Affordable Quotes for Nissan Sentra Insurance in Raleigh

It’s an obvious conclusion that insurance companies don’t want policyholders to shop around. Insureds who shop around once a year will presumably move their business because there is a great chance of finding a more affordable policy premium. A study discovered that drivers who routinely compared rates saved $860 a year compared to other drivers who never compared prices.

If finding the cheapest rates on insurance in Raleigh is why you’re here, then learning about the best way to shop and compare insurance coverage can save money and time.

Really, the only way to quote cheaper car insurance rates in Raleigh is to start doing an annual price comparison from companies that sell auto insurance in North Carolina. You can shop around by following these guidelines.

• First, it will benefit you to learn about coverages and the measures you can control to keep rates low. Many risk factors that drive up the price such as at-fault accidents, careless driving, and a less-than-favorable credit rating can be controlled by making lifestyle changes or driving safer.
• Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can provide prices from many different companies.
• Third, compare the price quotes to your existing rates to see if cheaper Sentra coverage is available in Raleigh. If you can save money and make a switch, ensure there is no coverage lapse between policies.

One bit of advice is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every quote and and to look at as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and the best price selection.

Cheapest car insurance in Raleigh, NC

The providers in the list below are ready to provide price quotes in North Carolina. If you want cheaper auto insurance in Raleigh, we recommend you compare several of them to get the best price comparison.

Nissan Sentra detailed coverage information

The rate table displayed next outlines a range of coverage prices for Nissan Sentra models. Having a good understanding how rate quotes are established can help customers make smart choices when comparing insurance rates.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in garaging location in Raleigh which can affect prices substantially.

An analysis of deductible level

One common question asked by Raleigh drivers is which comprehensive and collision deductibles to buy. The comparisons below can help you understand the cost difference between high and low physical damage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in Raleigh location which can decrease or increase coverage rates greatly.

Based on the data above, we can derive that using a $100 deductible costs about $27 more each month or $324 annually averaged for all Sentra models than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 33 months between claim filings, you would more than likely save some money going with the higher deductible.

The example below shows how different deductible levels and can raise or lower Nissan Sentra premium costs for each age group. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Reckless driving habits raise car insurance rates

The diagram below illustrates how violations and at-fault claims raise Nissan Sentra insurance premiums for different age groups. The premiums are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Annual premiums comparing men and women

The information below illustrates the difference between Nissan Sentra insurance costs for male and female drivers. The premiums are based on no claims or driving citations, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Difference between full coverage and liability only rates

The illustration below illustrates the comparison of Nissan Sentra car insurance rates when comparing full coverage to liability only. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.

Guidelines for eliminating full coverage

There is no exact rule to drop full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your 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 deductibles. If your vehicle is totaled, you would only receive $3,000 after paying your policy deductible. If premium cost is more than $300 a year for your policy with full coverage, then it could be time to drop full coverage.

There are a few cases where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Get cheaper rates by earning discounts

Some providers do not advertise all their discounts very clearly, so the following list contains both well-publicized and the harder-to-find credits available to bring down your rates.

• Telematics Devices – People who choose to allow their company to track driving habits through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they show good driving skills.
• Discounts for Safe Drivers – Drivers without accidents can save as much as half off their rates than drivers with accident claims.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on Sentra insurance in Raleigh.
• Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you could save 5% or more.
• Life Insurance – Select companies reward you with a discounted premium rate on car insurance if you buy a life insurance policy as well.
• Multi-policy Discount – If you can combine your home and auto policy and insure them with the same company you could get a discount of 10% to 20% off each policy.

Don’t be shocked that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

The example below illustrates the comparison of Nissan Sentra insurance prices with and without policy discounts. The data assumes a female driver, no claims or driving citations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.

If you would like to choose from a list of companies who offer insurance discounts in North Carolina, click this link.

What is the best insurance coverage?

Always keep in mind that when comparing insurance from an agent or online, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions could help you determine whether you would benefit from professional advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What does PIP insurance cover?
• What are good deductibles for a Nissan Sentra?
• Am I covered if I hit someone who is not insured?
• What is no-fault insurance?
• Do I need special coverage while pulling a rented trailer?
• Is there a penalty for late payment?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

When to have guidance from a local insurance agent

Certain consumers would prefer to sit down with an agent and that is OK! Experienced insurance agents can point out coverage gaps and will help you if you have claims. The best thing about comparing insurance online is you can get lower rates and also buy local. Supporting local agents is important particularly in Raleigh.

Once you complete this form (opens in new window), the coverage information is emailed to participating agents in Raleigh who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own since price quotes are sent to you instantly. If you have a need to get a rate quote from a specific company, you would need to navigate to their website and fill out their quote form.

Exclusive agents vs. Independent agents

If you need to find an insurance agent, there are a couple of types of insurance agents and how they are slightly different. Insurance policy providers may be either independent or exclusive. Both types of agents can insure your vehicles, but it’s worth learning why they differ because it may have an impact on the type of agent you choose.

Independent Insurance Agencies or Brokers

Agents that choose to be independent are not limited to a single company and that is an advantage because they can write policies with multiple insurance companies and find the cheapest rate. If premiums increase, they simply switch companies in-house and the insured can keep the same agent. If you are comparing insurance prices, we recommend you compare quotes from a couple of independent agencies so that you can do a thorough price comparison.

Below is a short list of independent agents in Raleigh who can help you get price quotes.

More Raleigh agents

Exclusive Agents

Exclusive agencies can usually just insure with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable in insurance sales which helps them sell on service rather than price.

The following are exclusive insurance agents in Raleigh who can help you get price quote information.

More Raleigh agents

Choosing an auto insurance agent shouldn’t rely on just the bottom line cost. You should also get answers to these questions.

• Is auto insurance their primary focus in Raleigh?
• Do they have cheaper tiers of coverage?
• If you raise deductibles, how much can you save?
• Will the company cover a rental car if your car is getting fixed?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• In the event of vehicle damage, can you pick the collision repair facility?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Is working in the agency their full-time job?

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best possible price.

Throughout this article, we presented many ideas to shop for Nissan Sentra insurance online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from a small mutual company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

To learn more, take a look at the articles below:

• How do I File a Claim? (Insurance Information Institute)
• Who Has Affordable Car Insurance Rates for State Employees in Raleigh? (FAQ)
• How Much is Raleigh Auto Insurance for a Toyota Highlander? (FAQ)
• What Insurance is Cheapest for Retired Military in Raleigh? (FAQ)
• How Much is Auto Insurance After a Speeding Ticket in Raleigh? (FAQ)
• Who Has Affordable Auto Insurance for Drivers Over Age 50 in Raleigh? (FAQ)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Auto Insurance Basics (Insurance Information Institute)