Buying the best cheap coverage for a Nissan Sentra is dependent upon a large number of rating criteria such as whether you are male or female, where your vehicle is garaged, and citations on your driving record. Drivers in Georgia pay around $1,388 per year to insure their Sentra, but that figure is an approximation calculated based on a 40-year-old single male driver with full physical damage coverage and $250 deductibles.
There’s a high likelihood you may not be 40 years old (or even male), married instead of single, and you want different coverage limits than the example. Just a slight change in rating variables or coverage information could end up in a significant change in how much coverage for a Nissan Sentra costs.
This demonstrates why the only real way to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible. Rate quotes are easy and you will receive rate quotes from some of the most affordable companies that insure vehicles in Georgia.
The trim level of your vehicle can impact the annual cost of coverage, so the price you will be charged to insure a Sentra 2 trim level will be $248 lower than the insurance cost for the higher-priced Sentra SE-R SPEC V version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$260||$694||$476||$28||$142||$1,600||$133|
|Sentra 2.0 SR||$260||$694||$476||$28||$142||$1,600||$133|
|Sentra 2.0 SL||$298||$694||$476||$28||$142||$1,638||$137|
|Sentra SE-R SPEC V||$298||$800||$476||$28||$142||$1,744||$145|
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific location which can decrease or increase coverage rates noticeably.
Shopping around for low-cost insurance is confusing at best, and determining which company offers the cheapest auto insurance rates for a Nissan Sentra may require even more perseverance. Each auto insurer has their own guidelines for determining rates in each state, so we need to take a look at the most affordable auto insurance companies in Georgia.
Find the Cheapest Auto Insurance for Your Sentra
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,312|
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Auto-Owners has some of the lowest car insurance rates in Atlanta at around $855 annually. This is $674 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife would also be considered some of the most economical Atlanta, GA insurance companies.
As illustrated above, if you are a customer of Central Mutual and switched to Auto-Owners, you may realize annual savings of upwards of $338. Policyholders with MetLife could save as much as $409 a year, and Georgia Farm Bureau insureds might lower prices by up to $457 a year.
Bear in mind that those rates are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for a Nissan Sentra. So the company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.
The chart below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for a Nissan Sentra. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could lower rates by $358 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $538 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could reduce their rates as much as $1,214 every year just by using higher deductibles. If you make the decision to raise deductibles, it is important to have enough savings to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Here’s why price comparisons are so important
Georgia auto insurance rates are impacted by many things that can increase the cost of having a policy. Turning one year older, buying another vehicle, or getting a couple of tickets can cause premium changes that can cause some rates to be more affordable than others. Also, companies file new Georgia auto insurance rates without warning in order to remain profitable. Higher than normal claims can result in price increases, while long-term profits may result in lower-priced Sentra insurance rates.
The chart below shows the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with a good driving record, no prior claims, and a good credit history. If we look at prices based on his personal profile, Auto-Owners might quote the best car insurance rates in Atlanta at $1,136 per year. This is $393 less than the average price paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the rest of the most affordable Atlanta, GA auto insurance companies.
The next chart shows rates after we give the driver in the first chart a claim surcharge, slightly worse credit, and a traffic citation. Because each insurer uses their own formula to determine rates, comparing quotes most likely will result in a substantially altered list of the cheapest companies as shown below.
The Hartford now has the cheapest insurance rate in Atlanta with Georgia Farm Bureau, Country, Mercury, and Safeco now rounding out the top five. This example shows why Atlanta drivers need to compare lots of rates to get affordable insurance rates for a Nissan Sentra.
Insurance rates are impacted by many risk factors and can increase or decrease at any time, so the lowest-price company three years ago may now be quite expensive.
How to find budget-friendly car insurance for a Nissan Sentra
Below you’ll find many money-saving solutions that can help Atlanta drivers get more affordable coverage.
- Claim-free policyholders usually earn a discount
- Having at-fault accidents will increase rates
- Buy vehicles with five-star safety ratings
- You will pay more if you get tickets or have at-fault accidents
- Buy your auto and home insurance from the same company and save
- Check for cheaper rates once a year
The last idea is notably crucial, as we discussed in this write-up. Rates in Atlanta can be modified anytime, so don’t be tentative to change to a new company if a more affordable rate is found.
Brand loyalty is great, but it’s not recommended if it’s costing you money that could be going to better use. In less than five minutes you could compare rates and find cheaper car insurance for a Nissan Sentra.
The insurance agencies below can probably help you determine which is the best policy, as some people have coverage questions and would like to get help from a professional when buying car insurance for a Sentra. It can be difficult to find the best policy on your own, so agents can provide you comfort knowing your coverage gives you adequate protection in the event of a claim. To locate an Atlanta insurance agent in your neighborhood, click the link at the bottom.
- Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd a – Atlanta, GA 30329 – (404) 634-2447
- Rob Hill – State Farm Insurance Agent
2800 Shallowford Rd NE, Ste A-B – Atlanta, GA 30341 – (678) 791-7132
- Kaitlin Ponce – State Farm Insurance Agent
2285 Peachtree Rd #204 – Atlanta, GA 30309 – (404) 390-1190
- Clyde Hill Jr – State Farm Insurance Agent
3041 N E Expy – Atlanta, GA 30341 – (770) 452-1485