Cheap Insurance for a Nissan Sentra in Oregon

When writing about shopping for car insurance, the word cheap really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for a Nissan Sentra is just plain contradictory. We’ll try to make it up to you, because we will show you how you can still find insurance that doesn’t break your budget.

Whether or not you can find the best cheap auto insurance for a Nissan Sentra in Oregon is contingent on lots of different factors like how old you are, your address, and your motor vehicle report. Oregon drivers on average pay approximately $1,240 each year to insure a Nissan Sentra, but that cost is an estimate based on a 40-year-old single male with full coverage including both comprehensive and collision and $100 physical damage deductibles.

More than likely, you are not 40 and possibly not even male, maybe you are married instead of single, or maybe you do not need full coverage. Even a minor change in the criteria used to calculate rates can create big changes in the policy rate.

Car insurance coverage is unique to each driver, so this is why your best chance at finding the most affordable coverage for your Nissan is to make a habit of comparing rates at every renewal. Price quotes are quick and you will be able to compare rates from the cheapest companies that offer coverage in Oregon.

Cheapest Nissan Sentra Insurance Rates

Vehicle trim level will be a contributing factor to price, so the rate you pay to insure a Sentra 2 will be $238 cheaper than the price to insure the more well-appointed Sentra SE-R SPEC V version, as shown in the prices below.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in specific location information which can decrease or increase premium rates considerably.

Trying to find low-cost auto insurance is confusing at best, and determining which company has the lowest-priced insurance rates for a Nissan Sentra will take even more work. Every insurance provider uses different criteria to set their prices, so let’s take a look at the most budget-friendly insurance companies in Oregon.

It’s important to understand that Oregon insurance rates are impacted by many things that can increase the price of coverage. This price fluctuation is why it is critical to spend some time comparing rates when trying to get the best car insurance quotes for a Nissan Sentra. Insurance rates can be altered by many factors and change substantially, so the best price six months ago may now be quite expensive.

Best Cheap Insurance Rates for Your Sentra

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Grange quotes some of the most affordable car insurance rates in Oregon at around $687 annually. Oregon Mutual, Country, Travelers, and USAA also are some of the cheaper Oregon car insurance companies.

As shown in the rates above, if you buy coverage from Travelers and switched to Oregon Mutual, you may realize savings of upwards of $70. Policyholders with USAA might save as much as $135 a year, and State Farm insureds might realize rate reductions of up to $185 a year.

To see if your current coverage is too expensive, click here to start your free quote or visit any of the companies below.

It’s important to note that these estimates are averages across all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Nissan Sentra. So the company that fits your needs best may not even be shown in the company chart above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Discounts on Oregon auto insurance rates

Insurers that offer cheap insurance for a Nissan Sentra in Oregon may provide discounts that may potentially lower prices by 30% or more if you meet specific eligibility requirements. Popular insurance companies and some of their more popular discounts include:

• State Farm has savings for defensive driving training, passive restraint, accident-free, multiple autos, safe vehicle, and driver’s education.
• GEICO may include discounts for anti-lock brakes, military active duty, seat belt use, anti-theft, and multi-vehicle.
• Allstate may have discounts that include safe driver, premier plus, good student, premier discount, passive restraint, good payer, and defensive driver.
• SAFECO offers discounts for anti-theft, safe driver, drive less, bundle discounts, anti-lock brakes, and teen safe driver.
• Farm Bureau may offer discounts for good student, multi-policy, youthful driver, 55 and retired, multi-vehicle, driver training, and safe driver.
• Progressive has discounts for online signing, good student, online quote discount, multi-policy, and continuous coverage.
• AAA offers discounts including good student, multi-policy, good driver, pay-in-full, anti-theft, AAA membership discount, and education and occupation.

The chart below visualizes the comparison of insurance premiums with and without discounts. The premium estimates are based on a male driver, no accidents, no driving violations, Oregon state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, homeowner, vehicle safety, marriage, and anti-theft discounts applied. When taking advantage of discounts, the the amount saved on insurance for a Nissan Sentra is 28% or $528.

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Full coverage versus liability-only

Finding cheap insurance for a Nissan Sentra in Oregon should be important to most people, and one way to buy cheaper insurance is to only pay for liability coverage. The diagram below illustrates the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no violations or claims, $100 deductibles, marital status is single, and no other discounts are factored in.

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If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,339 per year over having just liability coverage. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no written rule that works best for making the decision to drop physical damage insurance, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

How to find more affordable car insurance for a Nissan Sentra

It is possible to find better rates, and here are a few penny-pinching ideas that can help Oregon drivers buy the cheapest auto insurance.

• Higher credit scores may earn you cheaper rates
• Serious violations like DUI or careless driving can make car insurance unaffordable
• If possible, do not file small claims
• Avoid at-fault accidents and claims
• Safer vehicles cost less to insure
• Shop around and save

The final tip is highly critical, as we pointed out in this write-up. Prices charged by car insurance companies in Oregon can change considerably based on profitability, so don’t be hesitant to switch to a new company if a lower-cost policy is available.

Having brand loyalty is commendable, but it’s not recommended if that faithfulness ends up costing you a fortune every year. Now is a great time to compare rates to find cheaper auto insurance for a Nissan Sentra.