Buying cheaper coverage for a Nissan Sentra in Arizona depends on a fairly complex equation with a lot of factors such as how long your commute is, your geographic location, and any prior driving offenses. Arizona drivers pay on average $1,281 annually for Sentra insurance, but that price is a valuation based upon a 30-year-old single female driver with full physical damage coverage and $100 deductibles.
More likely than not, you may not be 30 years old (or even female), you might be married instead of single, or maybe you need higher liability limits than the state minimum. Auto insurance is not the same for everyone, so the best method for finding the cheapest rates for your Nissan is to compare rates from as many companies as possible. Comparing quotes is easy and you will be able to see rates from the best companies that insure vehicles in Arizona.
The specific model of Sentra will influence the annual cost of coverage, so the price you will be charged to insure a Sentra 2 trim level will be $240 less than the price to insure the more expensive Sentra SE-R SPEC V model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$250||$676||$404||$24||$122||$1,476||$123|
|Sentra 2.0 SR||$250||$676||$404||$24||$122||$1,476||$123|
|Sentra 2.0 SL||$286||$676||$404||$24||$122||$1,512||$126|
|Sentra SE-R SPEC V||$286||$778||$404||$24||$122||$1,614||$135|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can change coverage prices significantly.
Tucson insurance company ratings
Buying coverage from the right auto insurance company can be challenging considering how many different insurance companies sell coverage in Arizona. The ranking information listed below could help you decide which auto insurers to look at when looking for cheaper rates. These ratings include companies that insure vehicles across America, so smaller companies are not factored into this list.
Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Major Car Insurance Companies in Tucson Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
The example below demonstrates how deductible levels can change premium costs when trying to find cheap insurance for a Nissan Sentra. The premiums assume a married male driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 30-year-old driver could lower their policy premium by $312 a year by changing from a $100 deductible to a $500 deductible, or save $468 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, can save up to $950 every year just by choosing higher deductibles.
When using a larger deductible, it is important to have enough savings set aside to offset the extra out-of-pocket expense associated with higher deductibles.
Get discounts on Tucson insurance rates
Car insurance companies that provide coverage for a Nissan Sentra may also offer price discounts that can reduce rates by 35% or more if you can meet the requirements. Popular insurance companies and some of the discounts are shown below.
- The Hartford offers discounts for air bag, vehicle fuel type, good student, defensive driver, driver training, anti-theft, and bundle.
- American Family offers premium reductions for accident-free, early bird, good driver, mySafetyValet, and TimeAway discount.
- Progressive has discounts for online quote discount, multi-vehicle, good student, multi-policy, continuous coverage, and homeowner.
- Travelers offers discounts including new car, good student, continuous insurance, home ownership, IntelliDrive, early quote, and multi-policy.
- Farmers Insurance has savings for youthful driver, mature driver, distant student, homeowner, and teen driver.
- USAA discounts include safe driver, vehicle storage, good student, defensive driver, family discount, and annual mileage.
- Liberty Mutual includes discounts for hybrid vehicle, preferred payment discount, teen driver discount, safety features, exclusive group savings, new vehicle discount, and newly married.
The illustration below illustrates the comparison of premium costs with and without discounts applied. The prices are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, multiple policy, passive restraint, marriage, defensive driving course, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Nissan Sentra is 28% or $554.
Don’t make the mistake of not shopping around
Tucson, AZ insurance rates are influenced by many factors that can increase your annual premium. Simply having a birthday, having a claim, or getting a reckless driving citation may generate price changes that may make certain companies much cheaper than others. Additionally, auto insurance companies file new rates at least once a year to adjust for gains or losses. Higher than normal claims may result in rate hikes, while lower claims can cause cheaper Sentra insurance rates.
To illustrate this example, the bar chart below shows which companies have the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with no accidents, a clean driving record, and a decent credit rating. If we estimate rates based on her current risk factors, The Hartford may have the cheapest car insurance rates in Tucson at $1,041 a year. This is $387 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the most affordable Tucson, AZ auto insurance companies.
Now we will pretend the driver from the first example an at-fault accident, less-than-perfect credit, and a few traffic violations. Since each company has a different process to determining premium rates, comparing insurance quotes may result in a new list of cheap Tucson auto insurance companies as shown below.
Progressive now has the best price on car insurance in Tucson with Ameriprise Group, Allied, Auto-Owners, and CSAA now being in the top five. This example proves why consumers need to take the time to perform an extensive rate comparison to find cheap auto insurance rates for a Nissan Sentra. Car insurance prices are influenced by many different factors and can change substantially, so the lowest-price company the last time you shopped around may now not even be in the top five.
How to find the cheapest auto insurance for a Nissan Sentra
Below you’ll find a few thrifty ideas that can help you locate cheaper coverage.
- Do not get tickets or violations
- Do not get into accidents
- Good credit can save money
- Increase your physical damage deductibles
- Buy vehicles with good safety ratings
- Do not pay for full coverage if not needed
- Compare rates often to find the best deal
That last tip is particularly valuable, as was discussed in the prior article. Car insurance rates vary considerably, so don’t hesitate to buy a different policy if a better deal can be had. Staying with the same company for years is fine, but it’s not a good idea if that dedication is costing several hundred dollars every year. Now is a great time to compare prices to find cheaper car insurance for a Nissan Sentra in Tucson.