Buying cheaper auto insurance for a Nissan Sentra is pretty simple, but it relies on a large number of factors such as driver age, your occupation, and citations on your driving record. Drivers pay on average $958 annually for Sentra insurance, but that figure is an approximation using a 30-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
There's a good chance you aren't exactly 30 years old or even a male, possibly single instead of married, or maybe you just want liability only. Having even a minor difference in the rating criteria used to formulate rates could end up in a significant change in how much insurance for a Nissan Sentra costs.
This illustrates why the best way to find cheap insurance rates for your Nissan is to put in the effort to do a thorough rate comparison.
Your vehicle's trim level impacts the cost of insurance, so the price you will pay to insure a Sentra 2 will be $160 cheaper than the cost to insure the fancier Sentra SE-R SPEC V model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$192||$434||$352||$20||$106||$1,104||$92|
|Sentra 2.0 SR||$192||$434||$352||$20||$106||$1,104||$92|
|Sentra 2.0 SL||$220||$434||$352||$20||$106||$1,132||$94|
|Sentra SE-R SPEC V||$220||$500||$352||$20||$106||$1,198||$100|
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can alter coverage prices significantly.
Establishing which companies quote the cheapest insurance rates for a Nissan Sentra in Colorado takes a bit more effort thank just comparing rates from one or two companies. Each company uses their own formula to set their prices, so let's examine the most affordable insurance companies in Colorado.
Keep in mind that Colorado insurance rates are based on many factors that will increase or decrease the price of coverage. Simply turning a year older, buying another vehicle, or having an at-fault accident may prompt premium changes resulting in some rates now being cheaper than competitors.
Find Cheaper Auto Insurance for Your Sentra
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
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The Hartford has some of the lowest car insurance rates in Colorado at around $850 each year. Grange, USAA, GEICO, and Nationwide also qualify as some of the cheapest Colorado auto insurance companies.
In the rate table above, if you are currently insured with Grange and switched to The Hartford, you may see yearly savings of approxmiately $99. Customers with USAA may save as much as $159 a year, and GEICO policyholders might reduce prices by as much as $291 a year.
Bear in mind that those prices are averages for all insureds and vehicles and do not take into consideration a specific rate value for a Nissan Sentra. So the company that has the lowest price for you may not even be in the list above. That is why you need to get rate quotes using your own individual information.
Impact of careless driving on Colorado insurance rates
In a perfect world, the best way to snag the cheapest insurance premiums in Colorado for a Sentra is to be a careful driver and have a clean driving record. The illustration below shows how traffic citations and fender-benders can drive up auto insurance rates for different categories of driver ages. The information is based on a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of a car insurance policy in Colorado per year with no accidents or violations is $1,739. Receive one speeding ticket and the average cost increases to $2,000, an increase of $262 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Nissan Sentra in Colorado increases to an average of $4,333. That's an increase of $2,594, or $216 per month, just for a couple of infractions!
Types of discounts on Colorado car insurance
Insurance companies that sell policies for a Nissan Sentra may have rate discounts that can reduce rates by 25% or more if you meet eligibility requirements. Companies and a summarized list of policyholder discounts can be found below.
- The Hartford offers discounts including driver training, bundle, air bag, good student, vehicle fuel type, and defensive driver.
- American Family may include discounts for good student, bundled insurance, multi-vehicle, defensive driver, good driver, TimeAway discount, and early bird.
- Progressive has discounts for online quote discount, homeowner, online signing, good student, and multi-policy.
- Travelers may have discounts that include multi-car, new car, driver training, hybrid/electric vehicle, and continuous insurance.
- Farmers Insurance discounts include multi-car, early shopping, homeowner, distant student, teen driver, youthful driver, and alternative fuel.
- USAA may offer discounts for military installation, multi-vehicle, safe driver, annual mileage, new vehicle, good student, and vehicle storage.
- Liberty Mutual has savings for teen driver discount, multi-car, newly retired, hybrid vehicle, new move discount, newly married, and new graduate.
The example below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The data is based on a female driver, no claims or driving citations, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, multiple policy, multiple vehicle, passive restraint, safe-driver, and claim-free discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on insurance for a Nissan Sentra is 28% or $722.
The example below demonstrates how deductible levels can affect insurance costs when quoting cheap insurance for a Nissan Sentra in Colorado. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could save $324 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, can save as much as $802 every year just by choosing larger deductibles. If you do raise deductibles, it is essential to have spare funds to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.