Would you like to save money by finding more affordable Nissan Sentra insurance in Buffalo? Trying to find the cheapest insurance for your Nissan Sentra in New York can be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to find insurance online and you need to know the best way to price shop coverage for your Nissan and find the lowest possible price from Buffalo insurance agents and online providers.
It’s a good idea to check insurance prices before your policy renews because insurance prices change regularly. Even if you got the best deal on Nissan Sentra insurance in Buffalo a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to teach you one of the best ways to properly buy coverages and cut your premium.
Affordable companies for Nissan Sentra insurance
The companies shown below are ready to provide free quotes in New York. To locate the cheapest auto insurance in New York, we recommend you compare several of them to get the lowest price.
Statistics and details
The premium information shown next outlines estimates of policy rates for Nissan Sentra models. Learning as much as possible about how policy rates are figured is important for drivers to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $172 | $390 | $344 | $20 | $104 | $1,030 | $86 |
| Sentra 2.0 S | $172 | $458 | $344 | $20 | $104 | $1,098 | $92 |
| Sentra 2.0 SR | $172 | $458 | $344 | $20 | $104 | $1,098 | $92 |
| Sentra 2.0 SL | $196 | $458 | $344 | $20 | $104 | $1,122 | $94 |
| Sentra SE-R | $196 | $458 | $344 | $20 | $104 | $1,122 | $94 |
| Sentra SE-R SPEC V | $196 | $528 | $344 | $20 | $104 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in Buffalo which can alter prices greatly.
Physical damage deductibles
When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The rates below sum up the rate differences when you choose different physical damage coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $178 | $344 | $264 | $16 | $80 | $907 | $76 |
| Sentra 2.0 S | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Sentra 2.0 SR | $178 | $406 | $264 | $16 | $80 | $969 | $81 |
| Sentra 2.0 SL | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Sentra SE-R | $204 | $406 | $264 | $16 | $80 | $995 | $83 |
| Sentra SE-R SPEC V | $204 | $468 | $264 | $16 | $80 | $1,057 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $144 | $278 | $264 | $16 | $80 | $782 | $65 |
| Sentra 2.0 S | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Sentra 2.0 SR | $144 | $328 | $264 | $16 | $80 | $832 | $69 |
| Sentra 2.0 SL | $166 | $328 | $264 | $16 | $80 | $854 | $71 |
| Sentra SE-R | $166 | $328 | $264 | $16 | $80 | $854 | $71 |
| Sentra SE-R SPEC V | $166 | $378 | $264 | $16 | $80 | $904 | $75 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in your specific Buffalo location which can modify auto insurance rates significantly.
Based on the data above, we can derive that using a $250 deductible costs an average of $12 more each month or $144 a year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claim filings, you would probably save some money going with the higher deductible.
The illustration below shows how choosing a deductible and can change Nissan Sentra annual premium costs for different age groups of insureds. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.
How accidents and violations affect rates in Buffalo
The diagram below illustrates how violations and at-fault accidents can drive up Nissan Sentra insurance costs for each different age group. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Does full coverage make sense?
The information below visualizes the comparison of Nissan Sentra premium costs with full physical damage coverage compared to only buying liability only. The data is based on no claims or violations, $500 deductibles, marital status is single, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule that is best for determining when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Nissan Sentra book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few cases where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Companies offer lots of discounts on Nissan Sentra insurance in Buffalo
Companies offering auto insurance don’t necessarily list every possible discount in a way that’s easy to find, so we researched a few of the more well known and the more hidden discounts that you may qualify for.
- Online Discount – A few insurance companies give back up to $50 for buying a policy and signing up on their website.
- Life Insurance Discount – Larger insurance carriers have a lower insurance rate if you buy life insurance from them.
- Multiple Cars – Having multiple vehicles on one policy can get a discount for every vehicle.
- Sign Early and Save – A few insurance companies allow discounts for switching policies prior to your current Sentra insurance policy expiration. You could save around 10% when you buy Buffalo car insurance online.
- Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
- Employee of Federal Government – Active or former government employment may qualify for a discount when you quote Buffalo car insurance with a few insurance companies.
- Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could get a discount of up to 20% off your total Sentra insurance premium.
- Senior Discount – Older drivers may qualify for a slight reduction on a Buffalo car insurance quote.
Please keep in mind that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. But any discount will lower the cost of your policy.
The chart below illustrates the comparison of Nissan Sentra car insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no accidents, no driving violations, New York state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, multi-policy, and marriage discounts applied.
A few popular companies and a selection of discounts are outlined below.
- Farm Bureau includes discounts for safe driver, 55 and retired, renewal discount, multi-vehicle, driver training, good student, and youthful driver.
- MetLife offers discounts for claim-free, defensive driver, multi-policy, good driver, accident-free, and good student.
- Progressive offers discounts including online quote discount, multi-vehicle, continuous coverage, homeowner, multi-policy, good student, and online signing.
- AAA may offer discounts for AAA membership discount, multi-policy, multi-car, good student, and anti-theft.
- American Family may have discounts that include early bird, good student, TimeAway discount, mySafetyValet, bundled insurance, and accident-free.
