The easiest way to get cheaper Nissan Sentra insurance is to compare prices at least once a year from insurers that sell auto insurance in Chandler. You can compare rates by completing these steps.
Step 1: Try to understand what is in your policy and the changes you can make to prevent expensive coverage. Many things that cause high rates such as traffic violations, accidents, and your credit history can be controlled by being financially responsible and driving safely.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive and State Farm, while agents who are independent can provide prices from multiple sources.
Step 3: Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
Step 4: Provide notification to your current agent or company of your decision to cancel your current car insurance policy and submit payment and a signed application to the new company. Immediately safely store the certificate of insurance in an easily accessible location.
The critical component of shopping around is to make sure you enter the same amount of coverage on each quote request and to quote with as many different companies as possible. This enables a fair price comparison and maximum price selection.
Unthinkable but true, almost 70% of insureds have remained with the same insurance company for at least the last four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Arizona insurance shoppers can cut their rates by almost $700 a year by just comparing quotes, but they just don’t understand how easy it is to find cheaper insurance by shopping around.
Finding cheaper Chandler car insurance quotes is a fairly straight forward process. All you need to do is take time to compare rate quotes to see which company has affordable Nissan Sentra insurance quotes.
It’s so fast and easy to compare quotes online that it makes it a waste of time to spend your day driving to insurance agents’ offices. Comparing Nissan Sentra insurance rate quotes online makes this process obsolete unless your situation requires the advice and guidance of a local Chandler agent. Drivers can compare the best prices online but purchase the actual policy in an agency.
The companies shown below offer price comparisons in Arizona. If your goal is to find cheaper car insurance in Chandler, we suggest you visit as many as you can to find the cheapest auto insurance rates.
Why auto insurance is not optional
Despite the high cost, maintaining insurance serves several important purposes.
- Almost all states have minimum liability requirements which means you are required to carry specific limits of liability insurance if you don’t want to risk a ticket. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Nissan Sentra, it’s most likely the lender will make it mandatory that you have insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and require you to fork over the higher price.
- Auto insurance preserves not only your Nissan but also your assets. It also can pay for most medical and hospital costs incurred in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of having auto insurance definitely exceed the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $810 a year so you should quote your policy with other companies every year to ensure rates are competitive.
Auto insurance statistics for a Nissan Sentra
The coverage table displayed below highlights estimates of coverage costs for Nissan Sentra models. Being able to understand how insurance premiums are figured can help guide drivers when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $176 | $396 | $288 | $18 | $86 | $964 | $80 |
| Sentra 2.0 S | $176 | $466 | $288 | $18 | $86 | $1,034 | $86 |
| Sentra 2.0 SR | $176 | $466 | $288 | $18 | $86 | $1,034 | $86 |
| Sentra 2.0 SL | $202 | $466 | $288 | $18 | $86 | $1,060 | $88 |
| Sentra SE-R | $202 | $466 | $288 | $18 | $86 | $1,060 | $88 |
| Sentra SE-R SPEC V | $202 | $538 | $288 | $18 | $86 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific location information which can alter auto insurance rates noticeably.
How high should deductibles be?
The hardest decision when buying coverage is the level to set your comp and collision deductibles. The rates below help summarize how much more rates are when you choose different insurance deductibles. The first data table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $202 | $390 | $300 | $18 | $90 | $1,025 | $85 |
| Sentra 2.0 S | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Sentra 2.0 SR | $202 | $460 | $300 | $18 | $90 | $1,095 | $91 |
| Sentra 2.0 SL | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Sentra SE-R | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Sentra SE-R SPEC V | $232 | $530 | $300 | $18 | $90 | $1,195 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Sentra 2.0 S | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Sentra 2.0 SR | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Sentra 2.0 SL | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sentra SE-R | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sentra SE-R SPEC V | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in specific location information which can decrease or increase coverage prices greatly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $13 more each month or $156 each year across all Nissan Sentra models than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claim filings, you would save money if you choose a higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $93 |
| Average monthly premium for $500 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important issue to know is that a higher deductible level results in having to pay to pay more out-of-pocket when you do file a claim. You need to have some extra savings in the event you have to pay the deductible to have repairs made.
The chart below demonstrates how deductibles and can influence Nissan Sentra insurance costs for different categories of driver ages. The premium estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Impact of speeding/accidents on auto insurance rates
The illustration below shows how speeding tickets and at-fault fender-benders increase Nissan Sentra insurance rates for different age groups of insureds. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Difference between full coverage and liability only rates
The information below illustrates the comparison of Nissan Sentra insurance prices with liability coverage only compared to full coverage. The information is based on no accidents, no driving violations, $500 deductibles, marital status is single, and no discounts are applied.
