Who Has the Cheapest Insurance for a Nissan Sentra in West Virginia?
Enter your West Virginia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 18, 2019
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Finding cheap car insurance for a Nissan Sentra in West Virginia hinges on a pretty complex algorithm that uses a lot of factors like how old the vehicle is, what you do for a living, and if you have any chargeable driving offenses. West Virginia drivers will pay around $870 each year to buy insurance for a Nissan Sentra, but that cost is based on cost data for a 50-year-old married female that includes both comprehensive and collision coverage and $500 physical damage deductibles.
This brings up the issue that more than likely you are not 50 and possibly not even female, maybe you are single instead of married, or maybe you do not need full coverage. Even a slight difference in rating variables can cause large differences in quoted rates.
There is no “one size fits all” policy, so your best chance at finding cheap car insurance rates for your Nissan is to shop your policy around at every renewal.
The trim level of your Sentra tends to have a direct impact on the insurance rate, so the cost to insure a Sentra 2 trim level will be $138 lower than the cost to insure the more costly Sentra SE-R SPEC V model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$154||$378||$346||$20||$104||$1,002||$84|
|Sentra 2.0 SR||$154||$378||$346||$20||$104||$1,002||$84|
|Sentra 2.0 SL||$178||$378||$346||$20||$104||$1,026||$86|
|Sentra SE-R SPEC V||$178||$434||$346||$20||$104||$1,082||$90|
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter prices significantly.
Selecting the best company can be a challenge considering how many companies there are in West Virginia. The ranking data shown next could help you pick which auto insurers to look at when trying find the best insurance for a Nissan Sentra. These ratings are for the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for the list.
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|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The chart below illustrates how choosing a deductible can influence insurance rates when researching cheap insurance for a Nissan Sentra. The data is based on a single female driver, full coverage, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could cut expenses by $336 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $506 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, could shave $862 annually by selecting a higher deductible.
When choosing a higher deductible, it is a good idea to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Are you paying too much for car insurance?
West Virginia auto insurance rates are impacted by many factors that can increase the cost of your policy. Simply turning a year older, marrying your spouse, or having a fender bender can produce rate changes that can make some companies cheaper than competitors. Not only may things change on your end, but car insurance companies file new West Virginia car insurance rates multiple times each year in order to maintain liquidity for claims. A period of increased losses may cause price increases, while profitable underwriting can produce more affordable Sentra insurance rates.
To help illustrate this point, the data below analyzes the cheapest car insurance in West Virginia for a 45-year-old male driver with no prior claims, no tickets, and good credit. When quoting prices based on his current situation, Erie might quote the lowest car insurance rates in West Virginia at $931 a year. This is $849 less than the average price paid by West Virginia drivers of $1,780. The Hartford, Westfield, State Auto, and USAA round out the rest of the most affordable West Virginia auto insurance companies.
Now we will pretend the driver in the first chart an at-fault accident, bad credit, and an imperfect driving record. Because each company uses their own calculation for establishing rates, analyzing rates may now show a new list of cheap West Virginia auto insurance companies as shown below.
The Hartford now has the cheapest insurance rate in West Virginia with State Farm, Nationwide, Encompass, and Westfield now rounding out the top five. This shows why West Virginia drivers need to take the time to shop around when trying to get the best car insurance rates for a Nissan Sentra.
Auto insurance prices are influenced by many risk factors and can increase or decrease at any time, so the best price six months ago may now be one of the higher cost companies.
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