- GEICO may include discounts for emergency military deployment, defensive driver, military active duty, daytime running lights, driver training, multi-vehicle, and anti-lock brakes.
- State Farm has discounts for good student, multiple autos, accident-free, student away at school, Drive Safe & Save, and good driver.
Before you buy a policy, ask each insurance company which discounts can lower your rates. Some discounts may not apply everywhere. To view providers with significant discounts in New York, click this link.
What if I want to buy from local Buffalo car insurance agents?
Some people just want to get advice from a local agent and there is nothing wrong with that. Agents can point out coverage gaps and will help you if you have claims. A good thing about getting free rate quotes online is that drivers can save money and get cheap car insurance rates and still have a local agent.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to local insurance agents that give free quotes for your coverage. You won’t even need to even leave your home because prices are sent to you directly. If you wish to get a comparison quote from a specific insurance company, you just need to go to their quote page and submit a quote form there.
Finding a good provider requires you to look at more than just the quoted price. Any good agent in Buffalo should know the answers to these questions.
- Do they get extra compensation for selling add-on coverages?
- Are all drivers listed on the coverage quote?
- Will high miles depreciate repair valuations?
- How long has the business existed?
- Do they see any coverage gaps in your plan?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will your rates increase after a single accident?
- Do you need full coverage on every vehicle?
Choose the right auto insurance agent
If you are wanting to purchase car insurance from a reliable insurance agent, you must know there are a couple types of agencies from which to choose. Car insurance agents may be either exclusive or independent. Either type can write car insurance policies, but it’s important to point out the difference in the companies they write for because it can impact the kind of agent you use.
Exclusive Agents
Exclusive insurance agents have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company’s rates so you might not find the best rates. These agents receive extensive training in insurance sales which helps them compete with independent agents. Consumers often buy insurance from these agents partially due to high brand loyalty rather than having the cheapest rates.
Shown below are exclusive agents in Buffalo who can help you get price quotes.
- Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500 – View Map - GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map - Dan Schmidt – State Farm Insurance Agent
615 Elmwood Ave – Buffalo, NY 14222 – (716) 783-9460 – View Map
Independent Car Insurance Agencies
Independent agencies often have many company appointments and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. If premiums increase, your policy is moved internally and the insured can keep the same agent. If you need lower rates, you should always contact multiple independent agents for maximum quote selection. A lot of them also have access to lesser-known insurance companies which could offer lower prices.
Below is a short list of independent insurance agents in Buffalo who can help you get comparison quotes.
- Consolidated Insurance Agents
3814 Seneca St – Buffalo, NY 14224 – (716) 674-1700 – View Map - Merchants Insurance Co
85 Pearl St – Buffalo, NY 14202 – (716) 849-3287 – View Map - Nationwide Insurance: Debra R Hamsher
1101 Niagara Falls Blvd – Buffalo, NY 14226 – (716) 833-1900 – View Map
After getting reasonable responses to your questions as well as a price you’re happy with, you’ve probably found a car insurance agent that meets your needs to adequately provide car insurance. Just understand that it’s your policy and you can cancel your policy whenever you want so don’t think you’re contractually obligated to a specific company for a certain time period.
Quote often and quote early
Low-cost Nissan Sentra insurance in Buffalo is possible both online as well as from insurance agents, so you need to shop Buffalo car insurance with both to have the best rate selection. Some companies do not offer online price quotes and these small, regional companies prefer to sell through independent insurance agencies.
People change insurance companies for a variety of reasons including policy cancellation, high rates after DUI convictions, delays in responding to claim requests and even not issuing a premium refund. Regardless of your reason, choosing a new insurance company is actually quite simple.
When searching for inexpensive Buffalo car insurance quotes, you should never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.
Steps to finding cheaper quotes for Nissan Sentra insurance in Buffalo
It takes a little time, but the best way to get discount Nissan Sentra insurance is to regularly compare price quotes from insurance carriers in Buffalo. Rates can be compared by completing these steps.
Step 1: Take a few minutes and learn about how car insurance works and the steps you can take to prevent expensive coverage. Many rating factors that increase rates like at-fault accidents, speeding tickets, and a low credit rating can be amended by making minor changes in your lifestyle.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the new quotes to the price on your current policy to see if cheaper Sentra coverage is available in Buffalo. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide adequate notice to your current company of your intention to cancel your current coverage. Submit a down payment and signed policy application to the new company. Once received, safely store the proof of insurance certificate along with the vehicle’s registration papers.
An important part of this process is to use the same deductibles and limits on every price quote and and to get price quotes from as many car insurance companies as possible. This ensures a level playing field and the best price quote selection.
More information is available at the links below
- What is a Telematics Device? (Allstate)
- Who Has Affordable Car Insurance Quotes for 4×4 Vehicles in Buffalo? (FAQ)
- How Much is Auto Insurance for a Ford Edge in Buffalo? (FAQ)
- Who Has Affordable Buffalo Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
- Who Has Cheap Buffalo Auto Insurance Rates for Handicapped Drivers? (FAQ)
- Frontal Crash Tests (iihs.org)
- What is Full Coverage? (Allstate)