Guidelines for dropping full coverage
There is no definitive rule of when to exclude physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Nissan Sentra settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the deductible is paid. If you are currently paying more than $400 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some cases where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Auto insurance discounts are available to cut your rates
Auto insurance can be pricey, but you might be missing out on some discounts that you may not even be aware of. Certain reductions will be credited when you purchase, but less common discounts must be inquired about before they will apply.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
- New Car Discount – Insuring a new Sentra may earn a small discount since newer models are generally safer.
- ABS and Traction Control Discounts – Cars with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Driver Safety – Completing a class that teaches defensive driving techniques may get you a small discount and easily pay for the cost of the class.
- Multi-car Discount – Buying insurance for multiple cars or trucks with the same auto insurance company can get a discount for every vehicle.
- Membership in Organizations – Participating in a qualifying organization could trigger savings on your next auto insurance statement.
- Paperless Signup – Some of the larger companies provide a small discount shop Chandler auto insurance on your computer.
- Claim Free – Drivers with accident-free driving histories get the best auto insurance rates when compared to frequent claim filers.
- Save over 55 – Drivers that qualify as senior citizens can get reduced rates.
Discounts lower rates, but some of the credits will not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.
The illustration below illustrates the difference between Nissan Sentra insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, claim-free, and multi-car discounts applied.
Auto insurance companies that possibly offer these benefits possibly include:
When getting free Chandler auto insurance quotes, it’s a good idea to every company which discounts you may be entitled to. Savings may not apply in your state. To see a list of insurers who offer free Nissan Sentra insurance quotes in Chandler, click here to view.
Local Chandler insurance agents and auto insurance
Some people just want to get professional advice from a licensed agent and doing that can be a smart decision Professional insurance agents can point out coverage gaps and will help you if you have claims. An additional benefit of price shopping on the web is the fact that drivers can get the lowest rates and also buy local. Buying from and supporting local agents is important particularly in Chandler.
After completing this short form, your information is instantly submitted to agents in your area who will give competitive quotes for your business. You won’t even need to find an agent on your own due to the fact that quote results will go directly to your email. In the event you want to compare prices from one company in particular, feel free to jump over to their website and submit a quote form there.
Types of car insurance agents
If you’re trying to find a local Chandler insurance agent, it helps to know the two types of agencies and how they function. Auto insurance agents can be described as either independent or exclusive depending on the company they work for. Either one can provide auto insurance policies, but it’s worth mentioning the differences since it may influence the type of agent you choose.
Independent Auto Insurance Agencies
Independent agencies are not employed by one company so they can quote policies with many different companies and potentially find a lower price. If they find a lower price, the business is moved internally and you stay with the same agent.
When comparison shopping, it’s a good idea to compare quotes from at least one independent agent so that you can do a thorough price comparison.
The following are Chandler independent agencies who can help you get rate quotes.
Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408 – View Map
Oasis Insurance
1200 N Arizona Ave #3 – Chandler, AZ 85225 – (480) 782-9202 – View Map
Boudreaux, Jerrold Arizona Insurance SVC
393 W Warner Rd # 117 – Chandler, AZ 85225 – (480) 890-7900 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive normally can only provide a single company’s rates such as American Family, State Farm, and Allstate. These agents are unable to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are well schooled on what they offer which helps them sell insurance even at higher premiums.
The following are Chandler exclusive insurance agencies willing to provide comparison quotes.
Farmers Insurance – Tom Sisouvanh
3170 S Gilbert Rd #5 – Chandler, AZ 85286 – (480) 409-1515 – View Map
Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763 – View Map
Stacy Beatty – State Farm Insurance Agent
3165 S Alma School Rd Ste 27 – Chandler, AZ 85248 – (480) 855-0665 – View Map
Picking the best auto insurance agent requires you to look at more than just the bottom line cost. A good agent in Chandler will have answers to these questions.
- Do the coverages you’re quoting properly cover your vehicle?
- Who is covered by the car insurance policy?
- How much training do they have in personal risk management?
- Which companies can they place coverage with?
- Is there a 24/7 contact number?
- When do they do a full risk review?
Persistence is the key to cheaper rates
Affordable Nissan Sentra insurance in Chandler is available online as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not have price quotes online and most of the time these smaller providers provide coverage only through local independent agencies.
When getting Chandler auto insurance quotes online, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at the best price, but do not sacrifice coverage to save money.
Additional detailed information is located at these sites:
- Property Damage Coverage (Liberty Mutual)
- How Much is Auto Insurance for Police Officers in Chandler? (FAQ)
- Who Has Cheap Car Insurance Quotes for a 20 Year Old Female in Chandler? (FAQ)
- Who Has the Cheapest Chandler Auto Insurance Rates for a Ford F-150? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Teen Driving Statistics (GEICO)
- Car Insurance FAQ (Trusted Choice)