Cheap Insurance for a Nissan Sentra in New York

Whether or not you can find affordable coverage for a Nissan Sentra in New York depends upon a calculation that uses factors like if you are married or single, your address, and your choice of physical damage deductibles. Drivers pay around $940 per year to buy Nissan Sentra insurance, but that rate is a valuation based on a 30-year-old single male driver who requires full comprehensive and collision coverage and $250 policy deductibles.

There is a good chance you are not 30 and possibly not even male, married instead of single, and there is a good chance that other rated drivers impact the rate. Having the smallest difference in policy rating data can generate big changes in policy price.

Everyone has unique insurance needs, and this illustrates why the most reliable way to find the cheapest rates for your Nissan is to make a habit of comparing rates at every renewal.

Compare Rates and Save

Your Nissan’s trim level will be a contributing factor to the coverage cost, so the price to insure a Sentra 2 model will cost $154 less than the cost to insure the more well-appointed Sentra SE-R SPEC V model, as shown in the chart below.

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in zip code location which can lower or raise price quotes significantly.

Picking a highly-rated auto insurance provider can be difficult considering how many different companies insure vehicles in New York. The company rank data displayed below can help you select which car insurance companies to look at when comparing rates. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on New York business are not included in this list.

Top 10 Major Auto Insurance Companies in New York Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. Erie Insurance – 88%
6. USAA – 87%
7. State Farm – 87%
8. Travelers – 87%
9. Mercury Insurance – 87%
10. Safeco Insurance – 86%

Top 10 Major Auto Insurance Companies in New York Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Mercury Insurance – A+

Top Companies for Nissan Sentra Insurance in New York

Get discount New York insurance rates

Insurance companies that sell cheap insurance for a Nissan Sentra in New York could also offer discounts that may potentially lower prices by as much as 30% if you qualify for them. Popular auto insurance companies and some of the discounts are included below.

• AAA may offer discounts for good driver, multi-policy, anti-theft, AAA membership discount, and multi-car.
• Progressive includes discounts for multi-policy, good student, online quote discount, homeowner, online signing, and continuous coverage.
• State Farm offers discounts for defensive driving training, student away at school, passive restraint, driver’s education, anti-theft, multiple policy, and Drive Safe & Save.
• Esurance policyholders can earn discounts including good student, online quote, Switch & Save, renters, and anti-theft.
• Nationwide has discounts for Farm Bureau membership, accident-free, multi-policy, easy pay, good student, and business or organization.

The example below shows the difference between auto insurance rates with and without discounts applied to the rates. The costs are based on a female driver, no claims or driving citations, New York state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, passive restraint, vehicle safety, defensive driving course, claim-free, and safe-driver discounts applied. In this example, the the average amount saved on auto insurance for a Nissan Sentra is 28% or $455.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2437,1751],[‘Age 30’, 1667,1209],[‘Age 40’, 1551,1123],[‘Age 50’, 1357,985],[‘Age 60’, 1313,953],[‘Age 70’, 1539,1111]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Nissan Sentra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in New York’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The benefit of shopping around

New York auto insurance rates are based on many factors which can significantly increase or decrease the price of your policy. Getting older, buying a home instead of renting, or getting a few speeding tickets can trigger price changes resulting in some companies being cheaper than others. Additionally, car insurance companies change their prices every year or even multiple times each year in order to remain profitable. Heavier than normal losses may cause additional price hikes, while profitable underwriting can result in cheaper Sentra insurance rates.

For example, the bar chart below shows rates for the cheapest car insurance in New York for a 35-year-old male driver with no prior claims, no tickets, and a good credit history. When comparing rates based on his current risk profile, USAA might offer the cheapest car insurance rates in New York at $3,488 each year. This is $1,413 more than the average rate paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers round out the rest of the top five cheapest New York auto insurance companies.

google.charts.setOnLoadCallback(drawNYWitcqcibChart);function drawNYWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 3488, ‘#53860C’],[‘Erie’, 3615, ‘#456F0A’],[‘Utica National’, 4464, ‘#395C08’],[‘Progressive’, 4534, ‘#2F4C06’],[‘Travelers’, 4584, ‘#273F05’]]);var options = {title: ‘Best Car Insurance Rates for a Nissan Sentra’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:4684,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will pretend the driver in the first example a claim surcharge, slightly worse credit, and a traffic citation. Since every car insurance company uses their own formula for determining rates, analyzing rate quotes may now present a different list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawNYWcqcibChart);function drawNYWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Amica’, 5211.8, ‘#C75000’],[‘MetLife’, 5238.2, ‘#A54200’],[‘Erie’, 5422.5, ‘#893700’],[‘Preferred Mutual’, 5787.1, ‘#722D00’],[‘USAA’, 6080.8, ‘#5F2500’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:6180.8,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Amica now has the cheapest rate in New York with MetLife, Erie, Preferred Mutual, and USAA completing the list. This shows why New York drivers need to do a thorough rate comparison when trying to get affordable auto insurance rates for a Nissan Sentra.

Rates are determined by many things and change frequently, so the best price three years ago may now be one of the more expensive options.

How to get cheap insurance for a Nissan Sentra in New York

It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help New York drivers get low-cost auto insurance.

• Frequent claims will increase rates
• Save money by observing traffic laws and speed limits
• Save money by insuring older vehicles for liability only
• Increase your policy deductibles
• Accidents can significantly increase rates
• Keep rates low by shopping around frequently

The last tip is very vital, as was affirmed in this write-up. Rates in New York go up and down frequently, so don’t be hesitant to buy a different policy if a better rate can be found. Brand loyalty is not necessarily bad, but it’s not a good idea if that faithfulness ends up costing you big bucks every year. In just a couple of minutes you could shop around and find cheaper insurance for a Nissan Sentra.