Cheapest Insurance Quotes for a Nissan Sentra in Kentucky

The odds of finding the best cheap insurance for a Nissan Sentra in Kentucky depends on a lot of rating factors like if you rent or own your home, the size of your vehicle, and if you had any at-fault accidents in the last few years. Drivers in Kentucky pay an average of $750 per year for Sentra insurance, but that is a valuation calculated based on a 40-year-old married male that purchased full comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a really good chance that you are not a 40-year-old male, possibly single instead of married, or maybe you just want different deductibles. What appears to be a small change in policy rating variables can lead to a significant difference in the price of coverage.

Everyone has different rating factors, so the only real way to find the cheapest coverage for your Nissan is to put in the effort to do a thorough rate comparison. Quotes only take a couple of minutes and you can get rates from the cheapest companies that sell coverage in Kentucky.

Insure Your Nissan for Less

Vehicle trim level has an effect on price, so the price to insure a Sentra 2 model will be $106 less than the insurance cost for the more costly Sentra SE-R SPEC V model, as shown below.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific location which can alter rates significantly.

Finding dependable, cost effective auto insurance is confusing at best, and figuring out which company has the most affordable auto insurance rates for a Nissan Sentra may require even more work.

Every insurance provider uses their own formula to set premium rates, so let’s take a look at the auto insurance companies with the most affordable rates in Kentucky.

Find the Best Cheap Insurance for Your Sentra

Compare Rates and Save

Cincinnati Insurance normally has some of the most affordable car insurance rates in Kentucky at around $1,126 annually. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also some of the cheaper Kentucky insurance companies.

As the example above demonstrates, if you buy coverage from USAA and switched to Cincinnati Insurance, you might realize savings of in the neighborhood of $85. Customers with Auto-Owners may save as much as $231 a year, and Motorists Mutual customers might realize rate reductions of up to $475 a year.

If you want to see how much you could save, click here to start your custom quote or visit any of the low-priced companies below.

Be aware that those premiums are averages across all drivers and vehicles and and are not calculated with a specific rate factor for a Nissan Sentra. So the auto insurance company that can offer you the lowest price may not even be included in the list of companies above. That’s why you need to get rate quotes using your own personalized driver profile and vehicle information.

Should you buy full coverage?

Finding the cheapest insurance for a Nissan Sentra in Kentucky should be important to the majority of vehicle owners, and one of the easiest ways to find cheap insurance is to only buy liability coverage. The chart below compares insurance prices with full coverage and liability only. The rates are based on no claims, a clean driving record, $100 deductibles, drivers are single, and no discounts are taken into consideration.

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If we average the cost for all age groups, full coverage costs $2,557 per year more than just buying liability only. That brings up the question if it’s worth it to buy full coverage. There is no definitive formula for dropping comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

Insurance rate increases from tickets or accidents

The easiest method to find the cheapest auto insurance rates in Kentucky for a Sentra is to be a safe driver and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and accident claims can impact insurance rates for different age groups. The rates are based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2083,2697,5079],[‘Age 30’, 1443,2059,4437],[‘Age 40’, 1437,2051,4429],[‘Age 50’, 1263,1877,4259],[‘Age 60’, 1201,1815,4195],[‘Age 70’, 1311,1925,4305]]);var options = {title: ‘Effect of Tickets and Claims on Kentucky Nissan Sentra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Kentucky’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance in Kentucky per year with no accidents and a clean driving record is $1,456. Add in two speeding tickets and the average cost swells to $2,071, an increase of $614 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Nissan Sentra jumps again to an average of $4,451. That’s an increase of $2,994, or $250 per month, just for being a less-than-perfect driver!

Who has the cheapest Nissan Sentra insurance quotes?

Due to technology, there are many ways to compare auto insurance prices in Kentucky, but the most common are either through a non-exclusive or independent agent, an exclusive agency such as Auto-Owners or State Farm, or buying direct from a company like Progressive or Geico.

All three ways are similar, but each is slightly different in how they price policies.

Independent insurance agencies work with multiple companies and can get rate quotes from all of them. These types of agents are not restricted to one company and can get prices from more than one company, which can help you get improved odds of finding cheaper coverage. If they find a lower price, your policy can be moved and you can keep the same agent.

An agent who is captive is usually just provide rates from one insurance company, two examples being an Allstate or Liberty Mutual agent. Exclusive agents cannot provide other companys’ prices, so drivers will want to get other quotes as well.

Drivers who opt to buy auto insurance direct skip local insurance agents and buy direct either online or via phone. Shopping for auto insurance direct may be a decent choice drivers who do not have a complex risk profile and have knowledge of what auto insurance covers.

Which method is best to buy the cheapest insurance for a Nissan Sentra in Kentucky? The majority of people assume that buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. We could also assume that using an independent agent is the best way to save because they can shop around, but that idea is not necessarily true either. And often times, the exclusive agents may have prices that other companies cannot beat.

Since auto insurance rates vary so much, the one way to find out which one is cheapest is to compare rate quotes from as many companies as possible. It’s recommended that drivers get price quotes all three ways to have the best rate selection. For a list of companies offering online discounts, click here to view.