How Much is Insurance for a Nissan Sentra in Rhode Island?

The chances that you’ll find the best cheap coverage for a Nissan Sentra in Rhode Island is dependent upon a whole bunch of rating criteria like how you use your vehicle, your current insurance company, and your driving record. Drivers on average pay approximately $1,010 annually to buy insurance for a Nissan Sentra, but that policy rate is an approximation using rate data for a 50-year-old single male driver that wants comprehensive and collision coverage and $1,000 policy deductibles.

If we were betting, you are not a 50-year-old male, you might be married instead of single, or maybe you just want liability only. Just a slight change in the rating criteria used to formulate rates can result in a big discrepancy in the cost of insurance for a Nissan Sentra.

Auto insurance requires individual risk assessment, so the way we recommend to find the cheapest rates for your Nissan is to comparison shop your policy at every renewal or at least every couple of years. Rate quotes are easy and you will receive rate quotes from some of the best insurers in Rhode Island.

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The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price to insure a Sentra 2 model will cost $142 less than the insurance cost for the more costly Sentra SE-R SPEC V version, as shown in the prices below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease premiums considerably.

Ending up with a good quality insurer can be rather challenging considering how many companies are available to choose from in Rhode Island. The company ratings displayed below could help you analyze which car insurance companies you want to consider when trying to find the cheapest insurance for a Nissan Sentra. The rankings below include companies with a national presence, so smaller companies are not factored into the list.

Careless Rhode Island drivers pay higher rates

A great way to find cheap insurance for a Nissan Sentra in Rhode Island is to be a good driver and avoid accidents and keep your driving record clean. The information below shows how traffic citations and fender-benders can raise yearly insurance costs for different age groups. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

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The chart shows that the average cost of a car insurance policy in Rhode Island per year with no violations or accidents is $2,801. Get written up for one speeding ticket and the average cost hikes up to $3,174, an increase of $373 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for a Nissan Sentra goes up to an average of $4,249. That’s an increase of $1,448, or $121 per month, just for not paying attention while driving!

Who has the cheapest Nissan Sentra insurance quotes?

You have many ways to quote insurance rates in Rhode Island, but the most common ways are through an independent or non-exclusive agent, an exclusive insurance agency like Allstate or Liberty Mutual, or from a direct company like Progressive or Geico.

All three ways can provide insurance quotes, but it’s good to know the differences in how they provide rate quotes.

Independent insurance agencies work with multiple companies and can compare coverage rates with every one. Independent agents do not sell for just one brand and can give you more rate choices, which can help you get the best shot at cutting your rates. If prices rise, your policy can be easily switched to a different company which makes it easier to save money.

Exclusive agencies are only able to place business with a single insurance company, a couple examples are State Farm and Auto-Owners agents. These agents are unable to provide a range of price quotes, which requires you to shop around.

The third popular method of shopping for insurance is direct, which means you forego a local agent and instead buy direct online or over the phone from a company like Progressive or Esurance. Shopping direct is a good choice for people who do not have a need for a risk management assessment and know how insurance works.

So which one of the three ways works best to buy cheap insurance for a Nissan Sentra in Rhode Island? One answer would be shopping direct results in the cheapest rates since that eliminates agent commissions, but in reality, that is not true. A good argument could also be made that going through an independent agent guarantees the best prices due to more options, but again, that’s not a true statement. And often times, exclusive agencies have very competitive rates that are impossible to beat.

Because of the variability of insurance rates, the one way to buy the cheapest policy is to compare lots of quotes. We highly recommend getting price quotes from independent, exclusive, and direct in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.

How to find cheap insurance for a Nissan Sentra in Rhode Island

The list below shows some of the better thrifty suggestions that can help you find more affordable auto insurance.

• Good credit can mean cheaper rates
• Increase your policy deductibles
• Lower rates by purchasing a safer vehicle
• Do not waste money insuring older vehicles for full coverage
• Buy your homeowners policy from the same company as your auto insurance
• Try paying for small claims out-of-pocket
• Compare rates regularly to ensure the best deal

That last tip is extremely crucial, as we noted in this article. Coverage prices can change considerably in a year, so drivers shouldn’t be reluctant to buy a different policy if a lower price can be found. Being loyal to a particular company is commendable, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars year after year. If you have a few minutes, compare rates to find cheaper insurance for a Nissan Sentra.