Buying economical coverage for a Nissan Sentra in Texas depends on a fairly complex equation with a lot of factors such as how you use your vehicle, your claims history, and your choice of physical damage deductibles. Texas drivers will pay on average $1,218 each year for Sentra insurance, but that cost is an estimate based on a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 40-year-old female, you might be married instead of single, and you don’t want the same coverages and limits as the example. This illustrates why the best method for finding the cheapest rates for your Nissan is to do the rate comparisons yourself. In just a couple of minutes you will receive price comparisons from some of the best companies that insure Nissan vehicles in Texas.
The specific trim level tends to have a direct impact on the yearly cost, so the price to insure a Sentra 2 model will be $192 less than the price to insure the fancier Sentra SE-R SPEC V model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$200||$532||$496||$30||$148||$1,406||$117|
|Sentra 2.0 SR||$200||$532||$496||$30||$148||$1,406||$117|
|Sentra 2.0 SL||$230||$532||$496||$30||$148||$1,436||$120|
|Sentra SE-R SPEC V||$230||$614||$496||$30||$148||$1,518||$127|
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location information which can revise premiums substantially.
Shopping around for affordable insurance is challenging, and deciding which insurers offer the best car insurance rates for a Nissan Sentra will require a little more work. Every car insurance company has a unique approach to set premium rates, so let’s rank the car insurance companies with the overall best prices in Houston, TX.
It’s important that readers know that Houston car insurance rates are impacted by many factors which can significantly increase or decrease the price of your policy. Things like getting older, buying a different vehicle, or getting a couple of tickets may prompt premium changes resulting in some rates now being more expensive than others.
Cheapest Insurance Rates for Your Sentra
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Travelers generally has some of the lowest car insurance rates in Houston at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheapest Houston, TX insurance companies.
As depicted above, if you are insured with Texas Farm Bureau and switched to Travelers, you could see yearly savings of approximately $190. Drivers with Germania Mutual may save as much as $235 a year, and Esurance insureds might realize rate reductions of up to $358 a year.
Understand that those estimates are averaged across all insureds and vehicles and are not factoring in an exact location for a Nissan Sentra. So the car insurance company that fits your needs best may not even be in the top 23 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Discount Houston insurance rates
Car insurance companies that provide coverage for a Nissan Sentra may also offer rate discounts that can reduce rates by as much as 25% or more if you meet the requirements. The best car insurance companies and some of the premium reductions they offer are shown below.
- 21st Century has savings for homeowners, automatic seat belts, defensive driver, early bird, and student driver.
- State Farm discounts include passive restraint, Drive Safe & Save, accident-free, Steer Clear safe driver discount, and safe vehicle.
- AAA includes discounts for good student, education and occupation, pay-in-full, good driver, anti-theft, and multi-policy.
- Liberty Mutual has discounts for hybrid vehicle, safety features, new move discount, good student, new vehicle discount, and teen driver discount.
- Progressive offers discounts including multi-policy, continuous coverage, good student, online signing, homeowner, and multi-vehicle.
The illustration below shows the comparison of premium costs with and without discounts applied to the rates. Data assumes a male driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, homeowner, claim-free, safe-driver, anti-theft, and passive restraint discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for a Nissan Sentra is 28% or $558.
Full coverage rates compared to liability-only
Reducing the cost of car insurance is important to most drivers, and one great way to find cheap insurance for a Nissan Sentra is to not pay for full coverage. The example below illustrates the difference between auto insurance costs with liability coverage only compared to full coverage. The price estimates are based on no claims or driving citations, $100 deductibles, single marital status, and no other discounts are factored in.
If all age groups are averaged, physical damage coverage on your policy costs an extra $2,536 per year more than insuring for liability only. That amount may make you wonder if buying full coverage is a good investment. There is no written rule of when to exclude physical damage insurance, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement cost is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $7,500 after paying your deductible. If you are paying over $750 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are a few cases where removing full coverage is not recommended. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.
How to find the cheapest auto insurance for a Nissan Sentra
Lowering your rates is not difficult, and here are a few penny-pinching suggestions that can help you locate lower-cost coverage.
- Remain accident-free and save
- Be a cautious driver
- Drive safe vehicles
- Claim-free policyholders usually earn a discount
- Buying your home and auto policies from the same company can earn a discount
- Drop full coverage on older vehicles
- Compare rate quotes frequently
The last tip in the list is notably significant, as we discussed in the article above. Auto insurance rates can change considerably based on profitability, so you should be ready to switch carriers if a more affordable price is available. Sticking with a specific company is fine, but is isn’t recommended if that stubbornness costs you a wad of cash every year. In less than five minutes you could shop around and find cheaper car insurance for a Nissan Sentra in Houston.
The professional agents shown below are a good start to aid you in deciding which coverages and limits you need, as some drivers wish to get help from a professional when shopping for the best coverage for a Sentra. It can be challenging to find the cheapest rates, and agents can give peace of mind knowing your policy gives you enough coverage if you have a claim.
To find an auto insurance agency close to you, click the button following the list.
Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889
Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103 – Houston, TX 77060 – (281) 445-1381
Suzanne Brown Agency-Insurance
11999 Katy Fwy #635 – Houston, TX 77079 – (281) 558-2210
Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000