How Much is Insurance for a Nissan Sentra in Delaware?

Our editors have a joke that when writing about car insurance, the word “cheap” really shouldn’t be used as a descriptor for car insurance rates. The fact is, cheap auto insurance for a Nissan Sentra is not always easy to find. But fear not, because we will tell you how you can find and buy insurance that is more budget-friendly.

Finding cheap insurance for a Nissan Sentra in Delaware hinges on a fairly complex equation with a lot of factors such as when you were born, where you live, and whether or not you are a good driver. Drivers in Delaware pay on average $840 per year to buy Nissan Sentra insurance, but that policy rate is a valuation calculated based on a 50-year-old married female with full coverage and $1,000 policy deductibles.

Chances are good that you’re not a 50-year-old female, possibly single instead of married, and maybe you want different deductibles. Each driver’s needs are different, and that demonstrates why the most reliable way to find the cheapest coverage for your Nissan is to comparison shop your policy at each renewal. Quotes are always free and you can get rates from top-rated companies that offer coverage in Delaware.

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The specific model of Sentra will have an impact the cost of insurance, so the price you pay to insure a Sentra 2 model will be $118 less than the price to insure the fancier Sentra SE-R SPEC V model, as demonstrated by the prices below.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in garaging location in Delaware which can change prices considerably.

Finding a high-quality company can be difficult considering how many different companies there are to choose from in Delaware. The company ratings in the lists below can help you decide which providers you want to consider when trying to find the cheapest insurance for a Nissan Sentra. These rankings are only comprised of major nationwide insurance companies, so companies without a large exposure are not factored into this list.

Top 10 Large Auto Insurers in Delaware Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Large Auto Insurers Overall in Delaware

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Nissan Sentra Insurance in Delaware

Discounts on Delaware auto insurance rates

Insurers that offer cheap insurance for a Nissan Sentra in Delaware could also offer price discounts that could potentially reduce rates by 30% or more if you meet specific criteria. A list of auto insurance companies and some of the discounts include:

• Farm Bureau offers discounts including renewal discount, youthful driver, safe driver, good student, driver training, 55 and retired, and multi-policy.
• MetLife includes discounts for claim-free, good driver, multi-policy, accident-free, good student, defensive driver
• Progressive offers discounts for online signing, online quote discount, continuous coverage, multi-vehicle, and homeowner.
• AAA offers premium reductions for AAA membership discount, anti-theft, multi-car, multi-policy, pay-in-full, education and occupation, and good student.
• American Family may include discounts for TimeAway discount, air bags, good student, defensive driver, early bird, Steer into Savings, and good driver.
• GEICO may offer discounts for air bags, membership and employees, daytime running lights, driver training, federal employee, and emergency military deployment.
• State Farm has discounts for student away at school, defensive driving training, safe vehicle, multiple policy, good driver, Steer Clear safe driver discount, and Drive Safe & Save.

The diagram below illustrates the comparison of premium costs with and without discounts applied to the policy rates. The information is based on a female driver, no violations or claims, Delaware state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, vehicle safety, claim-free, multiple policy, anti-theft, and homeowner discounts applied. When these discounts are applied to the policy premium, the the average amount saved on auto insurance for a Nissan Sentra is 28% or $556.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2983,2137],[‘Age 30’, 1991,1439],[‘Age 40’, 1867,1347],[‘Age 50’, 1631,1179],[‘Age 60’, 1581,1141],[‘Age 70’, 1877,1349]]);var options = {title: ‘Effect of Discounts on Insurance Rates 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: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Delaware’,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);}

The benefit of shopping around

Delaware auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Simply having a birthday, having a teenage driver, or getting a speeding ticket can trigger price changes that may make certain companies cheaper than competitors.

Not only may your situation change, but insurers file new Delaware auto insurance rates as needed in order to remain profitable. A period of increased losses can cause higher prices, while less frequent claims may produce lower-priced Sentra insurance rates.

To help illustrate this point, the graph below shows the company with the cheapest car insurance in Delaware for a 45-year-old female driver with no prior accidents, a clean driving record, and good financial standing. When comparing rates based on her current situation, USAA may offer the most affordable car insurance rates in Delaware at $840 each year. This is $1,165 less than the average premium paid by Delaware drivers of $2,005. Travelers, Nationwide, Atlantic States, and Titan are the rest of the best Delaware auto insurance companies.

google.charts.setOnLoadCallback(drawDEWitcqcibChart);function drawDEWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 840, ‘#09836F’],[‘Travelers’, 1052, ‘#076D5C’],[‘Nationwide’, 1254, ‘#055A4C’],[‘Atlantic States’, 1279, ‘#044B3F’],[‘Titan’, 1331, ‘#033E34’]]);var options = {title: ‘Best Car Insurance Rates for a Nissan Sentra’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1431,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In this next rate comparison, we will give the driver from above an accident surcharge, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a unique approach for setting prices, analyzing rate quotes may now show a significantly different list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawDEWcqcibChart);function drawDEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1578, ‘#C75000’],[‘Donegal Mutual’, 1664.3, ‘#A54200’],[‘National Grange Mutual’, 1668.7, ‘#893700’],[‘GEICO’, 1702.8, ‘#722D00’],[‘USAA’, 1760, ‘#5F2500’]]);var options = {title: ‘Best Rates with Accidents and Violations’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1860,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Travelers now has the lowest price in Delaware with Donegal Mutual, National Grange Mutual, GEICO, and USAA also having competitive pricing. This example proves why it is important to compare lots of rates to get the cheapest insurance quotes for a Nissan Sentra.

Auto insurance prices are determined by many different factors and can change without notice, so the cheapest option when you bought your policy may now be quite expensive.

How to find cheap insurance for a Nissan Sentra in Delaware

The list below shows many penny-pinching solutions that can help drivers buy cheap car insurance.

• Safer vehicles generally have cheaper insurance rates
• Do not insure for full coverage
• Home or renters coverage can save on auto insurance
• Pay cheaper rates with good credit scores
• Avoid having at-fault accidents
• Shop around for cheaper prices often

The last suggestion is especially critical, as we emphasized in this write-up. Rates in Delaware adjust frequently, so don’t hesitate to buy from a different company if you find a better deal. Loyalty to a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you potentially thousands of dollars a year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Nissan Sentra.