Finding cheaper auto insurance for a Nissan Sentra is dependent upon many different factors such as how old the vehicle is, your credit history, and your policy deductibles. New York drivers pay around $837 each year to insure their Sentra, but that is an estimation based on a 30-year-old single male driver with full physical damage coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, married instead of single, and you may just want the cheapest liability coverage you can find. Having just a slight change in rating criteria or coverage limits may result in significant differences in policy price.
Everone’s needs are different, and this illustrates why the way we recommend to find affordable rates for your Nissan is to put in the effort to do a thorough rate comparison. In less than five minutes you will get price quotes from the best companies that insure vehicles in New York.
The trim level of your Nissan tends to impact the yearly cost, so the rate you will pay to insure a Sentra 2 will be $124 less than the cost to insure the more costly Sentra SE-R SPEC V version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $166 | $278 | $346 | $20 | $104 | $914 | $76 |
| Sentra 2.0 S | $166 | $328 | $346 | $20 | $104 | $964 | $80 |
| Sentra 2.0 SR | $166 | $328 | $346 | $20 | $104 | $964 | $80 |
| Sentra 2.0 SL | $190 | $328 | $346 | $20 | $104 | $988 | $82 |
| Sentra SE-R | $190 | $328 | $346 | $20 | $104 | $988 | $82 |
| Sentra SE-R SPEC V | $190 | $378 | $346 | $20 | $104 | $1,038 | $87 |
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in your specific Buffalo location which can lower or raise premium rates greatly.
Finding out which company offers the best insurance rates for a Nissan Sentra may require a little more effort in order to find the best price.
Every insurance provider has a different formula for filing rates in each state, so let’s look at the rankings for the insurance companies with the most affordable rates in New York. It’s important that readers know that New York insurance rates are based on many factors that can increase the price you have to pay for coverage. Improving your credit score, moving across town, or getting a couple of tickets may prompt premium changes resulting in some rates now being cheaper than competitors.
Find the Best Cheap Insurance for Your Sentra
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,152 |
| 2 | Erie | $1,255 |
| 3 | Progressive | $1,496 |
| 4 | Utica National | $1,504 |
| 5 | Travelers | $1,513 |
| 6 | MetLife | $1,572 |
| 7 | Allstate | $1,603 |
| 8 | Amica | $1,628 |
| 9 | Preferred Mutual | $1,754 |
| 10 | New York Central Mutual | $1,836 |
| 11 | GEICO | $1,869 |
| 12 | State Farm | $1,962 |
| 13 | Safeco | $1,966 |
| 14 | Central Mutual | $1,968 |
| 15 | Liberty Mutual | $2,087 |
| 16 | Hanover | $2,299 |
| 17 | Encompass | $2,610 |
| 18 | Nationwide | $3,085 |
| 19 | Mercury | $3,926 |
| 20 | 21st Century | $4,324 |
| Find Cheaper Rates Go | ||
USAA may offer some of the lowest car insurance rates in Buffalo at around $1,152 a year. Erie, Progressive, Utica National, and Travelers would also make the list of some of the cheapest Buffalo, NY auto insurance companies.
In the rate table above, if you are a customer of Progressive and switched to USAA, you may realize a yearly price reduction of upwards of $344. Policyholders with Utica National may save as much as $352 a year, and Travelers insureds might cut rates by $361 a year.
Bear in mind that those rates are averages across all insureds and vehicles and do not factor in a vehicle location for a Nissan Sentra. So the insurer that has the lowest price for you may not even be in the list above. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
How violations and accidents impact rates
The easiest way to earn low insurance premiums in Buffalo for a Sentra is to be a careful driver and avoid accidents and violations. The diagram below demonstrates how traffic citations and accident claims can influence annual premium costs for each age group. The prices are based on a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
In the example above, the average cost of a car insurance policy in Buffalo per year with no accidents or violations is $1,456. Get written up for two speeding tickets and the average cost swells to $1,922, an increase of $465 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Nissan Sentra goes up to an average of $3,766. That’s an increase of $2,309, or $192 per month, just for being a less-than-perfect driver!
How much more does full coverage cost?
Reducing premiums for insurance is important to most vehicle owners, and one of the quickest ways to pay lower rates for insurance for a Nissan Sentra is to not pay for full coverage. The example below illustrates the difference between car insurance rates when comparing full coverage to liability only. Data assumes no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are factored in.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs $1,881 per year more than just insuring for liability. That proposes the question when is it a good idea to stop buying full coverage. There is no written rule for dropping comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
How to find cheaper insurance for a Nissan Sentra
Lowering your rates is not difficult, and here are many thrifty solutions that can help drivers find more affordable auto insurance.
- Drive vehicles with five-star safety ratings
- Do not get into accidents that are your fault
- Pay cheaper rates with good credit scores
- Having too many claims will increase rates substantially
- Do not get tickets or violations
- Ensure you have the best deal by shopping around regularly
That last piece of advice is extremely vital, as we pointed out in this article. Insurance prices change constantly, so drivers shouldn’t be reluctant to buy from a different company if you can save money.
Many consumers stick with the same company and that’s fine, but is isn’t recommended if that inflexibility results in costing you a wad of cash every year. In just a couple of minutes you could compare prices to find cheaper auto insurance for a Nissan Sentra in Buffalo.
If you aren’t clear which coverage you need and would like to have some advice when shopping for cheaper insurance for a Nissan Sentra, the professional agents shown below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation.
To locate a Buffalo auto insurance agent by location nearest to you, click the button below the list or click here to compare prices now.
- United Insurance Agency, Inc.
90 Bryant Woods S – Buffalo, NY 14228 – (716) 632-6118 - Cielinski Richard Insurance Agency
2916 William St – Buffalo, NY 14227 – (716) 892-5154 - Gallego Agency
572 Amherst St – Buffalo, NY 14207 – (716) 854-2800 - Burch Insurance Agency
4180 Bailey Ave – Buffalo, NY 14226 – (716) 830-3417 - Hsbc Insurance Agency: Chiarenza John
95 Washington St – Buffalo, NY 14203 – (716) 447-2556