Best Cheap Insurance Quotes for a Nissan Sentra in New Hampshire

Our editors have a joke that when writing about auto insurance, the word cheap should never appear anywhere in the article. Forgive the oxymoron, but cheap auto insurance for a Nissan Sentra is not easy to find. Don’t let that ruin your day, because we will tell you how you can still get auto insurance that you are able to afford.

Finding cheaper car insurance for a Nissan Sentra in New Hampshire is dependent upon a complicated formula that considers factors such as annual miles driven, if you have a lapse in coverage, and if your driving record is clean. New Hampshire drivers on average will pay $920 annually to buy Nissan Sentra insurance, but that cost is an approximation using a 30-year-old single male driver that wants comprehensive and collision coverage and $100 deductibles.

Chances are good that you are not a 30-year-old male, possibly married instead of single, or possibly you just want cheap liability coverage. Making even small differences in rating criteria can create big changes in how much coverage for a Nissan Sentra costs.

Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap auto insurance rates for your Nissan is to put in the effort and compare rates.

Cheapest Nissan Sentra Insurance Rates

Your vehicle’s trim level tends to have a direct impact on the yearly cost, so the price you will be charged to insure a Sentra 2 will be $162 less than the cost to insure the more expensive Sentra SE-R SPEC V trim level, as shown in the prices below.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific location information which can influence premium rates significantly.

Determining which company offers the lowest-priced car insurance rates for a Nissan Sentra will involve a little more sweat in order to find coverage that fits your buget. Each insurance company has a proprietary method for determining rates in each state, so let’s take a look at the car insurance companies with the overall cheapest rates in New Hampshire.

Find the Cheapest Auto Insurance for Your Sentra

Compare Rates and Save

Concord has some of the cheapest car insurance rates in New Hampshire at around $705 annually. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the more affordable New Hampshire car insurance companies.

As illustrated above, if you currently have coverage with Vermont Mutual and switched to Travelers, you may realize savings of in the vicinity of $157. Customers with Amica may save as much as $191 a year, and Progressive insureds might lower prices by $327 a year.

Be aware that those prices are averaged for all types of insureds and vehicles and and are not calculated with a specific rating modification for a Nissan Sentra. So the insurer that fits your situation best may not even be featured in the list of companies shown earlier. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.

Get discount New Hampshire auto insurance

Car insurance companies that sell the best cheap insurance for a Nissan Sentra in New Hampshire may also give you policy discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. A list of companies and some of their more popular discounts are shown below.

• GEICO offers discounts including anti-theft, membership and employees, seat belt use, defensive driver, military active duty, and five-year accident-free.
• Travelers offers premium reductions for continuous insurance, multi-policy, good student, home ownership, and save driver.
• Nationwide offers discounts for family plan, accident-free, business or organization, good student, defensive driving, easy pay, and anti-theft.
• Farmers Insurance policyholders can earn discounts including bundle discounts, pay in full, multi-car, good student, homeowner, and alternative fuel.
• Esurance may include discounts for claim free, homeowner, multi-car, online shopper, paid-in-full, and good driver.
• State Farm includes discounts for multiple autos, accident-free, good driver, Steer Clear safe driver discount, multiple policy, and defensive driving training.
• Progressive discounts include continuous coverage, homeowner, multi-policy, online signing, online quote discount, good student, and multi-vehicle.
• Mercury Insurance may offer discounts for anti-theft, good driver, multi-car, location of vehicle, type of vehicle, ease of repair, and low natural disaster claims.

The illustration below shows the comparison of car insurance rates with and without discounts applied to the policy premium. The premiums are based on a female driver, no violations or accidents, New Hampshire state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, vehicle safety, marriage, homeowner, passive restraint, and claim-free discounts applied. When taking advantage of discounts, the average savings per year on car insurance for a Nissan Sentra is 28% or $327.

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Rate increases following a ticket or accident

A great way to get low car insurance prices for a Sentra is to be a careful driver and have a clean driving record. The chart below highlights how speeding tickets and accidents can raise insurance costs for different ages of insureds. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1911,2483,4471],[‘Age 30’, 1341,1915,3903],[‘Age 40’, 1329,1901,3887],[‘Age 50’, 1163,1735,3721],[‘Age 60’, 1109,1681,3665],[‘Age 70’, 1197,1771,3755]]);var options = {title: ‘Effect of Tickets and Accidents on New Hampshire 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 New Hampshire’,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);}

The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,342. Add in two speeding tickets and the average cost hikes up to $1,914, an increase of $573 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Nissan Sentra increases to an average of $3,900. That’s an increase of $2,559, or $213 per month, just for not being more responsible behind the wheel!

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

If you want reliable auto insurance, the top insurers to get price quotes from are Allstate, State Farm, Progressive, and Geico. When combined, they make up almost half of the entire U.S. car insurance market. They all offer different features and discounts that may influence your buying decision. The following table illustrates some of the different features that are available for buyers.