crucial, as was discussed in the prior article. Prices charged by car insurance companies in Florida vary greatly, so drivers shouldn’t hesitate to switch companies if a better deal can be had. Staying with the same car insurance company is fine, but is isn’t recommended if that dedication is costing a small fortune. Now is a great time to compare rates and find cheaper car insurance for a Nissan Sentra.
Find the Cheapest Quotes in Your Area
Get multiple rate quotes instantly and find your cheapest rate
Compare Rates and Save
Find companies with the cheapest rates in your area
Frequently Asked Questions
- How Much Does Car Insurance Cost?
- Cheap Car Insurance: Myth or Reality?
- Will a Speeding Ticket Raise My Car Insurance Rates?
- Car Insurance Rates 2018: Why are Prices Increasing?
- How Much Does Car Insurance Cost for a 16 Year Old?
- Which Cars are Cheapest to Insure?
- Does a Teenager with a Learner’s Permit Need to be Listed on my Policy?
- View All Coverage Questions