Best Cheap Insurance for a Nissan Sentra in Indiana

Whether or not you can find affordable insurance for a Nissan Sentra in Indiana depends upon a very complex rating algorithm that uses multiple factors such as whether or not you are married, your claims history, and the deductible amount you use. Drivers in Indiana will pay on average $850 annually to insure a Nissan Sentra, but that rate is a valuation calculated using a 30-year-old single female that has full coverage and $1,000 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 30 and maybe not even a female, possibly married instead of single, or maybe you’ve had an at-fault accident or two. Have just a small change in the factors used to determine rates can create big changes in the price of a policy.

Everone’s needs are different, and this illustrates why the best way to quote cheap auto insurance rates for your Nissan is to get into the habit of shopping around regularly.

Cheapest Nissan Sentra Insurance Rates

The trim level of your vehicle has an effect on price, so the price you pay to insure a Sentra 2 will be $120 lower than the insurance cost for the fancier Sentra SE-R SPEC V model, as shown by the rates below.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in specific location information which can change auto insurance rates considerably.

Finding out which company quotes the lowest-priced insurance rates for a Nissan Sentra takes a little more work than just quoting one company’s rates. Each company used slightly different criteria for setting rates, so we’ll go over the insurance companies with the overall cheapest rates in Indiana.

It’s a good idea to be aware that Indiana insurance rates are influenced by many factors that may substantially change the cost of your policy. Turning one year older, buying a different vehicle, or getting a speeding ticket may generate price changes resulting in some companies being cheaper in comparison to the competition.

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Travelers generally has some of the cheapest car insurance rates in Indiana at around $614 each year. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also qualify as some of the cheaper Indiana auto insurance companies.

In this example, if you currently buy coverage from Erie and switched to Cincinnati Insurance, you might realize a yearly price reduction of approxmiately $54. Indiana drivers with Indiana Farmers Mutual could save as much as $183 a year, and Western Reserve policyholders might reduce rates by $206 a year.

Be aware that those estimates are averages for all types of insureds and vehicles and and are not calculated with a specific rating modification for a Nissan Sentra. So the auto insurance company that fits your age and vehicle best may not even be featured in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Insurance rate increases from tickets or accidents

The obvious way to maintain the best insurance rates for a Sentra is to be a cautious driver and not get tickets or have accidents. The illustration below shows how violations and at-fault accidents can affect insurance costs for different ages of insureds. The information is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

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In the prior example, the average cost of a car insurance policy in Indiana per year with no violations or accidents is $1,873. Get written up for one speeding ticket and the average cost surges to $2,108, an increase of $236 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance for a Nissan Sentra increases to an average of $2,781. That’s an increase of $909, or $76 per month, just for not being attentive to the road!

Discounts on the best cheap insurance for a Nissan Sentra in Indiana

Insurers that sell policies for a Nissan Sentra may additionally offer discounts that could lower prices by 35% or more if you meet certain criteria. A list of insurance companies and a partial list of their discounts are included below.

The information below visualizes the comparison of insurance costs with and without discounts applied to the rates. The data assumes a female driver, no claims or driving citations, Indiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, defensive driving course, multiple policy, multiple vehicle, anti-theft, and homeowner discounts applied. In this example, the the average amount saved on insurance for a Nissan Sentra is % or $.

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