Finding competitive auto insurance for a Nissan Sentra in Indiana can be really easy, but it depends on a whole bunch of factors such as the safety rating of your vehicle, what you do for a living, and any prior driving citations you have received. Drivers will pay around $919 each year to insure their Sentra, but that amount is a projection calculated using a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
But there is a high probability that you may not be 40 years old (or even male), maybe you are single instead of married, or maybe your Sentra is old enough that it doesn't require full coverage. Everyone has unique insurance needs, and this illustrates why the best method for finding the most affordable coverage for your Nissan is to put in the effort to do a thorough rate comparison.
The trim level of your Nissan tends to have a direct effect on the yearly cost, so the price you will pay to insure a Sentra 2 model will be $170 lower than the price to insure the higher-end Sentra SE-R SPEC V trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$192||$472||$290||$18||$86||$1,058||$88|
|Sentra 2.0 SR||$192||$472||$290||$18||$86||$1,058||$88|
|Sentra 2.0 SL||$220||$472||$290||$18||$86||$1,086||$91|
|Sentra SE-R SPEC V||$220||$544||$290||$18||$86||$1,158||$97|
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific garaging location which can lower or raise premiums considerably.
Establishing which insurers offer the cheapest insurance rates for a Nissan Sentra in Indiana will involve a bit more work in order to find the lowest price. Each insurance company uses their own calculation to determine rates, so we'll go over the most affordable insurance companies in Indiana.
Find the Cheapest Car Insurance for Your Sentra
|Rank||Company||Cost Per Year|
|6||Indiana Farmers Mutual||$867|
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Travelers offers some of the cheapest car insurance rates in Indiana at around $602 each year. Cincinnati Insurance, USAA, Erie, and The Hartford are also some of the lowest-priced Indiana insurance companies.
As shown in the rates above, if you are insured with Erie and switched to Travelers, you may see savings of approximately $103. Customers with The Hartford may save as much as $261 a year, and Indiana Farmers Mutual customers might cut rates by $265 a year.
Bear in mind that those policy prices are averaged across all insureds and vehicles and and are not figured with a specific rating modification for a Nissan Sentra. So the auto insurance company that has the cheapest price for you may not even be in the top 36 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own specific driver and vehicle information.
The illustration below shows how choosing a deductible can affect insurance rates when trying to find cheap insurance for a Nissan Sentra in Indiana. The premiums are based on a married female driver, comp and collision included, and no policy discounts are applied.
A 50-year-old driver could lower rates by $260 a year by changing from a $100 deductible to a $500 deductible, or save $390 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, have the ability to save $638 or more just by using higher deductibles.
If you make the decision to raise deductibles, it will now be necessary to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Full coverage rates vs. liability-only
Finding cheaper insurance should be important to most drivers, and one good way to pay less for insurance for a Nissan Sentra in Indiana is to only buy liability coverage. The illustration below illustrates the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Indiana. The premiums assume no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are factored in.
If averaged for all ages, full coverage costs an extra $1,875 per year more than insuring for liability only. At some point, about every driver wonders if you should buy full coverage. There is no specific rule to exclude physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.
Ideas for finding more affordable car insurance for a Nissan Sentra in Indiana
Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help Indiana drivers locate low-cost car insurance.
- Vehicles with good safety ratings have lower liability rates
- Pay for smaller claims out-of-pocket
- Multi-policy discounts save money
- Be a cautious driver
- Avoid having at-fault accidents
- Comparison shop at least once a year
The last idea is notably important, as we noted in this article. Prices charged by car insurance companies fluctuate constantly, so you should be ready to change to a new company if a more affordable price is available. Having a favorite company is great, but it's not recommended if it's costing you several hundred dollars every year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Nissan Sentra.