Tired of scraping the payment together to buy insurance? You’re in the same situation as many other Florida drivers.
Unthinkable but true, almost 70% of insureds kept buying from the same company for at least the last four years, and 38% of drivers have never compared rate quotes at all. With the average insurance premium being $2,160, Florida drivers could save 55% every year just by getting comparison quotes, but they just don’t understand the benefits if they bought a different policy. People have many car insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it can be more difficult to adequately compare rates for Nissan Sentra insurance in Jacksonville.
Finding and comparing the best policy in Jacksonville is not as confusing as people think. If you have coverage now or want to find a cheaper company, you can use these tips to cut your premiums and possibly find even better coverage. Comparison shoppers only have to learn the proper methods to shop online from multiple companies.
Verify you’re getting every discount
Car insurance companies don’t always publicize all possible discounts very clearly, so the below list has some of the best known and also the more inconspicuous credits available to lower your premiums when you buy Jacksonville car insurance online.
- Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums.
- Own a Home and Save – Owning a house in Jacksonville can save a few bucks since home ownership demonstrates responsibility.
- Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote Jacksonville car insurance with select insurance companies.
- Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of up to 20% and get you inexpensive Nissan Sentra insurance in Jacksonville.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, nobody gets a free ride.
The information below compares Nissan Sentra car insurance rates with and without discounts applied. The prices are based on a female driver, no violations or accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.
A few companies that may offer quotes with these benefits possibly include:
Before you buy a policy, ask every company how you can save money. Some of the discounts discussed earlier might not be available to policyholders everywhere. To see auto insurance companies that provide some of the discounts listed above in Florida, click here to view.
How to buy Nissan Sentra insurance online
The companies in the list below are ready to provide comparison quotes in Jacksonville, FL. If multiple companies are listed, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.
Nissan Sentra insurance statistics and information
The coverage information below outlines different insurance rates for Nissan Sentra models. Understanding how insurance quotes are determined can assist in making informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$150||$394||$472||$28||$142||$1,186||$99|
|Sentra 2.0 SR||$150||$394||$472||$28||$142||$1,186||$99|
|Sentra 2.0 SL||$172||$394||$472||$28||$142||$1,208||$101|
|Sentra SE-R SPEC V||$172||$454||$472||$28||$142||$1,268||$106|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in garaging location in Jacksonville which can increase or decrease insurance rates substantially.
Price comparison of only insuring for liability
The chart below visualizes the comparison of Nissan Sentra car insurance rates with full physical damage coverage compared to only buying liability only. The data is based on no violations or claims, $250 deductibles, marital status is single, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive guideline to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Nissan Sentra replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after you pay the deductible. If it’s costing you more than $200 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
You Can Change Your Insurance Costs
Part of the insurance buying process is learning a few of the rating criteria that go into determining the level of your policy premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that may reward you with big savings. Many different elements are considered when you get your auto insurance bill. A few of the factors are predictable like your driving record, but some are more obscure like your vehicle usage and annual miles driven.
Do you really need the extra policy coverages? – There are a lot of optional add-on coverages that can add up but may not be useful. Coverage for things like coverage for rental cars, accident forgiveness, and additional equipment coverage may not be needed and are just wasting money. They may seem good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
Protect yourself with liability coverage – Liability insurance will protect you in the event that you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
Being married reduces risk – Your spouse may earn you lower rates on your insurance bill. Marriage translates into being more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
More policies can equal more savings – The majority of insurance companies afford discounts to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten percent or more. Even if you qualify for this discount already, drivers will still want to compare Nissan Sentra rates in Jacksonville to make sure you are getting the best deal. Drivers may still save money even if you insure with multiple companies
Rates are impacted by vehicle performance – The performance of the car or truck you are buying insurance for makes a huge difference in the rate you pay. Lower performance four cylinder passenger cars usually are quite affordable to insure, but there are many factors that impact the final cost.
The chart below uses these assumptions: married male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Nissan Sentra car insurance rates compared to other makes and models that have different performances.
Loss statistics for a Nissan Sentra – Insurance companies use past loss statistics for each vehicle when determining insurance rates. Models that the statistics show to have higher prevalence or dollar amount of losses will have higher premium rates.
