Who Has the Cheapest Insurance for a Nissan Sentra in Arkansas?

Your odds of finding affordable auto insurance for a Nissan Sentra in Arkansas is dependent upon many different factors like driver age, if you currently have coverage, and physical damage deductibles. Drivers in Arkansas on average pay approximately $1,160 a year to buy insurance for a Nissan Sentra, but that price is a valuation assuming a 30-year-old married male driver that wants full physical damage coverage and $100 physical damage deductibles.

When making auto insurance estimates, the issue arises that you’re not a 30-year-old male, possibly single instead of married, or maybe you just want different deductibles. Every driver has different characteristics, so your best shot at finding the cheapest insurance price for your Nissan is to comparison shop your policy at each renewal. Quotes are free and easy and you will receive rate quotes from top-rated car insurance companies available.

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The specific model of Sentra will likely have an effect on the cost of coverage, so the rate you pay to insure a Sentra 2 trim level will be $226 lower than the insurance cost for the higher-priced Sentra SE-R SPEC V version, as shown in the prices below.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can impact coverage rates significantly.

Determining which companies quote the cheapest auto insurance rates for a Nissan Sentra will take a little more sweat than just getting one or two price quotes. Every car insurance company has a unique formula for determining prices, so we will examine the auto insurance companies with the overall cheapest rates in Arkansas.

Keep in mind that Arkansas auto insurance rates are based on many factors that may substantially change the cost of your policy. Simply getting older, buying a different vehicle, or getting a driving violation may prompt premium changes that can make some companies cheaper than before.

Cheap Insurance Rates for Your Sentra

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USAA may have some of the best car insurance rates in Arkansas at around $1,011 each year. Auto Club, Travelers, State Farm, and Southern Farm Bureau would also make the list of some of the most economical Arkansas car insurance companies.

In the rate table above, if you currently have a policy with State Farm and switched to Auto Club, you could see savings of approxmiately $178. Policyholders with Southern Farm Bureau might save as much as $179 a year, and Safeco customers might reduce prices by as much as $232 a year.

If you would like to find the cheapest insurance for a Nissan Sentra in Arkansas, click here to get a free quote or click through to the companies below.

These premium estimates are averages across all drivers and vehicles and are not factoring in a specific rate value for a Nissan Sentra. So the car insurance company that fits your situation best may not even be in the rate chart shown above. That points out the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

Cost of full coverage

Finding the cheapest insurance for a Nissan Sentra in Arkansas is the goal of most vehicle owners, and a great way to buy cheaper insurance is to not buy full coverage. The chart below illustrates the comparison of insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Arkansas. The rates are based on no claims, a clean driving record, $100 deductibles, single status, and no other discounts are factored in.

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Averaged out for all age groups, comp and collision coverage costs $2,481 per year over and above liability coverage. Lot’s of drivers question if buying full coverage is a good investment. There is no specific rule for eliminating comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your deductible. If premiums are more than $600 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some scenarios where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

The illustration below highlights how deductible selection can increase or decrease insurance prices when trying to find cheap insurance for a Nissan Sentra. The rates are based on a married female driver, comp and collision included, and no discounts are factored in.

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The data above shows that a 40-year-old driver could reduce rates by $302 a year by switching from a $100 deductible to a $500 deductible, or save $454 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could possibly save up to $748 or even more just by choosing larger deductibles. If you do decide to increase your deductibles, it will be required to have additional funds squirreled away to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.

How to find cheaper insurance for a Nissan Sentra

Below you’ll find a few penny-pinching solutions that can help drivers find lower-cost car insurance.

• Drop full coverage on older vehicles
• Increase your comprehensive and collision deductibles
• Drive safe vehicles
• Avoid accidents
• Improve your credit score
• Do not get traffic violations
• Comparison shop frequently

That last idea is highly valuable, as we pointed out in this article. Prices charged by car insurance companies change a lot, so don’t be afraid to buy a different policy if you find a cheaper price. Having a favorite company is great, but it’s not a great idea if that loyalty ends up costing a lot of money. It only take a few minutes to shop around and find cheaper auto insurance for a Nissan Sentra.

Cheap Nissan Sentra insurance quotes

Thanks to the internet, there are a lot of ways to compare auto insurance quotes in Arkansas, but the most frequently used ways are from an independent or non-exclusive agent, an exclusive agency like State Farm or Allstate, or direct either online or via phone.

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

Independent agents are appointed by several companies and can get rate quotes from all of them. Independent agents are appointed with more than one company and can quote rates with many companies, which may give you a better chance of saving money. If a cheaper price is found, your agent can switch companies and the insured can keep the same agent.

A captive, or exclusive, agent is contracted to one company such as a State Farm or Farmers agent. These agents are unable to provide rates from more than one company, which requires you to shop around.

Direct auto insurance buyers bypass an independent or exclusive agent and instead shop direct online or over the phone from a company like Progressive or Esurance. This auto insurance option may be the best choice people who do not have a complex risk profile and know more than average about what limits they need.

Out of those three methods, which one works best to find the cheapest insurance for a Nissan Sentra in Arkansas? It would be premature to say buying from a direct car insurance company results in the best prices because there isn’t an agent involved, but that does not always hold true. It would also be easy to say an independent agent saves the most money since they have more companies to choose from, but again, that’s not accurate. In a lot of cases, exclusive agencies have coverage prices that other auto insurance companies cannot touch.

Because there is so much variation in auto insurance prices, really the only way to get the lowest rate is to compare, compare, and compare some more. If you have the time, get quotes from all three types to have a good selection of rates to choose from. For a list of companies offering online discounts, click here to view.

Cheapest car insurance: State Farm, Geico, Progressive, or Allstate

If you are looking for the best insurance for a Sentra in Arkansas, some of the first companies to look at are State Farm, Geico, Progressive, and Allstate. The data below points out pricing and service ratings, as well as optional policy coverages that are available for customers.