Who Has the Cheapest Insurance Quotes for a Nissan Sentra in Illinois?

Anytime the topic is car insurance, the word affordable shouldn’t be used anywhere in the article to describe car insurance rates. It’s a simple fact that cheap auto insurance for a Nissan Sentra is almost non-existent. Don’t let that spoil your day, because we will tell you how you can still find coverage that fits into your budget.

Your chances of buying cheaper auto insurance for a Nissan Sentra in Illinois hinges on a complicated equation that takes into consideration things such as your date of birth, your credit status, and if you had any at-fault accidents in the last few years. Illinois drivers pay approximately $730 each year to insure a Nissan Sentra, but that price is an approximation that uses a 30-year-old single male driver who needs full physical damage coverage and $1,000 deductibles.

It’s highly likely you are not 30 years old and maybe not even male, married instead of single, and maybe your Sentra just needs liability-only coverage. Even a very minor difference in the criteria used to calculate rates can make a large difference in policy price.

The different assumptions illustrate why the best method for finding affordable rates for your Nissan is to shop your policy around at every renewal.

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The specific trim level tends to have a direct impact on the yearly cost, so the price to insure a Sentra 2 will be $94 cheaper than the insurance cost for the high end Sentra SE-R SPEC V version, as demonstrated by the prices below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can decrease or increase coverage prices considerably.

Deciphering which companies offer the best insurance rates for a Nissan Sentra will take a little more effort than just comparing rates from one or two companies. Every insurance provider has their own formula for determining prices, so let’s rank the most budget-friendly insurance companies in Illinois.

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The Hartford may have some of the most affordable car insurance rates in Illinois at around $746 per year. Rockford Mutual, Titan, Cincinnati Insurance, and Erie also rank well as some of the cheaper Illinois car insurance companies.

As illustrated above, if you have coverage with Rockford Mutual and switched to The Hartford, you may realize an annual savings of in the neighborhood of $101. Customers with Titan could save as much as $132 a year, and Cincinnati Insurance policyholders might lower prices by up to $151 a year.

To find the cheapest insurance for a Nissan Sentra in Illinois, click here to start your free quote or visit any of the companies below.

Remember that these policy rates are averages across all drivers and vehicles in Illinois and do not take into consideration a specific rating modification for a Nissan Sentra. So the car insurance company that has the cheapest price for you may not even be included in the list of companies above. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

Rate comparison of full coverage and liability-only

Finding the cheapest insurance for a Nissan Sentra in Illinois is probably important to the majority of vehicle owners, and an easy way to pay less for insurance is to only pay for liability coverage. The chart below shows the difference between insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.

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As an average, physical damage coverage costs an additional $1,743 per year over having just liability coverage. That may make you wonder if you should buy full coverage. There is no exact rule to exclude physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s claim settlement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $11,000 after the policy deductible has been paid. If it’s costing you more than $1,100 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.

The illustration below demonstrates how deductibles can change insurance costs when trying to find cheap insurance for a Nissan Sentra. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3571,3215,2835,2481],[‘Age 30’, 1785,1625,1445,1271],[‘Age 40’, 1803,1629,1437,1257],[‘Age 50’, 1633,1481,1309,1147],[‘Age 60’, 1583,1433,1271,1115],[‘Age 70’, 1919,1745,1559,1385]]);var options = {title: ‘Comparison of Deductible Levels and Nissan Sentra Insurance Rates in Illinois’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their policy premium by $324 a year by increasing from a $100 deductible up to a $500 deductible, or save $486 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices as much as $1,090 annually by choosing a higher deductible.

When raising deductibles, it’s a good idea to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.