Buying economical insurance for a Nissan Sentra is pretty simple for most people to do, but it is dependent upon a lot of rating factors such as whether you are married, your residence address, and your choice of deductibles. Drivers in Pennsylvania pay approximately $901 annually to insure their Sentra, but that amount is an estimation calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
There's a good chance you are not 40 years old and maybe not even male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Even a minor difference in rating factors or requested coverage amount can make a big difference in how much coverage for a Nissan Sentra costs.
There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest insurance price for your Nissan is to put in the effort to do a thorough rate comparison. Quotes only take a few minutes and you will be able to see rates from some of the cheapest companies that offer coverage in Pennsylvania.
Your vehicle's trim level will likely have an effect on the annual cost of coverage, so the cost to insure a Sentra 2 model will be $130 cheaper than the cost to insure the higher-priced Sentra SE-R SPEC V model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$134||$366||$398||$24||$120||$1,042||$87|
|Sentra 2.0 SR||$134||$366||$398||$24||$120||$1,042||$87|
|Sentra 2.0 SL||$154||$366||$398||$24||$120||$1,062||$89|
|Sentra SE-R SPEC V||$154||$420||$398||$24||$120||$1,116||$93|
|Get Your Own Custom Quote Go|
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can alter rates considerably.
Determining which company has the lowest-priced insurance rates for a Nissan Sentra in Pennsylvania involves a tad more effort in order to find the best policy. Every car insurance company has a proprietary method to determine rates, so we'll go over the insurance companies with the most affordable rates in Pennsylvania.
It's a good idea to be aware that Pennsylvania insurance rates are impacted by many things that will increase or decrease your annual premium. Turning one year older, getting married, or having an at-fault accident can produce rate changes resulting in some companies being cheaper than before.
Find Cheaper Car Insurance for Your Sentra
General Casualty offers some of the most affordable car insurance rates in Pennsylvania at around $748 each year. This is $909 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National also are some of the cheapest Pennsylvania car insurance companies.
In the above rates, if you are a policyholder with Erie and switched to Travelers, you might achieve yearly savings of upwards of $37. Pennsylvania drivers with Penn National may save as much as $45 a year, and Auto-Owners policyholders might reduce prices by as much as $176 a year.
It's important to note that these rates are averages for all ages of drivers and types of vehicles and do not factor in a specific rate factor for a Nissan Sentra. So the car insurance company that can offer the best rates for your situation may not even be in the top 30 companies shown above. That point stresses why you need to get quotes using your own driver and vehicle profiles.
Full coverage versus liability only rates
Saving money when shopping for insurance is probably important to the majority of people, and one of the quickest ways to buy cheap insurance for a Nissan Sentra in Pennsylvania is to only pay for liability coverage. The example below shows the difference between auto insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs an additional $2,578 per year over and above liability only. Many drivers may wonder if it's worth it to buy full coverage. There is no clear-cut formula to delete full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.
There are a few cases where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should not remove full coverage.
You are probably paying too much for Sentra insurance
Pennsylvania insurance rates are based on many factors that can increase the price you pay for coverage. Simply having a birthday, marrying your spouse, or getting a ticket for careless driving can trigger changes in premium resulting in some companies being cheaper than competitors. Additionally, car insurance companies modify pricing as needed in order to maintain liquidity for claims. Significantly higher claims can result in rate hikes, while a lower level of claims may produce lower-priced Sentra insurance rates.
To illustrate this example, the graph below shows a variety of companies that have the cheapest car insurance in Pennsylvania for a 45-year-old male driver with no prior claims, no tickets, and a good credit history. When quoting prices based on his personal risk profile, General Casualty has the cheapest car insurance rates in Pennsylvania at $748 per year. This is $909 less than the average price paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National are the remaining most affordable Pennsylvania auto insurance companies.
In the next rate comparison, we'll give the driver in the first example some claims, slightly worse credit, and a speeding ticket. Because every insurance company has their own process to set policy rates, analyzing rates may result in a slightly different list of the cheapest companies as shown below.
Auto-Owners now has the best insurance rate in Pennsylvania with Atlantic States, Travelers, Donegal Mutual, and Erie also being competitive. This example demonstrates why consumers need to compare lots of rates to get the lowest car insurance quotes for a Nissan Sentra. Insurance prices consist of many things and can decrease or increase without notice, so the lowest-price company a year ago may now be quite expensive.
How to find the cheapest auto insurance for a Nissan Sentra
The list below summarizes some of the better money-saving suggestions that can help Pennsylvania drivers locate more affordable auto insurance.
- Violations and traffic tickets increase rates
- Older vehicles may not need full coverage
- Higher deductibles save money
- Accidents can significantly increase rates
- Safer vehicles generally have cheaper insurance rates
- Improve your credit score
- Keep rates low by comparing prices once a year
That final tip is especially important, as we noted in this write-up. Car insurance prices can be changed at any time, so drivers shouldn't hesitate to buy from a different company if a more affordable price is available. Brand loyalty is great, but is isn't recommended if your bullheadedness ends up costing you a wad of cash every year. Take a couple minutes and shop around and find cheaper auto insurance for a Nissan Sentra.