How Much is Insurance for a Nissan Sentra in Maryland?

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” should not be used anywhere in the article as a descriptor for auto insurance rates. Unfortunately, cheap auto insurance for a Nissan Sentra can be hard, if not impossible, to find. Don’t get your dauber down, because we will show you how you can still find coverage that is more affordable.

The odds of finding cheaper auto insurance for a Nissan Sentra in Maryland hinges on lots of different factors such as your financial responsibility, if you have ever let your policy lapse, and citations or violations on your driving record. Drivers will pay on average $1,000 every 12 months to buy insurance for a Nissan Sentra, but that is calculated based on a 50-year-old single female driver who needs full comprehensive and collision coverage and $1,000 deductibles.

There is a good possibility you are not 50 and maybe not even a female, you might be married instead of single, or maybe your Sentra is old enough that it doesn’t require full coverage. Every policy is rated specifically for the driver, so the best method for finding cheap car insurance rates for your Nissan is to make a habit of regularly comparing rates from other companies. In just a couple of minutes you will receive price comparisons from the cheapest companies that sell coverage in Maryland.

Insure Your Nissan for Less

The trim level of your Sentra will be a contributing factor to the cost of coverage, so the price you will pay to insure a Sentra 2 will be $136 lower than the cost to insure the higher-end Sentra SE-R SPEC V version, as demonstrated by the prices below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can revise coverage prices considerably.

Insurance company ratings

Insuring your vehicle with the right car insurance provider can be rather challenging considering how many companies sell insurance in Maryland. The ranking information in the next section may help you decide which providers you want to consider when trying to find cheaper insurance for a Nissan Sentra. These ratings only include companies that insure vehicles across America, so companies that only write business in Maryland or surrounding areas will not be included in these rankings.

Top 10 Major Auto Insurers in Maryland Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Major Auto Insurers in Maryland Ranked by Customer Service

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

Top Companies for Nissan Sentra Insurance in Maryland

Cost comparison with and without full coverage

Finding cheap insurance for a Nissan Sentra in Maryland is probably important to most people, and an effective way to reduce the cost of insurance is to not buy full coverage. The illustration below visualizes the comparison of insurance costs with and without full coverage. The information is based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 5141,1437],[‘Age 30’, 2601,787],[‘Age 40’, 2609,729],[‘Age 50’, 2369,683],[‘Age 60’, 2289,671],[‘Age 70’, 2779,899]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Maryland’,minValue: 0,format: ‘$###,###’},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);}

On average, physical damage coverage costs $2,965 per year over and above liability only. At some point, almost every driver questions when is it safe to stop buying full coverage. There is no written rule to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

Discount Maryland auto insurance

Auto insurance companies that offer cheap insurance for a Nissan Sentra in Maryland may additionally offer price discounts that could potentially reduce rates by 30% or more if you qualify. The best insurance companies and a partial list of their discounts are detailed below.

• Farmers Insurance may offer discounts for teen driver, multi-car, good student, distant student, early shopping, alternative fuel, and youthful driver.
• Esurance discounts include online quote, good driver, Pac-12 alumni, multi-policy, and good student.
• State Farm offers premium reductions for multiple policy, Drive Safe & Save, safe vehicle, defensive driving training, and Steer Clear safe driver discount.
• GEICO policyholders can earn discounts including membership and employees, emergency military deployment, federal employee, defensive driver, driver training, and multi-policy.
• Allstate includes discounts for premier plus, defensive driver, teenSMART discount, passive restraint, multi-policy, anti-lock brakes, and economy car.

The information below shows the comparison of insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, no tickets, no at-fault accidents, Maryland state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with anti-theft, homeowner, claim-free, vehicle safety, multiple vehicle, and multiple policy discounts applied. When drivers take advantage of discounts, the the average amount saved on insurance for a Nissan Sentra is 28% or $710.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3781,2721],[‘Age 30’, 2603,1883],[‘Age 40’, 2413,1749],[‘Age 50’, 2111,1529],[‘Age 60’, 2041,1477],[‘Age 70’, 2385,1717]]);var options = {title: ‘Effect of Discounts on Insurance Price 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 Maryland’,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);}

Who has the cheapest Nissan Sentra insurance quotes?

Consumers have many ways to buy insurance in Maryland, but the most frequently used ways are from a non-exclusive or independent agent, an exclusive insurance agent like State Farm or Liberty Mutual, or direct online or over the phone from a company like Geico or Progressive.

All three ways are similar, but they differ slightly in how they work.

Independent agents write business for many companies and can do rate comparisons with each one. These types of agencies have the option to quote rates with many companies, which can give you a better chance of saving money. If premiums increase, the business is moved internally and you won’t have to switch agencies.

A captive or exclusive agent is contracted to a single insurance company such as Liberty Mutual and Allstate agents. These agents normally cannot provide rates from more than one company, so you will not be able to compare multiple prices.

Direct insurance buyers bypass local agents and buy buying direct from a company like Esurance or Progressive. This insurance option may be a decent choice consumers who do not have a lot of assets and have a good understanding of the exclusions of a policy.

So which one of the three ways works best to buy cheap insurance for a Nissan Sentra in Maryland? Most people would assume that shopping direct results in the cheapest rates because there are no middleman commissions, but that generally is not the case. A valid argument could also be made that using an independent agent results in the cheapest rates since there are more companies to choose from, but that idea is not necessarily true either. In many cases, exclusive agencies have extremely competitive rates that other insurance companies cannot touch.

Because of the variability of insurance rates, the best method to not overpay for insurance is to compare lots of quotes. If time allows, get price quotes all three ways to get a good idea who is cheapest. For a list of companies with online discounts, click here to view.

How to get cheap insurance for a Nissan Sentra in Maryland

The list below details some of the better money-saving ideas that can help Maryland drivers find the cheapest coverage.

• Do not pay for comprehensive and collision coverage on older vehicles
• Maintain a clean driving record
• Good credit can mean cheaper rates
• Get cheaper liability coverage by choosing a safer vehicle
• Raise deductibles
• At-fault accidents will increase rates
• Keep rates low by comparing prices once a year

The last item on the list is particularly significant, as was noted in this piece. Coverage prices fluctuate constantly, so drivers shouldn’t be reluctant to change to a new company if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that faithfulness ends up costing you a considerable chunk of change every month. If you have a few minutes, compare rates and find cheaper car insurance for a Nissan Sentra.