Who Has Cheap Insurance Quotes for a Nissan Sentra in Florida?

Whenever people write about car insurance, the words cheap or affordable really should not be used anywhere in the article. Unfortunately, cheap car insurance for a Nissan Sentra can be hard, if not impossible, to find. But fear not, because we are going to show you how you can still find car insurance that is more budget-friendly.

The odds of finding the cheapest coverage for a Nissan Sentra in Florida hinges on a lot of rating factors such as how old the Sentra is, your residence address, and citations or violations on your driving record. Drivers pay on average $1,290 each year for Sentra insurance, but that figure is an estimate that uses rate data for a 30-year-old married female that wants full coverage including both comprehensive and collision and $250 deductibles.

The issue with using an average estimated rate is the likelihood you are not a 30-year-old female, single instead of married, or maybe you just want liability only instead of full coverage. What seems to be a minor change in rating criteria or coverage limits can create big changes in how much coverage for a Nissan Sentra costs.

Every driver’s needs are different, and that is why the only real way to find cheap insurance rates for your Nissan is to do the rate comparisons yourself. Quotes are free and you will receive rate quotes from the best companies that insure vehicles in Florida.

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Vehicle trim level tends to have a direct effect on the yearly cost, so the rate you pay to insure a Sentra 2 trim level will be $230 less than the insurance cost for the higher-priced Sentra SE-R SPEC V trim level, as shown in the table below.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in garaging location in Florida which can decrease or increase premiums noticeably.

Establishing which companies quote the best auto insurance rates for a Nissan Sentra will require a little more effort in order to find the lowest price. Every auto insurer uses their own method for determining rates in each state, so let’s take a look at the auto insurance companies that tend to be cheaper in Florida.

We do need to point out that Florida auto insurance rates are based on many factors that control the price of your policy. Getting older, getting divorced, or getting a ticket for running a stop sign can trigger changes in premium resulting in some companies being more affordable than competitors.

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USAA generally has some of the lowest car insurance rates in Florida at around $948 each year. Amica, Electric, Progressive, and Travelers also qualify as some of the best Florida insurance companies.

In this example, if you currently have a policy with Progressive and switched to Amica, you could see a yearly price reduction of in the neighborhood of $81. Florida drivers with Travelers might save as much as $175 a year, and Allied customers might realize rate reductions of up to $232 a year.

These policy rates are averages for all drivers and vehicles in Florida and and are not figured with a specific rate value for a Nissan Sentra. So the insurer that fits your situation best may not even be shown in the chart above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Discounts on cheap insurance for a Nissan Sentra in Florida

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-nissan-sentra-fl.jpg" alt="Cheaper Florida auto insurance for a Sentra” />Auto insurance companies that provide coverage for a Nissan Sentra may have premium discounts that could reduce prices by as much as 25% or more if you meet specific criteria. Companies and their offered discounts are included below.

The illustration below illustrates the difference between insurance prices with and without some available policy discounts. The data is based on a male driver, no accidents, no driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, homeowner, anti-theft, marriage, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, the the average amount saved on auto insurance for a Nissan Sentra is 34% or $391.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 5207,3739],[‘Age 30’, 2605,1887],[‘Age 40’, 2623,1895],[‘Age 50’, 2381,1721],[‘Age 60’, 2305,1667],[‘Age 70’, 2811,2023]]);var options = {title: ‘Insurance Premium Comparison 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: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Drive safe and save

A great way to score the cheapest auto insurance prices in Florida for a Sentra is to be a safe driver and avoid accidents and keep your driving record clean. The illustration below shows how violations and accidents can increase yearly insurance costs for different age groups. The data is based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

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 Two Accidents’],[‘Age 20’, 3827,4173,7141],[‘Age 30’, 2615,2959,5925],[‘Age 40’, 2429,2775,5743],[‘Age 50’, 2123,2465,5435],[‘Age 60’, 2057,2399,5367],[‘Age 70’, 2413,2757,5727]]);var options = {title: ‘Effect of Tickets and Claims on Florida 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 Florida’,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);}

The chart shows that the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,577. Add in one speeding ticket and the average cost rises to $2,921, an increase of $344 each year. Then add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Nissan Sentra jumps again to an average of $5,890. That’s an increase of $3,312, or $276 per month, just for not being more responsible behind the wheel!