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

When we talk about auto insurance, the word cheap really shouldn’t be used as a descriptor for car insurance rates. Be that as it may, cheap car insurance for a Nissan Sentra is pretty hard to find. But don’t despair, because we can show you some ways you can get insurance that fits into your budget.

The chances of buying affordable car insurance for a Nissan Sentra in Texas hinges on lots of different factors like how experienced of a driver you are, if you are currently insured, and your driving record. Texas drivers on average pay approximately $1,080 each year to buy Nissan Sentra insurance, but that amount is a projection using rating data for a 50-year-old single male driver who needs both comprehensive and collision coverage and $500 policy deductibles.

There is a really good chance that you are not 50 years old and maybe not even male, maybe you are married instead of single, or maybe you just want different deductibles. Not everyone needs the same coverages, so the most reliable way to find the cheapest insurance price for your Nissan is to just take the time to do a thorough rate comparison. It takes less than five minutes and you will receive price comparisons from the best companies that insure Nissan vehicles in Texas.

Insure Your Nissan for Less

Your vehicle’s trim level impacts the insurance rate, so the cost to insure a Sentra 2 trim level will be $174 less expensive the price to insure the higher-priced Sentra SE-R SPEC V trim level, as shown in the chart below.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific Texas garaging location which can increase or decrease auto insurance rates greatly.

Picking the top auto insurance provider is hard considering how many choices there are in Texas. The ranking information shown below can help you decide which companies you want to consider when looking for cheaper rates.

These rankings include companies that insure vehicles nationwide, so companies without a large exposure are not factored into the list. To check rates and find cheaper insurance for a Nissan Sentra, click here.

Top 10 Large Car Insurance Companies Overall in Texas

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

Top Companies for Nissan Sentra Insurance in Texas

How to get discounts on Texas car insurance

Auto insurance companies that offer cheap insurance for a Nissan Sentra in Texas may also offer price discounts that could reduce prices by 30% or more if you qualify. A list of companies and some of the discounts can be read below.

• Mercury Insurance includes discounts for location of vehicle, anti-theft, accident-free, good student, and professional/association.
• Farmers Insurance offers discounts including good student, switch companies, electronic funds transfer, business and professional, multi-car, pay in full, and homeowner.
• Farm Bureau has discounts for youthful driver, multi-policy, 55 and retired, renewal discount, and good student.
• State Farm has savings for defensive driving training, safe vehicle, accident-free, driver’s education, and good driver.
• Allstate policyholders can earn discounts including good payer, anti-theft, anti-lock brakes, new car, safe driver, and EZ pay plan discount.
• GEICO may offer discounts for seat belt use, emergency military deployment, federal employee, driver training, daytime running lights, and anti-theft.

The chart below shows the difference between auto insurance costs with and without policy discounts. The data is based on a male driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, accident-free, and multiple policy discounts applied. In this example, the average amount saved each year on car insurance for a Nissan Sentra is 28% or $695.

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Cost difference between full coverage and liability

Finding cheap insurance for a Nissan Sentra in Texas is probably important to the majority of drivers, and an effective way to pay less for insurance is to not buy comprehensive and collision coverage. The example below shows the difference between insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data assumes no claims or driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.

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Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $2,256 per year over and above liability only. Lot’s of drivers question when is it safe to stop buying full coverage. There is no set guideline to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s claim settlement value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $4,500 after you pay the deductible. If it’s costing you more than $450 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

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

When comparing car insurance, four of the best places to start are Allstate, State Farm, Progressive, and Geico. When added together, they insure 48.5% of all policies written in the United States. The table below rates price and claims rank as well as some different options that are available for policyholders.