Cheapest Insurance for a Nissan Sentra in West Virginia

The likelihood of finding cheaper auto insurance for a Nissan Sentra in West Virginia is contingent on a very complex rating algorithm that uses multiple factors like whether or not your vehicle has good safety ratings, if you have recent claims, and your choice of physical damage deductibles. Drivers on average pay approximately $920 a year to buy Nissan Sentra insurance, but that figure is a ballpark figure using rate data for a 50-year-old single male that wants full coverage and $1,000 deductibles.

It’s highly likely you are not 50 years old and maybe not even male, maybe you are married instead of single, and you probably do not live in the same zip code as the example. Insurance is an individual thing, so the best method for finding cheap auto insurance rates for your Nissan is to make a habit of comparing rates at every renewal. In less than five minutes you will get price quotes from the cheapest companies available.

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Vehicle trim level tends to have a direct impact on the coverage cost, so the price to insure a Sentra 2 trim level will cost $128 less than the insurance cost for the more well-appointed Sentra SE-R SPEC V model, as shown in the prices below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate information does not factor in vehicle location which can revise coverage prices substantially.

West Virginia auto insurance companies ranked

Finding the right auto insurance provider can be rather challenging considering how many companies sell insurance in West Virginia. The company ratings in the lists below could help you decide which auto insurers to look at purchasing from.

These ratings are for companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into the list. To compare price quotes from these and other companies in West Virginia, click this link.

Top 10 Large Auto Insurance Providers in West Virginia Ranked by A.M. Best Rating

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

Top 10 Large Auto Insurance Providers Overall in West Virginia

1. USAA
2. AAA Insurance
3. Nationwide
4. Allstate
5. State Farm
6. The Hartford
7. Safeco Insurance
8. Progressive
9. American Family
10. Esurance

Top Companies for Nissan Sentra Insurance in West Virginia

Irresponsible driving raises your rates

The obvious way to get cheap auto insurance premiums in West Virginia for a Sentra is to drive safe and avoid accidents and traffic violations. The illustration below shows how violations and at-fault fender-benders influence insurance costs for each different age category. The prices are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3247,3539,4379],[‘Age 30’, 2211,2505,3343],[‘Age 40’, 2055,2351,3187],[‘Age 50’, 1799,2093,2931],[‘Age 60’, 1743,2033,2871],[‘Age 70’, 2047,2339,3177]]);var options = {title: ‘Effect of Tickets and Claims on West Virginia 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 West Virginia’,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 previous chart, the average cost of auto insurance in West Virginia per year with a clean driving record and no accidents is $2,184. Receive one speeding ticket and the average cost increases to $2,477, an increase of $293 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for a Nissan Sentra increases to an average of $3,315. That’s an increase of $1,131, or $94 per month, just for being a little careless behind the wheel!

Liability only or full coverage

Finding the cheapest insurance for a Nissan Sentra in West Virginia is the goal of the majority of people, and one of the fastest ways to pay less for insurance is to not insure for full coverage. The diagram below illustrates the difference between insurance costs with full coverage and liability only. The prices are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3255,1303],[‘Age 30’, 1673,715],[‘Age 40’, 1645,663],[‘Age 50’, 1505,621],[‘Age 60’, 1463,609],[‘Age 70’, 1827,815]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in West Virginia’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, physical damage insurance costs an additional $1,895 per year more than just buying liability only. That proposes the question when is the right time to remove full coverage. There is no set guideline of when to phase out physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

Find the cheapest insurance for a Nissan Sentra in West Virginia

The list below details a few penny-pinching ideas that can help drivers locate cheaper auto insurance.

• Try paying for small claims out-of-pocket
• Buy a car with high safety ratings
• Remain accident-free and save
• Don’t waste money on full coverage for older vehicles
• Save money by observing traffic laws and speed limits
• Insure your home and auto with the same company
• Compare rate quotes frequently

That last idea is incredibly vital, as was affirmed in the prior article. Prices in West Virginia can change considerably in a year, so drivers shouldn’t be reluctant to switch carriers if a cheaper rate is available. Having brand loyalty is commendable, but it’s not a great idea if that stubbornness costs you money that could be used for better things. If you have a few minutes, shop around and find cheaper car insurance for a Nissan Sentra.