Best Cheap Insurance for a Nissan Sentra in Arizona

Your chances of buying cheaper car insurance for a Nissan Sentra in Arizona relies on a complex rating formula that takes into consideration things like age of the driver, your geographic location, and your choice of deductibles. Drivers in Arizona pay an average rate of $1,170 every 12 months to insure a Nissan Sentra, but that figure is an estimation assuming a 40-year-old single male who requires comprehensive and collision coverage and $100 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not 40 and maybe not even a male, possibly married instead of single, or maybe you had a chargeable driving offense. What seems to be a minor change in the rating criteria used to formulate rates can lead to a significant difference in the cost of insurance.

This shows why the best way to quote cheap car insurance rates for your Nissan is to get into the habit of shopping around regularly. It only takes a couple of minutes and you will receive price comparisons from top-rated companies available.

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The specific trim level impacts the insurance rate, so the rate you will pay to insure a Sentra 2 model will be $222 lower than the price to insure the more costly Sentra SE-R SPEC V trim level, as shown in the chart below.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific Arizona garaging location which can raise or lower coverage prices greatly.

Comparing rates for affordable auto insurance is easier said than done, and determining which company offers the best insurance rates for a Nissan Sentra will require even more perseverance.

Each insurer has their own unique process to determine premium rates, so we’ll go over the lowest cost insurance companies in Arizona. It’s important to understand that Arizona insurance rates are calculated based on many things that can increase your annual premium. Events like a birthday, buying a home instead of renting, or getting a couple of tickets may generate price changes resulting in some rates now being more expensive than competitors.

Best Cheap Insurance Rates for Your Sentra

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google.charts.setOnLoadCallback(drawAZT5qcibChart);function drawAZT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 820, ‘#F07050’], [‘Auto-Owners’, 897, ‘#C85D42’], [‘Safeco’, 923, ‘#A64D37’], [‘USAA’, 1080, ‘#8A402D’], [‘Travelers’, 1119, ‘#733525’]]);var options = {title: ‘Top Five Low-Priced Car Insurance Companies in Arizona’,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:1219,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(‘qcibt5cic’));chart.draw(view, options);}

The Hartford generally has some of the lowest car insurance rates in Arizona at around $820 per year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the most economical Arizona insurance companies.

In the above example, if you have coverage with Safeco and switched to The Hartford, you might achieve annual savings of about $103. Drivers with USAA could save as much as $260 a year, and Travelers policyholders might reduce rates by $299 a year.

If you want to see how much you could save, click here to start a quote or quote rates from the companies below.

It’s important to note that these premium estimates are averages across all insureds and vehicles and are not factoring in a specific rating modification for a Nissan Sentra. So the company that has the lowest price for you may not even be featured in the above list. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Difference between full coverage and liability only rates

Finding the best cheap insurance for a Nissan Sentra in Arizona should be important to the majority of people, and an effective way to pay lower rates for insurance is to not buy full coverage. The illustration below shows the difference between auto insurance costs when comparing full coverage to liability only. The premiums assume no claims or driving citations, $500 deductibles, marital status is single, and no additional discounts are factored in.

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As an average for all age groups, full coverage on your policy costs an extra $1,780 per year more than buying just liability insurance. That amount may make you wonder if buying full coverage is worth the money. There is no exact rule of when to phase out full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

Violations and accidents raise rates

A great way to score good insurance rates in Arizona for a Sentra is to be a safe driver and avoid accidents and violations. The illustration below illustrates how traffic citations and at-fault accidents can impact yearly insurance costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

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 One Accident’],[‘Age 20’, 2193,2449,3169],[‘Age 30’, 1533,1787,2509],[‘Age 40’, 1519,1771,2495],[‘Age 50’, 1331,1585,2307],[‘Age 60’, 1269,1519,2241],[‘Age 70’, 1375,1627,2347]]);var options = {title: ‘Effect of Violations and Accidents on Arizona 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 Arizona’,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 previous example, the average cost of an auto insurance policy in Arizona per year with no accidents or violations is $1,537. Get one speeding ticket and the average cost hikes up to $1,790, an increase of $253 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for a Nissan Sentra goes up to an average of $2,511. That’s an increase of $975, or $81 per month, just for not being more responsible behind the wheel!

Cheap Nissan Sentra insurance quotes

There are a variety of different ways to compare cheaper insurance rates in Arizona, but the most frequently used methods are from an independent agent, an exclusive insurance agency such as State Farm or Liberty Mutual, or buying direct from a company like Progressive or Geico.

They all follow the same basic process, but insurance shoppers should know the differences in how they give price quotes.

Independent agencies write business for many companies and can get rate quotes from all of them. These types of agencies have the option to compare multiple rates, which can give you more bang for your buck. If you are not satisfied with one company, the agent simply finds a different carrier which requires no work on your part.

An agent who is captive is only able to quote rates from a single company, two popular examples being Allstate and Liberty Mutual agents. These guys and gals cannot provide rate quotes from other companies, so you might not find the best rates.

If you buy direct, you skip an independent or exclusive agent and instead shop buying direct from a company like Progressive or Geico. This insurance option may be the best choice families who do not need complex risk management and know the limitations of their policy.

So which method is best for finding the best cheap insurance for a Nissan Sentra in Arizona? It would be obvious to point out buying from a direct car insurance company saves the most money since there isn’t an agent involved, but unfortunately, that is not the case. We could also say that buying from an independent agent is the best way to save due to increased selection, but that’s not always true, either. For the right applicant, exclusive agencies have coverage prices that cannot be beaten by either independent or direct companies.

Since insurance prices are based on many different factors, really the only way to ensure you are not overpaying for insurance is to compare, compare, and compare some more. We recommend you get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of companies offering online discounts in Arizona, click here to view.

How to find cheaper auto insurance for a Nissan Sentra

It is possible to find better rates, and here are a few thrifty solutions that can help Arizona drivers get low-cost auto insurance.

• Good credit scores may lower your rates
• Violations and traffic tickets increase rates
• Drive vehicles with five-star safety ratings
• Drop full coverage on older vehicles
• Do not get into accidents that are your fault
• Higher deductibles save money
• Compare rate quotes frequently

The last suggestion is particularly valuable, as we hit on in the article above. Coverage rates in Arizona change frequently, so drivers shouldn’t hesitate to buy from a different company if a lower price can be found.

Staying with the same company for years is fine, but is isn’t recommended if that devotedness results in you overpaying a wad of cash every year. Take a couple minutes and compare prices and find cheaper auto insurance for a Nissan Sentra.