Nissan Sentra insurance image courtesy of QuoteInspector.com
Buying the cheapest coverage for a Nissan Sentra hinges on a pretty complex algorithm that uses a lot of factors such as how safe your vehicle is, what you do for a living, and any prior driving citations you have received. Drivers in Massachusetts pay approximately $1,057 per year for Sentra insurance, but that amount is an approximation based upon a 30-year-old single male driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even male), married instead of single, or maybe you live in a different area as the quoted rates. Not everyone needs the same coverages, so the only way to find cheap auto insurance rates for your Nissan is to put in the effort to do a thorough rate comparison.
The trim level of your Sentra will be a contributing factor to the annual cost of coverage, so the price you will be charged to insure a Sentra 2 trim level will be $158 cheaper than the cost to insure the higher-priced Sentra SE-R SPEC V model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$208||$414||$438||$26||$132||$1,218||$102|
|Sentra 2.0 SR||$208||$414||$438||$26||$132||$1,218||$102|
|Sentra 2.0 SL||$240||$414||$438||$26||$132||$1,250||$104|
|Sentra SE-R SPEC V||$240||$476||$438||$26||$132||$1,312||$109|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in zip code location which can affect rates substantially.
Comparing quotes for cost effective insurance is not most people's favorite thing to do, and deciding which companies offer the most affordable insurance rates for a Nissan Sentra takes more quotes for comparison. Every insurance company uses a little different formula for setting rates, so we'll take a look at the most budget-friendly insurance companies in Massachusetts.
Best Insurance Companies for Your Sentra
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$823|
|9||Norfolk and Dedham||$1,078|
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State Farm has some of the best car insurance rates in Boston at around $711 annually. This is $524 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also qualify as some of the cheaper Boston, MA insurance companies.
In the above example, if you are insured with Commerce Group and switched to National Grange Mutual, you could realize an annual savings of in the vicinity of $79. Insureds with Progressive might save as much as $206 a year, and USAA customers might lower prices by up to $211 a year.
Be aware that those prices are averages for all ages of drivers and types of vehicles and are not factoring in an exact zip code location for a Nissan Sentra. So the insurer that can offer you the best rate may not even be in the top 21 companies in the list above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.
Rate difference between full and liability-only coverage
Finding cheaper insurance should be important to the majority of people, and a good way to lower the cost of insurance for a Nissan Sentra is to not insure for full coverage. The diagram below shows the comparison of car insurance rates with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
If the expense is averaged for all age categories, full coverage costs an extra $1,751 per year more than buying just liability insurance. At some point, every insured wonders if full coverage is worth the money. There is no clear-cut rule to stop buying full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.
There are some conditions where dropping full coverage is not a good plan. If you haven't paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Discounts on Boston auto insurance rates
Auto insurance companies that provide policies for a Nissan Sentra may additionally offer price discounts that may potentially lower prices by as much as 35% if you qualify for them. The best insurance companies and their offered discounts are:
- Farmers Insurance offers discounts including good student, distant student, homeowner, alternative fuel, early shopping, mature driver, and business and professional.
- State Farm has savings for multiple autos, passive restraint, good student, multiple policy, and safe vehicle.
- Liberty Mutual has discounts for new graduate, teen driver discount, exclusive group savings, multi-policy, preferred payment discount, good student, and safety features.
- MetLife may have discounts that include claim-free, accident-free, good student, good driver, defensive driver, multi-policy
- Progressive offers discounts for multi-policy, online quote discount, good student, online signing, multi-vehicle, homeowner, and continuous coverage.
The diagram below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The rates are based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, claim-free, accident-free, homeowner, multiple vehicle, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on insurance for a Nissan Sentra is 28% or $484.
If you have questions and prefer to have a consultation when shopping for the best coverage for a Sentra, the professional agents shown below are a good start to help you determine which coverages you need. To locate a Boston insurance agent nearest to you, click the button at the bottom or click here to compare prices now.
- Arbella Insurance
120 Middlesex Ave - Somerville, MA 02145 - (617) 666-0222
- Knapp Schenck Insurance Services
1 India St #204 - Boston, MA 02109 - (617) 742-3366
- AAA Boston
125 High St - Boston, MA 02110 - (617) 443-9300
- Child-Genovese Insurance Inc
44 Temple Pl - Boston, MA 02111 - (617) 350-5511
- Goji Insurance
31 St James Ave - Boston, MA 02116 - (888) 991-1091
How to find more affordable auto insurance for a Nissan Sentra
The list below details some of the recommended money-saving ideas that can help Boston drivers buy cheaper car insurance.
- The safer your car, the less it costs to insure
- Having at-fault accidents will increase rates
- Improve your credit rating
- Save money by obeying traffic laws and keeping a clean driving record
- Higher physical damage deductibles lower rates
- Full coverage is expensive so only insure older vehicles for liability only
- Keep rates low by comparing prices once a year
The final tip is especially critical, as we emphasized in this piece. Prices in Boston vary considerably, so drivers shouldn't be reluctant to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it isn't a good idea if that loyalty results in overpaying hundreds of dollars a year. If you have a few minutes, compare prices to find cheaper auto insurance for a Nissan Sentra.