Finding the best cheap auto insurance for a Nissan Sentra hinges on an enormous amount of factors such as how far you commute, the likelihood of your vehicle being stolen, and violations on your driving record. Wisconsin drivers pay around $647 per year for Sentra insurance, but that is an approximation based on a 40-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
It’s highly likely you’re not a 40-year-old female, married instead of single, and maybe you want higher deductibles. Car insurance coverage is unique to each driver, so this is why the way we recommend to find cheap car insurance rates for your Nissan is to compare as many rates as you can. In just a few minutes you will be able to see rates from some of the best insurers that insure vehicles in Wisconsin.
The trim level of your Nissan tends to have a direct impact on the cost of coverage, so the price you will pay to insure a Sentra 2 model will be $90 less than the insurance cost for the more costly 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||$92||$250||$298||$18||$90||$748||$62|
|Sentra 2.0 SR||$92||$250||$298||$18||$90||$748||$62|
|Sentra 2.0 SL||$106||$250||$298||$18||$90||$762||$64|
|Sentra SE-R SPEC V||$106||$288||$298||$18||$90||$800||$67|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific location which can increase or decrease insurance rates greatly.
Deciding which companies have the cheapest auto insurance rates for a Nissan Sentra takes more work in order to find the most economical policy.
Every insurance provider has a different formula for setting prices, so let’s take a look at the auto insurance companies that tend to have lower prices in Wisconsin. We do need to point out that Milwaukee, WI auto insurance rates are based on many factors which can substantially change the cost of your policy. Improving your credit score, getting divorced, or getting caught speeding can cause premium changes resulting in some companies being cheaper than before.
Find Cheaper Car Insurance for Your Sentra
USAA offers some of the best car insurance rates in Milwaukee at around $586 each year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also be considered some of the most economical Milwaukee, WI car insurance companies.
As shown in the rates above, if you are a policyholder with Erie and switched to USAA, you could realize annual savings of in the vicinity of $110. Insureds with Rockford Mutual may save as much as $160 a year, and Nationwide customers might lower prices by $166 a year.
If you want to see how much you could save, click here to get quotes or click through to the companies below.
Bear in mind that those premium estimates are averaged for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for a Nissan Sentra. So the car insurance company that can offer you the lowest price may not even be in the top 30 companies shown above. That emphasizes why you need to compare as many prices as possible using your own specific driver information and vehicle.
Rate comparison of full coverage and liability-only
Finding the cheapest auto insurance should be important to the majority of vehicle owners, and a great way to find cheaper insurance for a Nissan Sentra is to only buy liability insurance. The diagram below shows the comparison of yearly insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.
Averaged out for all age groups, full coverage on your policy costs an additional $1,637 per year over and above liability only. That is a significant amount which raises the question if buying full coverage is worth the money. There is no exact rule to stop buying full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
The chart below illustrates how choosing a deductible can change insurance costs when searching for cheap insurance for a Nissan Sentra. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could pocket $230 a year by increasing from a $100 deductible to a $500 deductible, or save $346 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could drop their prices $710 or more by choosing a higher deductible.
When using a larger deductible, it is essential to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
If you wish to get help from a professional when shopping around for cheaper insurance for a Sentra, the agents shown below are a good start to help you decide which insurance coverage you need.
To locate a Milwaukee insurance agent close to you, click the button after the list.
Friedle Insurance Agency Inc
7700 W Bluemound Rd #110 – Wauwatosa, WI 53213 – (414) 475-0110
Butzer Insurance Agency
7311 W Burleigh St – Milwaukee, WI 53210 – (414) 445-9585
Dern and Company
10335 W Oklahoma Ave #203 – Milwaukee, WI 53227 – (414) 935-5700
American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040
How to find more affordable auto insurance for a Nissan Sentra
The list below summarizes some of the better money-saving ideas that can help you find lower-cost coverage.
- Do not pay for full coverage on older vehicles
- Drive attentively and avoid accidents
- Do not get tickets or violations
- Buy your auto and home insurance from the same company and save
- Get cheaper liability coverage by choosing a safer vehicle
- Frequent claims may make car insurance unaffordable
- Compare rate quotes frequently
The last tip in the list is very critical, as we hit on in this article. Coverage rates in Milwaukee adjust often, so drivers shouldn’t be resistant to buy from a different company if a more affordable rate is found.
Staying with the same company for years is fine, but it’s not a good idea if that loyalty results in overpaying a fortune every year. If you have a few minutes, compare prices to find cheaper auto insurance for a Nissan Sentra.