Who Has Cheap Car Insurance for a Nissan Sentra in Jacksonville?

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Nissan Sentra insurance policy
Nissan Sentra insurance policy image courtesy of QuoteInspector.com

Finding cheaper coverage for a Nissan Sentra in Florida is fairly simple, but it depends on a whole bunch of rating criteria such as your birth date, your profession, and your choice of deductibles. Drivers pay approximately $1,317 each year to insure their Sentra, but that figure is calculated using a 30-year-old single male driver with full coverage and $500 deductibles.

When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even male), possibly married instead of single, and you might want liability-only or different deductibles. Car insurance coverage is unique to each driver, so this is why the only way to find the cheapest insurance price for your Nissan is to do a thorough rate comparison. Price quotes are quick and you will receive price comparisons from the cheapest companies that insure Nissan vehicles in Florida.

Compare Nissan Sentra Insurance Rates

Vehicle trim level impacts the insurance rate, so the rate you will pay to insure a Sentra 2 model will cost $194 less than the insurance cost for the more well-appointed Sentra SE-R SPEC V version, as shown in the prices below.

Nissan Sentra Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $260 $438 $546 $32 $164 $1,440 $120
Sentra 2.0 S $260 $516 $546 $32 $164 $1,518 $127
Sentra 2.0 SR $260 $516 $546 $32 $164 $1,518 $127
Sentra 2.0 SL $298 $516 $546 $32 $164 $1,556 $130
Sentra SE-R $298 $516 $546 $32 $164 $1,556 $130
Sentra SE-R SPEC V $298 $594 $546 $32 $164 $1,634 $136
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific location which can increase or decrease price quotes significantly.

Finding good, cost effective car insurance is difficult, and figuring out which company quotes the best insurance rates for a Nissan Sentra will take a little more work. Each company has their own unique process to set their prices, so let's begin by taking a look at the most competitive insurance companies in Florida.

Keep in mind that Jacksonville insurance rates are determined by lots of factors that may substantially change the policy premium. This price variability is why it is crucial to perform a complete rate comparison to get the best insurance quotes for a Nissan Sentra. Insurance prices can be altered by many things and can decrease or increase without notice, so the best option the last time you shopped your coverage around may now be one of the more expensive options.

Find Cheaper Car Insurance for Your Sentra

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USAA has some of the lowest car insurance rates in Jacksonville at around $957 a year. This is $1,491 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers also rank well as some of the most economical Jacksonville, FL car insurance companies.

As shown above, if you buy coverage from Progressive and switched to Electric, you might realize yearly savings of approximately $117. Insureds with Travelers might save as much as $157 a year, and Mercury policyholders might reduce prices by as much as $202 a year.

These policy prices are averaged for all drivers and vehicles and do not take into consideration a specific zip code for a Nissan Sentra. So the insurer that is best for you may not even be in the top 21 companies in the list above. That's why you need to get car insurance quotes using your own driver and vehicle profiles.

Does it make sense to buy full coverage?

Finding the cheapest insurance is probably important to most people, and a good way to find cheaper insurance for a Nissan Sentra is to buy liability only. The illustration below visualizes the comparison of insurance costs with full coverage compared to only the Florida minimum liability coverage. The costs are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied.

If we average all the age groups together, full coverage on your policy costs an additional $2,989 per year over liability only. That is a large expense and it proposes the question if full coverage is worth the money. There is no written rule to delete physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's assume your vehicle's settlement value is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $7,500 after you pay the deductible. If you are paying over $750 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

You may be paying too much for Sentra insurance

Florida insurance rates are based on many factors that may substantially change the price of coverage. Simply having a birthday, marrying your spouse, or getting a few speeding tickets may prompt premium changes that may make certain companies cheaper in comparison to the competition.

Not only may your risk profile change, but companies file new Florida car insurance rates as often as every three months in order to be able to pay unexpected claims. Heavy losses may result in higher priced premiums, while a lower level of claims can cause cheaper Sentra insurance rates.

To illustrate this example, the data below shows the companies that have the cheapest car insurance in Jacksonville, FL for a 45-year-old female driver with a good driving record, no prior claims, and excellent credit. If we estimate rates based on her personal risk profile, USAA might quote the lowest car insurance rates in Jacksonville at $1,140 a year. This is $1,308 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury are the remainder of the top five cheapest Jacksonville, FL auto insurance companies.

In the next rate comparison, we'll give the driver in the first chart a chargeable claim, a little lower credit rating, and a traffic citation. Since every car insurance company uses their own formula for setting rates, analyzing rates may now result in a new list of cheap Jacksonville auto insurance companies as shown below.

USAA now has the cheapest insurance rate in Jacksonville with Allied, State Farm, Esurance, and Auto-Owners now rounding out the top five. This demonstrates why drivers need to compare rates to find the best insurance quotes for a Nissan Sentra. Car insurance prices are determined by many things and can decrease or increase without notice, so the cheapest rate the last time you checked may now not even be in the top five.