Cheapest Insurance for a Nissan Sentra in Vermont

The odds of finding cheap car insurance for a Nissan Sentra in Vermont depends upon a lot of things like if you are married or single, your current insurance company, and if you had any at-fault accidents in the last few years. Vermont drivers pay an average of $490 each year for Sentra insurance, but that policy rate is a projection based on rate data for a 50-year-old married female driver that purchased full coverage including both comprehensive and collision and $1,000 policy deductibles.

That rate won’t apply to everyone, because more than likely you’re not a 50-year-old female, you might be single instead of married, and you probably do not live in the same zip code as the example. Every driver’s needs are different, and that is why the way we recommend to find the cheapest rates for your Nissan is to put in the effort to do a thorough rate comparison.

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The specific model of Sentra tends to have a direct effect on the insurance rate, so the cost to insure a Sentra 2 model will be $70 cheaper than the insurance cost for the fancier Sentra SE-R SPEC V version, as shown below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific location information which can alter auto insurance rates greatly.

Vermont auto insurance companies ranked

Choosing a highly-rated car insurance provider can be a challenge considering how many different companies sell coverage in Vermont. The company information listed below may help you analyze which insurers you want to consider when trying to find cheaper insurance for a Nissan Sentra.

These ratings are for companies with a nationwide focus, so companies that may only write in Vermont are not included in these rankings. To get rate quotes from many more Vermont auto insurance companies, simply click here.

Liability only or full coverage

Finding the cheapest insurance for a Nissan Sentra in Vermont is the goal of the majority of vehicle owners, and one great way to find cheap insurance is to not insure for full coverage. The information below visualizes the comparison of insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Vermont. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2735,851],[‘Age 30’, 1407,471],[‘Age 40’, 1399,437],[‘Age 50’, 1271,409],[‘Age 60’, 1231,403],[‘Age 70’, 1499,537]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Vermont’,minValue: 0,format: ‘$###,###’},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 $1,590 per year over and above liability coverage. That touches on the question if full coverage is worth the money. There is no set rule to delete comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying over $200 a year to have full coverage, then you might consider buying liability only.

There are some conditions where dropping full coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Auto insurance rates are higher with tickets and accidents

One of the best ways to maintain low auto insurance rates in Vermont for a Sentra is to be a good driver and avoid getting tickets or having accidents. The diagram below highlights how traffic violations and fender-benders can increase premium costs for different age categories. The premiums are based on a married female driver, full coverage, $250 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 Two Accidents’],[‘Age 20’, 1743,1943,3643],[‘Age 30’, 1221,1421,3121],[‘Age 40’, 1211,1409,3107],[‘Age 50’, 1061,1259,2959],[‘Age 60’, 1011,1211,2911],[‘Age 70’, 1091,1291,2993]]);var options = {title: ‘Effect of Citations and Accidents on Vermont 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 Vermont’,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 example above, the average cost of an auto insurance policy in Vermont per year with no violations or accidents is $1,223. Receive one speeding ticket and the average cost swells to $1,422, an increase of $199 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Nissan Sentra jumps again to an average of $3,122. That’s an increase of $1,899, or $158 per month, just for a couple of infractions!

Who has the cheapest Nissan Sentra insurance quotes?

There are a variety of different ways to get cheap auto insurance quotes in Vermont, but the most prevalent ways are from an exclusive insurance agency like Allstate or Auto-Owners, an independent insurance agent, or direct either online or via phone. All three ways can provide auto insurance quotes, but they differ in how they provide rate quotes.

Independent agents are appointed by several companies and can compare rates with all of them. These types of agents are not limited to a single company and can get prices from more than one company, which can give you improved chances of finding a lower rate. If you are not satisfied with one company, it’s easy for the agent to move the policy and you don’t have to switch agencies.

An exclusive ageny is only able to write with a single insurance company, two popular examples being a State Farm or Liberty Mutual agent. They usually cannot provide rate quotes from other companies, so unless you get quotes from other companies, you cannot determine which is cheapest.

Buying direct means you forego the middleman (the agent) and buy from a direct company like Geico or Progressive. Shopping direct can be a good choice for consumers who do not have a need for a risk management assessment and have a good understanding of the exclusions of a policy.

Which method works best to find the cheapest insurance for a Nissan Sentra in Vermont? One answer would be buying from a direct car insurance company saves money since that prevents the need to pay agent commissions, but unfortunately, it’s not that cut and dried. We’d also like to say buying auto insurance from an independent agent guarantees the lowest rates since they have access to many companies, but again, it’s not a sure thing. In many cases, exclusive agencies have price quotes that cannot be met by either independent or direct companies.

Since auto insurance rates vary so much, the only real way to not overpay for auto insurance is to compare rate quotes from as many companies as possible. Set aside the time to get rate quotes from independent agents, exclusive agents, and direct companies to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.