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

Our editors keep telling us that when writing about car insurance, the words “affordable” or “cheap” should never be used anywhere in the article to describe car insurance prices. Nonetheless, cheap car insurance for a Nissan Sentra can seem impossible to find. But don’t despair, because we are going to show you some ways you can find auto insurance that works with your budget.

The chances that you’ll find cheap coverage for a Nissan Sentra in Ohio is dependent upon a very complex rating algorithm that uses multiple factors like whether you are married or single, your geographic location, and if you have any chargeable driving offenses. Drivers on average pay around $470 annually to buy insurance for a Nissan Sentra, but that rate is a valuation that uses a 50-year-old married female driver who purchased both comprehensive and collision coverage and $1,000 deductibles.

It’s more than likely you may not be 50 years old (or even female), possibly single instead of married, or maybe you’re a renter instead of a homeowner. This demonstrates why the best way to find the cheapest insurance price for your Nissan is to comparison shop your policy at each renewal.

Cheapest Nissan Sentra Insurance Rates

The specific model of Sentra can impact the cost of coverage, so the rate you will pay to insure a Sentra 2 trim level will be $68 less than the price to insure the fancier Sentra SE-R SPEC V version, as shown by the rates below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific zip code location which can impact price quotes significantly.

Comparing rates for cheap insurance is not easy, and figuring out which companies offer the lowest-priced car insurance rates for a Nissan Sentra requires a bit more work.

Each insurer has their own formula for determining rates in each state, so first we will examine the car insurance companies with the overall best prices in Ohio.

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Utica National generally has some of the cheapest car insurance rates in Ohio at around $635 annually. Erie, Frankenmuth, Allied, and Travelers also qualify as some of the lowest-priced Ohio insurance companies.

As the rates illustrate above, if you are a policyholder with Travelers and switched to Erie, you could earn a yearly price reduction of in the vicinity of $44. Customers with USAA could save as much as $72 a year, and Merchants Insurance Group customers might see rate reductions of $94 a year.

If you want to see how much you could save, click here to start your custom quote or click several companies below for low rates.

It’s important to note that these premium estimates are averaged across all types of insureds and vehicles and are not factoring in a specific rate factor for a Nissan Sentra. So the company that fits you best may not even be featured in the above list. That’s why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Impact of violations and accidents on rates

In a perfect world, the ideal way to maintain cheap car insurance prices in Ohio for a Sentra is to be a cautious driver and avoid accidents and violations. The example below highlights how speeding tickets and at-fault accidents increase auto insurance rates for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

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The data charted above shows the average cost of an auto insurance policy in Ohio per year with no accidents and a clean driving record is $1,141. Factor in one speeding ticket and the average cost increases to $1,294, an increase of $153 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Sentra increases to an average of $1,722. That’s an increase of $581, or $48 per month, just for not maintaining a clean driving record!

Does State Farm, Allstate, Geico, or Progressive have the cheapest car insurance?

When buying auto insurance, probably the best companies to start with are State Farm, Allstate, Geico, and Progressive. Combined they make up almost half of all vehicles in the U.S.. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a slightly different mix of options and features that may affect your buying decision. The following table ranks some of the different options and features that you can purchase from each one.

How to find cheap insurance for a Nissan Sentra in Ohio

The list below summarizes many penny-pinching solutions that can help Ohio drivers buy lower-cost coverage.

• Save money by observing traffic laws and speed limits
• Buying home and auto together can help save money
• Being accident-free can lower rates significantly
• Safe vehicles cost less to insure
• Avoid price increases by not filing claims
• Shop around for lower rates once a year

That last tip is extremely vital, as was affirmed in this article. Prices fluctuate constantly, so don’t be hesitant to change to a new company if you can save money. Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you a small fortune. It only takes a couple minutes to shop around and find cheaper auto insurance for a Nissan Sentra.

Who has the cheapest Nissan Sentra insurance quotes?

There are many different ways to quote and buy car insurance in Ohio, but the three most common are through an independent or non-exclusive agent, an exclusive insurance agent like Allstate or Liberty Mutual, or buying direct from a company like Progressive or Geico.

Each way has the same basic process, but they differ slightly in how they price policies.

Independent insurance agencies work with multiple companies and can provide price quotes from each one. They are appointed with more than one company and can get prices from more than one company, which can help you get a better comparison. If cheaper coverage is found, it’s simple to move the policy and you don’t have to find a new agent.

An exclusive agent is only able to write business for one insurance company like a State Farm or Allstate agent. Exclusive agents generally are unable to provide rate quotes from other companies, so they have no alternatives for high prices.

The third way to buy car insurance is direct which means you skip a local insurance agent and buy direct from companies such as Geico or Progressive. This car insurance option may be good for families who have lower risk management needs and have a good understanding of the limitations of car insurance.

What is the best way for finding cheap insurance for a Nissan Sentra in Ohio? The majority of car insurance shoppers assume that buying from a direct car insurance company saves the most money because there are no middleman commissions, but unfortunately, it’s not that simple. And we’d like to say going through an independent agent can save the most money due to increased selection, but again, that’s not a true statement. In a lot of cases, exclusive agents have very competitive rates that are the lowest in Ohio.

Due to the fact that car insurance rates vary so much, really the only way to get the lowest rate is to compare lots of quotes. Smart shoppers will get quotes from all three in order to be able to find the lowest price. For a list of car insurance companies with low rates, click here to view.