Finding economical insurance for a Nissan Sentra relies on a lot of different factors such as your birth date, your residence address, and if you have a history of accidents. Drivers in Oklahoma will pay around $1,612 per year to insure their Sentra, but that amount is calculated using a 40-year-old single female driver with full coverage and $250 deductibles.
There’s a high likelihood you may not be 40 years old (or even female), maybe you are married instead of single, or you just prefer to insure for liability only. Not every driver requires the same auto insurance coverages, so the only way to find cheap insurance prices for your Nissan is to compare as many rates as possible. Quotes are always free and you can get rates from some of the cheapest companies in Oklahoma.
Vehicle trim level impacts price, so the rate you will pay to insure a Sentra 2 will be $278 cheaper than the cost to insure the more costly Sentra SE-R SPEC V version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$290||$778||$584||$34||$174||$1,860||$155|
|Sentra 2.0 SR||$290||$778||$584||$34||$174||$1,860||$155|
|Sentra 2.0 SL||$332||$778||$584||$34||$174||$1,902||$159|
|Sentra SE-R SPEC V||$332||$896||$584||$34||$174||$2,020||$168|
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Prices do not factor in garaging location in Oklahoma City which can revise rates substantially.
Choosing the right car insurance provider can be difficult considering how many different companies there are to choose from in Oklahoma City. The ranking information shown below could help you select which auto insurance companies you want to consider putting your business with.
These rankings are only comprised of the largest companies in the United States, so smaller companies are not factored into the list. To compare rates from these top-rated insurers and more, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The illustration below highlights how deductible selection can influence insurance costs when trying to find cheap insurance for a Nissan Sentra. The rate quotes are based on a single male driver, full coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower rates by $560 a year by changing from a $100 deductible up to a $500 deductible, or save $842 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could roll back prices up to $1,668 or more by choosing a higher deductible.
If you do make the decision to raise your deductibles, it will be important to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How much more does full coverage cost in Oklahoma City?
Buying cheaper auto insurance should be important to most vehicle owners, and one of the best ways to save on the cost of insurance for a Nissan Sentra is to only buy liability coverage. The diagram below compares auto insurance costs with and without full coverage. The information is based on no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Averaged out for all age groups, full coverage on your policy costs $2,186 per year more than carrying just liability coverage. Lot’s of drivers question if buying full coverage is worth the money. There isn’t a steadfast formula of when to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
There are a few cases where only buying liability is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Get discounts on Oklahoma City insurance rates
Car insurance companies that provide coverage for a Nissan Sentra may also give you special discounts that may potentially lower prices by 35% or more if you meet specific eligibility requirements. A list of companies and a partial list of their discounts are included below.
- Esurance policyholders can earn discounts including defensive driver, Pac-12 alumni, homeowner, good driver, multi-car, safety device, and multi-policy.
- The Hartford discounts include vehicle fuel type, defensive driver, bundle, anti-theft, driver training, good student, and air bag.
- AAA includes discounts for pay-in-full, good student, AAA membership discount, multi-policy, good driver, multi-car, and anti-theft.
- GEICO offers discounts including multi-policy, seat belt use, emergency military deployment, defensive driver, anti-theft, and driver training.
- State Farm offers premium reductions for good student, passive restraint, defensive driving training, Steer Clear safe driver discount, driver’s education, and anti-theft.
The diagram below shows the comparison of insurance premiums with and without discounts. The information is based on a male driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with accident-free, anti-theft, passive restraint, vehicle safety, safe-driver, and defensive driving course discounts applied. When these discounts are applied, the average savings per year on auto insurance for a Nissan Sentra is 28% or $884.