Who Has the Cheapest Car Insurance for a Nissan Sentra in Raleigh?

Buying affordable auto insurance for a Nissan Sentra is pretty easy for most people, but it relies on a complex formula that considers things such as your marital status, the likelihood of your vehicle being stolen, and your choice of physical damage deductibles. Drivers will pay on average $612 per year to insure their Sentra, but that is an approximation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

There is a good probability you aren’t exactly 50 years old or even a female, maybe you are married instead of single, or you just prefer to insure for liability only. Not every driver requires the same auto insurance coverages, so the only real way to find cheap insurance prices for your Nissan is to put in the effort to do a thorough rate comparison. Get your free quotes now and you will get price quotes from the cheapest companies that sell coverage in North Carolina.

Find Cheaper Nissan Sentra Insurance

The specific trim level will most likely have an effect on the annual cost of coverage, so the cost to insure a Sentra 2 model will be $84 cheaper than the cost to insure the high end Sentra SE-R SPEC V version, as shown in the prices below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location which can raise or lower rates considerably.

Picking the highest-rated company is difficult considering how many companies are available to choose from in North Carolina. The company rank data in the next section can help you decide which auto insurers to look at comparing rates with. These rankings only include the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for these rankings.

Top 10 Large Auto Insurance Companies in Raleigh Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Discount Raleigh auto insurance

Car insurance companies that offer quotes for a Nissan Sentra may additionally offer rate discounts that can reduce rates by as much as 25% or more if you qualify for them. Larger car insurance companies and their possible discounts include:

• State Farm has discounts for defensive driving training, passive restraint, multiple policy, accident-free, student away at school, and anti-theft.
• Farmers Insurance may have discounts that include youthful driver, alternative fuel, homeowner, teen driver, and switch companies.
• Progressive discounts include multi-vehicle, online quote discount, good student, continuous coverage, homeowner, multi-policy, and online signing.
• GEICO offers discounts for driver training, federal employee, emergency military deployment, daytime running lights, and membership and employees.
• Auto-Owners Insurance may include discounts for teen driver, safe driver, paperless, multi-policy, multiple vehicles, and good student.
• The Hartford offers premium reductions for vehicle fuel type, driver training, anti-theft, good student, and defensive driver.
• Farm Bureau policyholders can earn discounts including safe driver, youthful driver, good student, renewal discount, and 55 and retired.
• USAA includes discounts for military installation, multi-policy, driver training, new vehicle, good student, annual mileage, and loyalty savings.

The information below shows the comparison of insurance premiums with and without discounts applied. The prices are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, passive restraint, accident-free, vehicle safety, defensive driving course, and safe-driver discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Nissan Sentra is 28% or $385.

Your cheap Sentra insurance may actually be overpriced

North Carolina car insurance rates are impacted by many things which can substantially change the cost of having a policy. Getting older, buying a home instead of renting, or having a fender bender can produce rate changes that can now make some companies cheaper in comparison to the competition. Also, auto insurance companies modify pricing multiple times each year in order to maintain liquidity for claims. Significantly higher claims may cause high rates, while lower claim levels may produce lower-priced Sentra insurance rates.

As an example, the data below shows the cheapest car insurance in Raleigh, NC for a 45-year-old male driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on his current situation, Progressive may offer the lowest car insurance rates in Raleigh at $725 annually. This is $147 less than the average price paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also make the list of the top five cheapest Raleigh, NC auto insurance companies.

Now we will pretend the driver in the first chart a chargeable claim, less-than-perfect credit, and a speeding citation. Since each auto insurance company has a unique formula to set their prices, getting updated rate quotes most likely will result in a slightly different list of the cheapest Raleigh car insurance companies as shown below.

Titan now has the best price on car insurance in Raleigh, NC with State Farm, Auto-Owners, Utica National, and Allied now being in the top five. This example proves why it is important to perform an extensive rate comparison to find the most affordable insurance quotes for a Nissan Sentra. Rates are impacted by many risk factors and can change substantially, so the cheapest rate the last time you shopped around may now be wasting a lot of money.

Tips to find more affordable insurance for a Nissan Sentra

The list below details many penny-pinching ideas that can help you get lower-cost auto insurance.

• Insure your home and auto with the same company
• Older vehicles may not need full coverage
• Good credit scores may make rates cheaper
• Staying accident-free helps keep rates low
• Drive vehicles with five-star safety ratings
• Compare rate quotes often

The last item on the list is especially important, as we emphasized in this article. Auto insurance rates in Raleigh vary greatly, so don’t be unwilling to switch carriers if a better deal can be had. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you potentially thousands of dollars a year. Take a couple minutes and compare rates and find cheaper insurance for a Nissan Sentra.

The insurance agencies below can answer your questions and help you decide which auto insurance policy fits you best, as many consumers aren’t sure which coverage to buy and prefer to have some professional guidance when shopping around for cheaper insurance for a Sentra. It can be difficult to find coverage yourself, so insurance agents licensed in the state of North Carolina can provide you satisfaction knowing you have enough coverage if you have a claim. To find an agent nearest to you, click the button after the list or click here to compare price quotes.

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