Best Ways to Save on Las Vegas Nissan Sentra Insurance

Discount Nissan Sentra insuranceSmart shoppers know that auto insurance companies don’t want you shop around. Consumers who do rate comparisons are inclined to move their business because of the good chance of finding a policy with better rates. A study discovered that people who regularly shopped around saved $860 a year as compared to drivers who never shopped around for lower prices.

If finding the most affordable auto insurance is why you’re reading this, then learning about how to choose a company and compare car insurance can save time and money.

The recommended way to get low-cost Nissan Sentra insurance in Las Vegas is to regularly compare quotes from providers who provide car insurance in Nevada. Price quotes can be compared by following these steps.

An essential thing to point out is that you’ll want to make sure you compare identical coverages on each quote and and to get rate quotes from all possible companies. This helps ensure a fair price comparison and the best price selection.

There are several ways to obtain and compare prices from local Las Vegas auto insurance companies. The simplest method to find cheaper rates is simply to get online rate quotes.

Doing price comparisons online is so simple that it makes it a waste of time to go to all the different Las Vegas insurance agencies. The internet can eliminate the need for a local agent unless you have a complicated situation and need the professional guidance of a licensed agent. Some companies do allow you to get prices online and get advice from an agent in your area.

Just keep in mind that quoting more gives you a better chance of getting more affordable rates.

The companies shown below offer price quotes in Las Vegas, NV. To find the best auto insurance in Las Vegas, we recommend you visit as many as you can to get the best price comparison.

Why car insurance is not optional

Even though it’s not necessarily cheap to insure a Nissan in Las Vegas, insuring your vehicle may not be optional for several reasons.

The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Nevada overpays as much as $865 each year so compare quotes from several companies each time the policy renews to ensure rates are inline.

Car insurance statistics and figures

The data table shown below outlines a range of insurance premium costs for Nissan Sentra models. Learning a little about how auto insurance policy rates are determined can help drivers make smart choices when comparing insurance rates.

Nissan Sentra Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $198 $470 $348 $20 $104 $1,140 $95
Sentra 2.0 S $198 $554 $348 $20 $104 $1,224 $102
Sentra 2.0 SR $198 $554 $348 $20 $104 $1,224 $102
Sentra 2.0 SL $228 $554 $348 $20 $104 $1,254 $105
Sentra SE-R $228 $554 $348 $20 $104 $1,254 $105
Sentra SE-R SPEC V $228 $636 $348 $20 $104 $1,336 $111
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in vehicle garaging location which can raise or lower insurance rates significantly.

Analysis of deductible levels

One of the most common car insurance questions is where to set your physical damage deductibles. The data tables below may aid in understanding how much more you’ll pay between high and low coverage deductibles. The first data set uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Nissan Sentra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $208 $402 $308 $18 $92 $1,053 $88
Sentra 2.0 S $208 $472 $308 $18 $92 $1,123 $94
Sentra 2.0 SR $208 $472 $308 $18 $92 $1,123 $94
Sentra 2.0 SL $238 $472 $308 $18 $92 $1,153 $96
Sentra SE-R $238 $472 $308 $18 $92 $1,153 $96
Sentra SE-R SPEC V $238 $544 $308 $18 $92 $1,225 $102
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Nissan Sentra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $168 $324 $308 $18 $92 $910 $76
Sentra 2.0 S $168 $382 $308 $18 $92 $968 $81
Sentra 2.0 SR $168 $382 $308 $18 $92 $968 $81
Sentra 2.0 SL $194 $382 $308 $18 $92 $994 $83
Sentra SE-R $194 $382 $308 $18 $92 $994 $83
Sentra SE-R SPEC V $194 $438 $308 $18 $92 $1,050 $88
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in vehicle garaging location which can increase or decrease auto insurance rates significantly.

Based on these figures, using a $250 deductible would cost the average driver about $13 more each month or $156 a year across all Nissan Sentra models than requesting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claim filings, you would probably come out ahead if you opt for a higher deductible.

Rate difference between full and liability-only coverage

The information below visualizes the comparison of Nissan Sentra car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no exact rule of when to exclude comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your Nissan Sentra replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying your policy deductible. If premiums are more than $700 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some scenarios where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.

Don’t neglect these premium slashing discounts

Auto insurance is not cheap nor is it fun to buy but there are discounts available that you may not even be aware of. Some trigger automatically at the time of purchase, but a few must be asked for before they will apply.Cheaper auto insurance with discounts

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.

The chart below shows the difference between Nissan Sentra car insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, Nevada state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, multi-policy, marriage, and claim-free discounts applied.

A list of companies and the discounts they provide can be found below.

When quoting, ask all companies you are considering how you can save money. Some discounts may not apply to policies in your state.