Find Cheaper Nisan Sentra Insurance Rates in Mississippi
Enter your Mississippi Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
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Our editors have a joke that when writing about auto insurance, the word “cheap” should not be used as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a Nissan Sentra may be a thing of the past. Don’t let that discourage you, because we are going to show you how you can find coverage that is considered budget-friendly.
Finding affordable auto insurance for a Nissan Sentra in Mississippi is contingent on things such as whether you are single or married, if you have ever let your coverage lapse, and your choice of physical damage deductibles. Drivers in Mississippi pay on average $1,140 each year to buy insurance for a Nissan Sentra, but that figure is based on rate data for a 30-year-old single male who requires full physical damage coverage and $250 physical damage deductibles.
More likely than not, you may not be 30 years old (or even male), possibly married instead of single, or maybe you rent instead of own your home. Having what appears to be a very minor change in quote information can lead to a big change in rates.
Car insurance rates are unique for each driver, so the best way to quote the cheapest rates for your Nissan is to comparison shop your policy at each renewal.
The specific model of Sentra can impact price, so the rate you will pay to insure a Sentra 2 trim level will be $186 less than the insurance cost for the high end Sentra SE-R SPEC V model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$248||$494||$422||$24||$126||$1,314||$110|
|Sentra 2.0 SR||$248||$494||$422||$24||$126||$1,314||$110|
|Sentra 2.0 SL||$284||$494||$422||$24||$126||$1,350||$113|
|Sentra SE-R SPEC V||$284||$570||$422||$24||$126||$1,426||$119|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific zip code location which can raise or lower premium rates substantially.
Determining which companies offer the cheapest car insurance rates for a Nissan Sentra calls for a bit more work than just comparing rates from one or two companies. Each auto insurance company has a proprietary formula for setting rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Mississippi.
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|Rank||Company||Cost Per Year|
|8||Southern Farm Bureau||$1,436|
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USAA normally has some of the best car insurance rates in Mississippi at around $807 each year. Travelers, Unitrin, Direct General, and ALFA also make the cut as some of the lowest-priced Mississippi car insurance companies.
In the above example, if you currently have coverage with Unitrin and switched to USAA, you might see yearly savings of in the neighborhood of $337. Mississippi drivers with Direct General could save as much as $523 a year, and ALFA customers might lower prices by up to $530 a year.
To find the cheapest insurance for a Nissan Sentra in Mississippi for your vehicle, click here to start a quote or quote rates from the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
These policy rates are averages for all insureds and vehicles and are not factoring in a specific rating modification for a Nissan Sentra. So the insurer that has the cheapest rates for you may not even be featured in the company chart above. That affirms the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.
The diagram below shows how choosing a deductible can increase or decrease premium costs when quoting cheap insurance for a Nissan Sentra. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $340 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $508 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can save up to $1,144 each year by choosing larger deductibles on their policy. When increasing deductibles, it is essential to have enough savings set aside to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Tickets and at-fault accidents raise rates
A great way to maintain the best car insurance prices in Mississippi for a Sentra is to drive attentively and have a clean driving record. The information below illustrates how speeding tickets and accidents increase insurance costs for different age groups. The information is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of auto insurance in Mississippi per year with no accidents and a clean driving record is $1,651. Add in one speeding ticket and the average cost hikes up to $1,920, an increase of $269 each year. Then add one accident along with the one speeding ticket and the annual cost of car insurance for a Nissan Sentra goes up to an average of $2,691. That’s an increase of $1,040, or $87 per month, just for being a less-than-perfect driver!
Which auto insurance company is best?
If you are looking for the best insurance for a Sentra in Mississippi, probably the best companies to start with are Allstate, State Farm, Geico, and Progressive. Combined they make up nearly half of all policies written. The next table rates some of the different options .
|Handling of Claims||1st||2nd||3rd||4th|
|Recommend by customers||86%||88%||87%||88%|
|A.M. Best financial rating||A+||A++||A++||A+|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|Rating based on usage||Yes||Yes||No||Yes|
|New car replacement insurance||Yes||No||No||No|
|Where to buy||Allstate exclusive agents||State Farm exclusive agents||Both online and from Geico agents||Indpendent agents or online|
|Number of agents||11,000+||18,000+||150+||30,000+|
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Frequently Asked Questions
Why is car insurance for a Nissan Sentra typically more affordable in Mississippi?
Car insurance for a Nissan Sentra is often more affordable in Mississippi due to several factors. Mississippi has a lower population density compared to other states, which can lead to lower insurance rates. Additionally, the Nissan Sentra is considered a compact and reliable vehicle, typically associated with lower insurance costs.
What factors can affect the cost of Nissan Sentra insurance in Mississippi?
Several factors can affect the cost of Nissan Sentra insurance in Mississippi, including:
- Your driving record: A clean driving record with no accidents or traffic violations generally leads to lower insurance premiums.
- Vehicle age and condition: Older vehicles may have lower insurance rates due to their reduced value and potentially lower repair costs.
- Location: Insurance rates can vary depending on where you live in Mississippi. Areas with higher crime rates or greater risk of accidents may result in higher premiums.
- Coverage levels: The type and amount of coverage you choose can impact your insurance costs. Higher coverage limits and additional coverage options may result in higher premiums.
How can I find cheaper insurance rates for my Nissan Sentra in Mississippi?
To find cheaper insurance rates for your Nissan Sentra in Mississippi, consider the following steps:
- Shop around and compare quotes: Obtain quotes from multiple insurance providers to find the most competitive rates.
- Maintain a clean driving record: Drive responsibly, avoid accidents, and follow traffic laws to keep your insurance premiums lower.
- Consider higher deductibles: Opting for a higher deductible can lower your insurance premiums, but ensure you can afford the deductible in the event of a claim.
- Inquire about discounts: Ask insurance companies about available discounts for features such as anti-theft devices, safety features, or bundling policies.
- Look for specialized insurers: Some insurers specialize in providing coverage for specific vehicles or demographics. They may offer competitive rates for your Nissan Sentra.
Are there any specific Mississippi state laws or requirements for car insurance?
Yes, Mississippi state requires drivers to carry liability insurance coverage that meets the minimum requirements. The minimum liability coverage in Mississippi is 25/50/25, which means you must have at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident. It’s important to comply with these minimum requirements to legally drive in Mississippi.
Can installing safety features in my Nissan Sentra help reduce insurance rates in Mississippi?
Yes, installing safety features in your Nissan Sentra can potentially help reduce insurance rates in Mississippi. Safety features such as anti-lock brakes, airbags, and anti-theft devices can reduce the risk of accidents or theft, which insurance companies often consider when determining premiums. Be sure to inform your insurance provider about any safety features to take advantage of potential discounts.
How can an insurance agent assist in finding cheaper insurance rates for a Nissan Sentra in Mississippi?
An insurance agent can be a valuable resource when searching for cheaper insurance rates for your Nissan Sentra in Mississippi. They have knowledge of the insurance market and can help you compare quotes from multiple insurers to find the best rates. Additionally, an agent can provide personalized guidance, help you understand coverage options, and assist in finding discounts specific to your situation.
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