Best Cheap Insurance Quotes for a Nissan Sentra in Kansas

Your chances of finding the best cheap auto insurance for a Nissan Sentra in Kansas is contingent on an enormous amount of factors such as your gender, if you currently have coverage, and any prior driving offenses. Kansas drivers pay an average of $920 per year to insure a Nissan Sentra, but that amount is an estimate calculated using a 50-year-old single male that includes full comprehensive and collision coverage and $250 deductibles.

The problem with using this number is the good chance you are not a 50-year-old male, married instead of single, or maybe you need higher liability limits than the state minimum. This example demonstrates why the most reliable method for finding the cheapest rates for your Nissan is to compare rates from as many companies as possible. Do a quick rate comparison now and you will receive price comparisons from some of the best companies that insure vehicles in Kansas.

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The trim level of your Nissan will influence the yearly cost, so the price to insure a Sentra 2 model will be $162 less than the insurance cost for the higher-end Sentra SE-R SPEC V version, as shown in the table below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in Kansas location which can increase or decrease rates significantly.

Finding out which company offers the cheapest car insurance rates for a Nissan Sentra requires a bit more work in order to find the most economical policy. Each insurance company has a different formula for setting prices, so let’s take a look at the lowest cost car insurance companies in Kansas.

It’s important that readers know that Kansas car insurance rates are based on many factors that control the policy premium. Simply turning a year older, buying higher coverage limits, or getting a DUI can produce rate changes that can now make some companies affordable when they were higher priced.

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USAA generally has some of the best car insurance rates in Kansas at around $773 per year. The Hartford, Auto-Owners, Allied, and Travelers would also make the list of some of the cheapest Kansas auto insurance companies.

In this example, if you are insured with Allied and switched to USAA, you could earn an annual savings of approxmiately $281. Kansas drivers with Travelers could save as much as $300 a year, and Farmers customers might realize rate reductions of up to $391 a year.

Understand that those policy prices are averaged across all insureds and vehicles and and are not calculated with a specific rating modification for a Nissan Sentra. So the auto insurance company that can offer you the best rate may not even be shown in the list of companies above. That underscores the importance of why you need to get rate quotes using your own specific driver information and vehicle.

Driving violations and accidents

The easiest method to score the most affordable car insurance prices in Kansas for a Sentra is to pay attention while driving and avoid at-fault accidents and violations. The diagram below demonstrates how citations and at-fault fender-benders can influence yearly insurance costs for different categories of driver ages. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

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 Two Accidents’],[‘Age 20’, 2399,2617,4527],[‘Age 30’, 1635,1855,3763],[‘Age 40’, 1525,1745,3653],[‘Age 50’, 1331,1553,3459],[‘Age 60’, 1289,1507,3417],[‘Age 70’, 1515,1733,3643]]);var options = {title: ‘Effect of Tickets and Claims on Kansas 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 Kansas’,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 chart, the average cost of car insurance in Kansas per year with no accidents and a clean driving record is $1,616. Get one speeding ticket and the average cost rises to $1,835, an increase of $219 each year. Then include two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Sentra goes up to an average of $3,744. That’s an increase of $2,128, or $177 per month, just for being a little careless behind the wheel!

Discount Kansas insurance rates

Auto insurance companies that provide the best cheap insurance for a Nissan Sentra in Kansas may provide policy discounts that can reduce rates by 25% or more if you meet the requirements. A list of car insurance companies and some of their more popular discounts are:

• GEICO has savings for military active duty, seat belt use, emergency military deployment, multi-vehicle, and anti-theft.
• USAA includes discounts for driver training, multi-policy, defensive driver, military installation, multi-vehicle, and good student.
• Progressive has discounts for multi-vehicle, homeowner, good student, online quote discount, multi-policy, continuous coverage, and online signing.
• American Family discounts include air bags, early bird, good student, TimeAway discount, and Steer into Savings.
• Esurance policyholders can earn discounts including online shopper, paid-in-full, anti-lock brakes, Pac-12 alumni, and defensive driver.
• Farmers Insurance may offer discounts for distant student, business and professional, homeowner, multi-car, and electronic funds transfer.
• State Farm offers premium reductions for accident-free, passive restraint, good driver, driver’s education, good student, Steer Clear safe driver discount, and multiple autos.

The chart below shows the difference between insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Kansas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, safe-driver, marriage, defensive driving course, accident-free, and claim-free discounts applied. When discounts are factored in, the average amount saved each year on car insurance for a Nissan Sentra is 28% or $493.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2635,1897],[‘Age 30’, 1803,1303],[‘Age 40’, 1675,1213],[‘Age 50’, 1465,1061],[‘Age 60’, 1419,1027],[‘Age 70’, 1663,1201]]);var options = {title: ‘Comparison of 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 Kansas’,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);}

Best cheap Nissan Sentra insurance quotes

You have many ways to comparison shop for car insurance in Kansas, but the most prevalent ways are using an exclusive insurance agent such as Allstate or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Geico. You can use whichever you prefer, but it’s important to point out the distinctions in how they give price quotes.

Independent insurance agents write business for many companies and can get rate quotes from all of them. These agents are not employed by one specific company and can provide you with more rates, which may provide you with the best chance of saving money. If they find a lower price, they simply move your policy to a different company and you don’t have to do anything.

An exlusive, or captive, agency is restricted to just one company, examples being an Auto-Owners or Allstate agent. They are unable to provide multiple price quotes, so you might not find the best rates.

Consumers who buy car insurance direct skip local agents and instead buy direct either online or via phone. This option may be preferred by families who do not have complex finances and know how their policy works.

Which method is best to buy the best cheap insurance for a Nissan Sentra in Kansas? We would first guess that buying direct yields the cheapest rates because there is no agent involved, but unfortunately, that is not the case. A valid argument could also be made that an independent agent is the best way to save since they can quote with many companies, but that assumption is not true either. In the right set of circumstances, exclusive agencies may have very competitive prices that are the cheapest.

Because of the variability of car insurance rates, the only true way to ensure you are not overpaying is to compare, compare, and compare some more. Experts recommend getting price quotes from all three to have a good selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.

How to find the best cheap insurance for a Nissan Sentra in Kansas

It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help Kansas drivers locate more affordable auto insurance.

• Vehicles with safetly features generally cost less to insure
• Pay for small claims rather than turning them in to your insurance company
• Be a cautious driver
• On older vehicles, drop full coverage
• At-fault accidents will increase rates
• Home or renters coverage can save on auto insurance
• Shop around once a year for cheaper rates

The last tip in the list is extremely significant, as was stressed in this article. Prices charged by companies change constantly, so don’t hesitate to switch carriers if you can find a cheaper rate. Having brand loyalty is commendable, but it’s not recommended if that loyalty ends up costing a small fortune year after year. It takes less than five minutes to shop around and find cheaper car insurance for a Nissan Sentra.

Is Geico, Allstate, Progressive, or State Farm cheaper?

If you are shopping around for insurance for a Sentra in Kansas, some of the first companies to look at are Geico, Allstate, Progressive, and State Farm. The table below illustrates price, claims, and customer service ratings, as well as some optional coverages that are available from each company.