The table below shows the insurance loss data used by companies for Nissan Sentra vehicles. For each coverage category, the claim probability for all vehicles, without regard to make or model, is a value of 100. Values under 100 suggest losses that are better than average, while numbers shown that are more than 100 show a trend for more claims or a tendency for losses to be larger than average.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance agents can find coverage gaps
Some consumers just want to get advice from a local agent and that can be a smart move Licensed agents can help you choose the best coverages and help in the event of a claim. A good thing about comparing rates online is that you can find the lowest rates and still buy from a local agent. Buying from neighborhood insurance agencies is definitely important in Jacksonville.
To find an agent, once you fill out this form (opens in new window), the coverage information is submitted to agents in your area that can provide free Jacksonville car insurance quotes and help you find cheaper coverage. There is no need to visit any agencies because quoted prices will be sent immediately to you. If you have a need to quote rates from one company in particular, don’t hesitate to search and find their rate quote page to submit a rate quote request.
If you’re trying to find a local agent, you need to know there are two different agency structures and how they work. Jacksonville agents are categorized either independent agents or exclusive agents. Both insure your vehicles, but it’s important to know the differences because it can factor into your agent selection.
Independent Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies and that allows them to write policies amongst many companies and help determine which has the cheapest rates. If premiums increase, your agent can switch companies which requires no work on your part. When searching for an agent, you definitely need to compare quotes from several independent agencies to get the best comparison.
Featured below are independent insurance agents in Jacksonville that may be able to give you competitive price quotes.
These agents work for only one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are very knowledgeable on what they offer which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive insurance agencies in Jacksonville willing to provide comparison quotes.
Choosing the best auto insurance agent should depend on more than just the quoted price. Ask your prospective agent these questions:
- What are the financial ratings for the companies they represent?
- Which family members are covered?
- How are claims handled?
- Can they help ensure a fair claim settlement?
- Do they have designations such as AIC, CPCU, or CIC?
After talking to the agent and getting acceptable answers for all questions you ask as well as offering an affordable quote, you may have just found an insurance agency that is professional and can insure your vehicles. Just be aware that you are able to terminate coverage whenever you choose to so never feel that you are permanently stuck with the insurance policy for the full policy term.
Three good reasons to insure your vehicle
Despite the fact that insurance is not cheap in Jacksonville, paying for insurance may not be optional for several reasons.
First, most states have compulsory liability insurance requirements which means state laws require a minimum amount of liability coverage in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your vehicle with a loan, it’s most likely the lender will have a requirement that you have insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Nissan for a much higher rate and make you pay a much higher amount than you were paying before.
Third, insurance preserves both your Nissan Sentra and your assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Nissan as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, especially for larger claims. The average driver in Florida overpays as much as $855 a year so you should quote rates at least once a year to be sure current rates are still competitive.
Quote. Compare. Save.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. The goal is to get the best coverage possible at the best possible price, not the least amount of coverage.
More affordable car insurance in Jacksonville can be sourced on the web and also from your neighborhood Jacksonville agents, and you need to comparison shop both to have the best selection. A few companies do not provide online rate quotes and many times these regional carriers only sell coverage through independent insurance agencies.
How to buy cheaper Nissan Sentra insurance in Jacksonville
If you want to save money, the best way to find lower priced Nissan Sentra insurance is to do an annual price comparison from insurers who provide auto insurance in Jacksonville.
First, it will benefit you to learn about what coverages are included in your policy and the things you can change to keep rates down. Many rating factors that result in higher rates such as at-fault accidents, careless driving, and an imperfect credit history can be amended by making minor driving habit or lifestyle changes.
Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the price quotes to the price on your current policy and see if you can save money. If you can save some money and change companies, make sure coverage does not lapse between policies.
Fourth, tell your current company to cancel your current policy and submit the application along with any required down payment for your new coverage. As soon as you receive it, safely store the certificate of insurance in an easily accessible location.
A crucial key to this process is that you’ll want to compare identical limits and deductibles on each price quote and and to analyze as many different insurance providers as possible. This ensures a fair price comparison and the best rate selection.
Even more information is located at these sites:
- What to do at the Scene of an Accident (Insurance Information Institute)
- Who Has the Cheapest Jacksonville Auto Insurance Quotes for Real Estate Agents? (FAQ)
- Who Has Affordable Jacksonville Car Insurance Quotes for a Toyota Corolla? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)