Car Insurance Rates for a Nissan Sentra in Tucson

Insurance for Nissan SentraWould you like an easy way to compare cheaper car insurance rates in Tucson, AZ? Tucson consumers have options when looking for the best price on Nissan Sentra insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to make rate comparisons. There is a better way to buy car insurance so you’re going to learn the proper way to compare rates for a new or used Nissan and get the lowest price from Tucson insurance agents and online providers.

Smart consumers take time to compare prices before your next renewal because prices are variable and change quite frequently. If you had the lowest rates on Nissan Sentra insurance in Tucson at your last renewal other companies may now be cheaper. Forget all the misinformation about car insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.

The companies shown below offer quotes in Tucson, AZ. To find cheap auto insurance in Tucson, AZ, we recommend you visit as many as you can to get a more complete price comparison.

Data for Nissan Sentra insurance

The rate table shown next covers different rate quotes for Nissan Sentra models. Having a better understanding of how rate quotes are determined is important to be able to make smart choices when buying a car insurance policy.

Nissan Sentra Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $120 $278 $390 $24 $116 $928 $77
Sentra 2.0 S $120 $326 $390 $24 $116 $976 $81
Sentra 2.0 SR $120 $326 $390 $24 $116 $976 $81
Sentra 2.0 SL $138 $326 $390 $24 $116 $994 $83
Sentra SE-R $138 $326 $390 $24 $116 $994 $83
Sentra SE-R SPEC V $138 $376 $390 $24 $116 $1,044 $87
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in zip code location which can revise prices noticeably.

The diagram below illustrates how your choice of deductibles and can impact Nissan Sentra insurance costs for different age categories. Data assumes a single male driver, full physical damage coverage, and no discounts are factored in.

Careless drivers pay higher rates

The example below demonstrates how citations and fender-benders can influence Nissan Sentra premium costs for different categories of driver ages. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Full coverage rates compared to liability-only

The example below visualizes the comparison of Nissan Sentra auto insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or violations, $100 deductibles, single marital status, and no discounts are applied.

When to stop buying full coverage

There is no definitive formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Nissan Sentra replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after you pay the deductible. If it’s costing in excess of $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Get cheaper Nissan Sentra insurance in Tucson with discounts

Car insurance is not cheap, but you may find discounts that many people don’t even know exist. Some trigger automatically at the time of purchase, but a few must be manually applied before being credited.Discount car insurance

Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, you’re out of luck.

The diagram below compares Nissan Sentra auto insurance rates with and without discounts applied to the rates. The premiums assume a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-policy, safe-driver, and multi-car discounts applied.

Car insurance companies that possibly offer some of the discounts shown above include:

It’s a good idea to ask each insurance company to give you their best rates. Depending on the company, some discounts may not be available in Tucson. To find providers with the best Nissan Sentra insurance discounts in Tucson, follow this link.

It may be expensive, but it’s not optional

Despite the high insurance cost for a Nissan Sentra in Tucson, buying car insurance is not optional due to several reasons.

First, almost all states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Nissan Sentra has a lienholder, more than likely the lender will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank will be required to insure your Nissan at a more expensive rate and require you to fork over for the much more expensive policy.

Third, insurance safeguards both your car and your personal assets. It will also cover hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Nissan as the result of the weather or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance more than cancel out the cost, especially with large liability claims. The average driver in America is overpaying more than $865 each year so compare rates each time the policy renews to ensure rates are competitive.

Buying auto insurance from Tucson insurance agents

A lot of people would prefer to go talk to an agent and doing that can be a smart decision Insurance agents can help determine the best coverages and help submit paperwork. One of the benefits of getting online price quotes is that you can find better rates and also buy local.

Insurance agency in TucsonOnce you complete this quick form, the quote information is emailed to local insurance agents in Tucson that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house because prices are sent immediately to you. If you have a need to get a comparison quote for a specific company, you just need to find their quoting web page and submit a quote form there.

Selecting an insurance company needs to be determined by more than just the price. A good agent in Tucson will have answers to these questions.

If you are searching for local Tucson agents, you must know there are a couple types of insurance agents and how they are distinctly different. Agents in Tucson can be described as either independent or exclusive. Either one can provide auto insurance policies, but it’s worth mentioning why they differ because it can impact the type of agent you choose.

Exclusive Insurance Agents

Agents of this type are contracted to one company and examples are American Family, State Farm, and Allstate. These agents are not able to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are trained well on their products and sales techniques which helps them compete with independent agents. Some insured continue to buy insurance from these agents primarily because of the prominent brand name and solid financial strength.

The following are Tucson exclusive insurance agencies willing to provide rate quotes.

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Independent Agents

Agents that choose to be independent are appointed with more than one company so they can quote policies with lots of companies depending on which coverage is best. If prices rise, they can switch companies in-house and you don’t have to do anything. When shopping rates, it’s a good idea to include rate quotes from a few independent agents to get the best comparison. A lot of them also have access to lesser-known insurance companies who may have lower rates.

The following are independent agencies in Tucson who can help you get price quote information.

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If you feel you receive acceptable answers to all your questions and an affordable coverage quote, you’ve probably found an insurance agency that is a good match to insure your vehicles.