Best Cheap Insurance Quotes for a Nissan Sentra in Washington

When writing about auto insurance, the words “affordable” or “cheap” really should not be used anywhere in the article as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Nissan Sentra can seem impossible to find. Don’t let that ruin your day, because we will tell you how you can find and buy car insurance that is cheaper than your current policy.

The chances of finding cheaper car insurance for a Nissan Sentra in Washington is contingent on a complicated equation that takes into consideration things such as your gender, whether or not you have had gaps between policies, and if you have a clean driving record. Washington drivers will pay around $800 annually for Sentra insurance, but that amount is an estimate using rate data for a 30-year-old married male that wants full comprehensive and collision coverage and $500 deductibles.

There is a high probability that you are not 30 and possibly not even male, maybe you are single instead of married, and there is a good chance that other rated drivers impact the rate. Just a very minor change in rating factors or requested coverage amount can cause big differences in how much insurance for a Nissan Sentra costs.

Every driver has a different risk profile, so your best shot at finding the cheapest insurance price for your Nissan is to compare as many rates as possible. To cut your rates now, get a free quote and you will get price quotes from some of the best companies around.

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The specific trim level will likely have an effect on the insurance rate, so the rate you pay to insure a Sentra 2 model will be $134 less expensive the insurance cost for the more well-appointed Sentra SE-R SPEC V trim level, as demonstrated by the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in vehicle location which can raise or lower premium rates greatly.

Deciphering which companies offer the cheapest auto insurance rates for a Nissan Sentra will involve a little more effort in order to find the lowest price quote. Every insurance provider has a unique formula to establish rates, so let’s examine the most competitive auto insurance companies in Washington.

It’s important that readers know that Washington auto insurance rates are calculated based on many things that may substantially change the price you pay. Turning one year older, having a claim, or getting a speeding ticket can cause premium changes that can make some companies cheaper in comparison to the competition.

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Capital normally has some of the most affordable car insurance rates in Washington at around $761 per year. Grange, Nationwide, PEMCO, and Mutual Enumclaw also rank well as some of the more affordable Washington auto insurance companies.

As the example above demonstrates, if you currently have a policy with PEMCO and switched to Grange, you might realize yearly savings of around $157. Drivers with Mutual Enumclaw may save as much as $176 a year, and Travelers insureds might lower prices by $181 a year.

Bear in mind that those prices are averages for all insureds and vehicles and are not factoring in a specific rate value for a Nissan Sentra. So the auto insurance company that is best for you may not even be included in the list of companies above. That is why you need to get auto insurance quotes using your own personal information and vehicle type.

Impact of citations and accidents on insurance rates

A great way to receive the best cheap insurance for a Nissan Sentra in Washington is to be an attentive driver and not get tickets or have accidents. The diagram below demonstrates how citations and at-fault accidents influence car insurance costs for each age group. Data assumes a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

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The data above shows the average cost of auto insurance in Washington per year with a clean driving record and no accidents is $1,453. Factor in two speeding tickets and the average cost swells to $1,938, an increase of $485 each year. Then add in one accident along with the two speeding tickets and the annual cost of auto insurance for a Nissan Sentra goes up to an average of $2,443. That’s an increase of $990, or $83 per month, just for not being a responsible driver!

Ideas for buying economical car insurance for a Nissan Sentra

It’s not impossible to find cheaper rates, and here are some thrifty suggestions that can help you locate low-cost car insurance.

• Higher comprehensive and collision coverage deductibles will save money
• Better credit scores save money
• Avoid accidents and claims
• Drive safe vehicles
• Avoid getting citations and tickets
• Compare rates often to find the best deal

That last tip is extraordinarily important, as we stressed in the prior article. Coverage rates in Washington can change significantly in a year, so don’t be afraid to change to a new company if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if it’s costing you several hundred dollars every year. In just a couple of minutes you could compare rates and find cheaper auto insurance for a Nissan Sentra.