Buying cheap auto insurance for a Nissan Sentra is pretty simple for most people to do, but it relies on a very complex rating algorithm that uses multiple factors such as whether you own a home, whether or not you have prior claims, and physical damage deductibles. Drivers in Pennsylvania pay approximately $793 a year to insure their Sentra, but that price is calculated based on a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
It’s highly likely you may not be 50 years old (or even male), maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Having what appears to be a very minor change in rating variables or coverage information can make a big difference in the price of coverage.
Car insurance coverage is unique to each driver, so this is why the way we recommend to find the cheapest insurance price for your Nissan is to compare as many rates as you can. It takes less than five minutes and you will receive price comparisons from the best companies that insure Nissan vehicles in Pennsylvania.
The trim level of your vehicle tends to have a direct impact on the coverage cost, so the cost to insure a Sentra 2 model will be $126 less expensive the insurance cost for the fancier Sentra SE-R SPEC V model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$140||$346||$316||$18||$94||$914||$76|
|Sentra 2.0 SR||$140||$346||$316||$18||$94||$914||$76|
|Sentra 2.0 SL||$162||$346||$316||$18||$94||$936||$78|
|Sentra SE-R SPEC V||$162||$398||$316||$18||$94||$988||$82|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can influence rates substantially.
Locating low-cost insurance is not easy, and deciding which insurers offer the cheapest insurance rates for a Nissan Sentra will take even more diligence.
Each auto insurance company has their own process for determining prices, so to begin we’ll rank the most competitive insurance companies in Philadelphia.
Best Auto Insurance Prices for Your Sentra
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,411|
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General Casualty normally has some of the cheapest car insurance rates in Philadelphia at around $726 per year. Travelers, Erie, Penn National, and USAA also qualify as some of the cheaper Philadelphia, PA car insurance companies.
In the above rates, if you are a customer of Penn National and switched to Travelers, you could earn yearly savings of upwards of $29. Pennsylvania drivers with USAA may save as much as $30 a year, and Amica customers might cut rates by $213 a year.
If you want to see how much you could save, click here to start a quote or visit several of the following companies.
Remember that these prices are averages for all drivers and vehicles in Pennsylvania and and are not calculated with a specific vehicle garaging location for a Nissan Sentra. So the insurer that has the lowest price for you may not even be in the top 30 companies in the list above. That’s why you need to compare prices as often as possible using your own driver and vehicle profiles.
Driving violations and accidents
In a perfect world, the best way to snag the best insurance prices in Pennsylvania for a Sentra is to drive attentively and avoid accidents and traffic citations. The information below highlights how speeding tickets and accident claims drive up auto insurance costs for different ages of insureds. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of car insurance per year with no accidents or violations is $1,298. Add in two speeding tickets and the average cost hikes up to $1,838, an increase of $541 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for a Nissan Sentra jumps again to an average of $4,075. That’s an increase of $2,778, or $231 per month, just for not being more responsible behind the wheel!
How to get discounts on Philadelphia car insurance rates
Insurance companies that offer cheap quotes for a Nissan Sentra may also give you policy discounts that can reduce rates by as much as 30% if you meet specific criteria. A few popular companies and a partial list of their discounts are detailed below.
- Farm Bureau may offer discounts for multi-policy, multi-vehicle, 55 and retired, renewal discount, youthful driver, driver training, and good student.
- Liberty Mutual policyholders can earn discounts including new graduate, hybrid vehicle, multi-policy, safety features, exclusive group savings, good student, and new vehicle discount.
- State Farm offers discounts for safe vehicle, passive restraint, good driver, multiple autos, and anti-theft.
- Auto-Owners Insurance offers premium reductions for group or association, multi-policy, teen driver, paperless, company car, mature driver, and anti-theft.
- GEICO has savings for daytime running lights, air bags, membership and employees, seat belt use, five-year accident-free, anti-lock brakes, and defensive driver.
- SAFECO may include discounts for safe driver, multi-car, anti-theft, homeowner, teen safety rewards, accident prevention training, and drive less.
The diagram below visualizes the comparison of auto insurance rates with and without discounts applied to the rates. The costs are based on a male driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, claim-free, multiple policy, safe-driver, passive restraint, and homeowner discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for a Nissan Sentra is 28% or $476.
Comparing rates on Sentra insurance can save you money
Philadelphia, PA insurance rates are based on many factors that will increase or decrease the policy price. Getting older, getting divorced, or getting a couple of tickets may generate price changes that can now make some companies more affordable than others. Not only may things change on your end, but companies file new Pennsylvania auto insurance rates without warning in order to protect their financial rating. Larger than normal claims can cause more expensive prices, while a profitable period may cause lower-priced Sentra insurance rates.
To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Philadelphia, PA for a 40-year-old male driver with a good driving record, no prior claims, and a good credit history. If we estimate prices based on his personal risk profile, General Casualty might offer the lowest car insurance rates in Philadelphia at $1,585 each year. This is $72 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are the remainder of the most affordable Philadelphia, PA auto insurance companies.
In this example, we will give the driver from above a claim surcharge, a little lower credit rating, and a few traffic violations. Since each auto insurer has a different process to establish rates, comparing prices most likely will result in a slightly different list of affordable companies as shown below.
Amica now has the best insurance rate in Philadelphia with Atlantic States, Donegal Mutual, Travelers, and Erie now being in the top five. This illustrates why it is important to shop around to find the best car insurance rates for a Nissan Sentra.
Insurance prices can be altered by many factors and can change without notice, so the best price the last time you shopped your coverage around may now be an over-priced policy.
How to find more affordable car insurance for a Nissan Sentra
Lowering your rates is not difficult, and here are some money-saving solutions that can help you get more affordable coverage.
- Being accident-free can lower rates significantly
- Raise your physical damage coverage deductibles
- Do not get tickets or violations
- Get cheaper liability coverage by choosing a safer vehicle
- Higher credit ratings may save you money
- Shop around and save
The last item on the list is particularly vital, as we emphasized in this write-up. Insurance prices can change considerably based on profitability, so drivers shouldn’t be resistant to buy from a different company if a lower price can be found.
Many drivers have brand loyalty and that’s fine, but it’s not a good idea if it’s costing you a wad of cash every year. It only takes a couple minutes to compare rates to find cheaper auto insurance for a Nissan Sentra in Philadelphia.