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

Our editors keep telling us that when writing about auto insurance, the words “cheap” or “affordable” should never be used as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Nissan Sentra can seem impossible to find. Don’t let that get you down, though, because there may be ways you can still get auto insurance that is cheaper than your current rate.

Your odds of finding affordable coverage for a Nissan Sentra in Nevada hinges on a lot of rating criteria like if you are married or single, your address, and any prior driving offenses. Nevada drivers on average pay approximately $960 per year for Sentra insurance, but that price is calculated based on a 40-year-old single male that includes comprehensive and collision coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even male, possibly married instead of single, or possibly you just want cheap liability coverage. Having different needs demonstrates why the most reliable method for finding cheap insurance prices for your Nissan is to compare rates from as many companies as possible. In less than five minutes you will receive rate quotes from the best auto insurance companies that insure vehicles in Nevada.

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The trim level of your Sentra will most likely have an effect on the cost of insurance, so the price you pay to insure a Sentra 2 model will be $156 less expensive the insurance cost for the higher-priced Sentra SE-R SPEC V model, as demonstrated by the prices below.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in your specific Nevada location which can raise or lower price quotes greatly.

Deciding which companies quote the lowest-priced car insurance rates for a Nissan Sentra may require a little more effort in order to find the best policy. Each insurance company has a unique formula for determining rates, so to begin we’ll rank the car insurance companies with the most affordable rates in Nevada.

It’s important that you understand Nevada car insurance rates are calculated based on many things that can increase the cost of a policy. Simply having another birthday, increasing liability limits, or getting a few speeding tickets may prompt premium changes resulting in some rates now being cheaper in comparison to the competition.

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Travelers may offer some of the best car insurance rates in Nevada at around $930 each year. Allied, Capital, Progressive, and Oregon Mutual are also some of the more affordable Nevada auto insurance companies.

As the rates illustrate above, if you currently have coverage with Allied and switched to Travelers, you could earn annual savings of in the vicinity of $9. Drivers with Capital may save as much as $48 a year, and Progressive customers might reduce prices by as much as $260 a year.

To find out how your current rates compare, click here to get a free quote or visit any of the low-priced companies below.

It’s important to note that these policy rates are averaged for all types of insureds and vehicles and and are not calculated with a specific rate factor for a Nissan Sentra. So the auto insurance company that can offer the best rates for your situation may not even be in the rate chart shown above. That is why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Discounts on Nevada insurance

Car insurance companies that offer cheap insurance for a Nissan Sentra in Nevada could also offer special discounts that may potentially lower prices by 30% or more if you meet specific criteria. Popular car insurance companies and a summarized list of policyholder discounts are included below.

• Mercury Insurance policyholders can earn discounts including location of vehicle, anti-theft, multi-car, type of vehicle, and annual mileage.
• Farmers Insurance offers discounts including multi-car, distant student, switch companies, early shopping, bundle discounts, youthful driver, and alternative fuel.
• Farm Bureau has savings for 55 and retired, good student, multi-policy, safe driver, multi-vehicle, driver training, and renewal discount.
• State Farm may include discounts for student away at school, driver’s education, Steer Clear safe driver discount, multiple policy, good driver, passive restraint, and defensive driving training.
• Allstate offers premium reductions for anti-lock brakes, utility vehicle, safe driver, defensive driver, and FullPay discount.
• GEICO discounts include seat belt use, federal employee, air bags, driver training, defensive driver, multi-policy, and five-year accident-free.

The illustration below compares insurance costs with and without discounts applied to the premium. The rates are based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, accident-free, anti-theft, defensive driving course, passive restraint, and homeowner discounts applied. With discounts applied, the average amount saved each year on car insurance for a Nissan Sentra is 28% or $424.

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The information below demonstrates how deductible levels can change insurance premiums when researching cheap insurance for a Nissan Sentra. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

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The data above shows that a 40-year-old driver could lower their car insurance rates by $284 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $426 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates as much as $724 or even more by using a higher deductible. When choosing a higher deductible, it will be required to have emergency funds available to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Best cheap Nissan Sentra insurance quotes

Thanks to the internet, there are a lot of ways to find affordable car insurance in Nevada, but the most frequently used are through an exclusive insurance agency such as State Farm or Allstate, an independent agent, or direct from companies such as Progressive or Geico. You can use whichever method you prefer, but it’s good to know the differences in how they provide rate quotes.

Independent insurance agencies work for many companies and can compare rates with all of them. These types of agents can quote with many companies and provide you with more rates, which may provide you with a better chance of saving money. If a cheaper price is found, the agent simply finds a different carrier and the insured can keep the same agent.

Exclusive agencies are contracted to one company, two of the more popular are an Auto-Owners or Allstate agent. Exclusive agents cannot quote prices from more than a single company, so you will not be able to compare their rates to other companies.

Direct car insurance buyers do not use a local insurance agent and instead shop from a direct company like Progressive or Esurance. Shopping for car insurance direct can be good for families who do not need high levels of coverage and understand what coverages, limits, and deductibles they need.

Which way works best to find cheap insurance for a Nissan Sentra in Nevada? It would be obvious to point out buying direct saves money since there isn’t an agent involved, but unfortunately, it’s not that simple. We could also say that buying from an independent agent is the best way to save since they have access to many companies, but again, that’s not accurate. In a lot of cases, exclusive agencies have very competitive rates that are the cheapest in Nevada.

Since car insurance prices are based on many different factors, the one way to buy the cheapest coverage is to compare lots of quotes. The best approach is to get quotes from all three types to have enough rates to compare. For a list of companies with some of the cheapest Nevada car insurance rates, click here to view.

Find cheap insurance for a Nissan Sentra in Nevada

The list below details some of the better money-saving ideas that can help Nevada drivers locate cheaper car insurance.

• Higher credit scores can equal lower rates
• Drive attentively and avoid accidents
• Earn discounts for being claim-free
• Buying home and auto together can help save money
• Increase the comprehensive and collision deductibles on your policy
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Check for cheaper rates once a year

The last suggestion is certainly crucial, as we hit on in the prior information. Prices charged by companies can be changed at any time, so drivers shouldn’t hesitate to switch to a new company if a cheaper price is available. Loyalty to a specific company is fine, but it’s not a great idea if it’s costing you a lot of money. In just a few minutes you could compare prices to find cheaper insurance for a Nissan Sentra.

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

If you’re looking for the best insurance for a Sentra in Nevada, four of the best places to start are State Farm, Geico, Progressive, and Allstate. The next table compares some of the different features that may be available in your state.