How Much Does Insurance Cost for a Nissan Sentra in Michigan?

Your chances of finding the cheapest car insurance for a Nissan Sentra in Michigan is contingent on a complex calculation that is influenced by things like how far you commute, if you have a lapse in coverage, and any prior driving offenses. Michigan drivers will pay on average $1,930 a year to buy Nissan Sentra insurance, but that is a valuation assuming a 30-year-old single male driver that purchased full comprehensive and collision coverage and $1,000 deductibles.

There’s a high likelihood you aren’t exactly 30 years old or even a male, possibly married instead of single, or maybe your driving record isn’t squeaky clean. Have just a small change in the rating criteria used to formulate rates can create big changes in how much coverage for a Nissan Sentra costs.

Every driver has different characteristics, so the best method for finding affordable rates for your Nissan is to just take the time to compare rates yourself. In just a few minutes you will be able to see rates from some of the cheapest companies around.

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The trim level of your vehicle will most likely have an effect on the insurance rate, so the price you will be charged to insure a Sentra 2 model will be $250 less than the price to insure the more expensive Sentra SE-R SPEC V model, as demonstrated by the prices below.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can modify premium rates significantly.

Shopping around for cost effective insurance is difficult, and determining which companies have the lowest-priced car insurance rates for a Nissan Sentra will take even more diligence. Each insurer has a proprietary formula for setting prices, so first let’s look at the rankings for the car insurance companies with the overall cheapest rates in Michigan.

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USAA offers some of the most affordable car insurance rates in Michigan at around $978 each year. GEICO, Safeco, MetLife, and Chubb would also make the list of some of the lowest-priced Michigan auto insurance companies.

As shown above, if you are a customer of Chubb and switched to GEICO, you might see an annual savings of roughly $353. Drivers with Pioneer State Mutual may save as much as $397 a year, and MEEMIC policyholders might see rate reductions of $417 a year.

To get a quick, customized rate comparison, click here to get quotes or visit several of the following companies.

These policy rates are averages for all insureds and vehicles and do not factor in a specific rating modification for a Nissan Sentra. So the auto insurance company that has the cheapest rates for you may not even be in the rate chart shown above. That point stresses why you need to compare prices as often as possible using your own driver information and specific vehicle type.

The diagram below demonstrates how deductible levels can influence premium costs when quoting cheap insurance for a Nissan Sentra. The prices are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

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In the chart above, a 50-year-old driver could lower their policy premium by $860 a year by switching from a $100 deductible to a $500 deductible, or save $1,288 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, can save $2,886 each year just by using higher deductibles.

When using a larger deductible, it is important to have spare funds to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Full coverage rates compared to liability-only

Finding cheap insurance for a Nissan Sentra in Michigan should be important to the majority of people, and one of the fastest ways to pay less for insurance is to only pay for liability coverage. The example below compares insurance rates with full phyical damage coverage and with liability coverage only. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 8725,2427],[‘Age 30’, 4411,1321],[‘Age 40’, 4419,1223],[‘Age 50’, 4011,1143],[‘Age 60’, 3877,1123],[‘Age 70’, 4705,1509]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Michigan’,minValue: 0,format: ‘$###,###’},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 all age groups are averaged, full coverage on your policy costs $5,025 per year over liability only. At some point, almost every driver questions if physical damage coverage is worth the money. There is no clear-cut formula for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

There are a few cases where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

How to find economical car insurance for a Nissan Sentra

The list below shows some of the better penny-pinching solutions that can help Michigan drivers buy the cheapest coverage.

• Drive attentively and avoid accidents
• Good credit scores may lower your rates
• Bundle home and auto and earn a discount
• Increase your deductibles
• Try to not file small claims
• Do not get tickets or violations
• Shop your coverage around for the best deal

The last suggestion is highly necessary, as was pointed out in the article above. Car insurance rates in Michigan vary considerably, so drivers shouldn’t be reluctant to buy a policy from a new company if a lower-cost policy is available.

Having a favorite company is great, but it isn’t a good idea if it’s costing you a small fortune. Take a few minutes and compare prices and find cheaper auto insurance for a Nissan Sentra.

State Farm, Geico, Allstate, or Progressive: Who is best?

If you are looking for the best car insurance, four companies to take a look at are State Farm, Geico, Allstate, and Progressive. When added together, they insure almost 50% of all vehicles in the U.S.. They all have the same basic coverages, but each one has unique coverages that shoppers can choose from. The next table points out some of the different features that are available for customers.

Best cheap Nissan Sentra insurance quotes

There are quite a few ways to shop around for car insurance in Michigan, but the most popular are either through a captive (or exclusive) agent like Auto-Owners or State Farm, a non-exclusive or independent agent, or from a direct company like Progressive.

They all follow the same basic process, but they are slightly different in how they work.

Independent insurance agencies work with multiple companies and can do rate comparisons with each one. They are not required to write business for one company and can provide you with more rates, which may provide you with the best chance of saving money. If they quote lower rates, they simply move your policy to a different company which makes it simple for you.

An exlusive, or captive, agency is only able to give prices for just one company, examples being State Farm and Auto-Owners agents. They usually cannot compare rates from other companies, so keep that in mind.

Drivers who opt to buy car insurance direct skip an agent and instead shop direct online or over the phone from a company like Esurance or Geico. Shopping direct can be good for families who do not have a need for a risk management assessment and know the limitations of car insurance.

So which method is best for finding cheap insurance for a Nissan Sentra in Michigan? Most people assume that buying from a direct company saves money since it doesn’t require paying agent commissions, but unfortunately, that is not the case. We could also say that using an independent agent is the best way to save since they can quote with many companies, but again, it’s not necessarily true. For the right applicant, the exclusive agents have very competitive rates that are the cheapest in Michigan.

Due to the fact that car insurance rates vary so much, the one way to get the lowest rate is to get quotes and compare. Put in the effort to get quotes from all three to give yourself enough choices. A great place to start is our list of online companies offering discounts: click here to view.