Best Rate Quotes for Nissan Sentra Insurance in Dallas

Insurance for Nissan SentraIf you want to save the most money, the best way to find cheaper quotes for Nissan Sentra insurance is to make a habit of comparing prices annually from insurance carriers who sell auto insurance in Dallas.

Step 1: Take a little time to learn about how companies set rates and the things you can change to prevent high rates. Many rating criteria that cause rate increases such as tickets, at-fault accidents, and bad credit can be remedied by making minor driving habit or lifestyle changes.

Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can give you price quotes from multiple insurance companies.

Step 3: Compare the new quotes to your existing rates to see if cheaper Sentra coverage is available. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

One important bit of advice is to make sure you’re comparing the same coverage limits and deductibles on each quote request and and to get quotes from as many car insurance companies as possible. Doing this guarantees a fair rate comparison and and a good selection of different prices.

Sad but true, almost 70% of drivers in Texas have remained with the same insurance company for more than four years, and roughly 40% of drivers have never taken the time to shop around. American drivers can save as much as $859 each year just by shopping around, but most tend to underestimate the large savings they would see if they changed companies.

You may qualify for discounts for Nissan Sentra insurance in Dallas

Insurance can cost an arm and a leg, but you might find some hidden discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few must be asked about before you will receive the discount. If you do not double check each discount available, you are throwing money away.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

The chart below compares Nissan Sentra premium costs with and without discounts applied to the policy premium. The rates are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, safe-driver, marriage, and claim-free discounts applied.

Auto insurance companies that may offer policyholders some of the discounts shown above may include but are not limited to:

When getting a coverage quote, ask all the companies how you can save money. Savings might not be available to policyholders in Dallas. To view providers with significant discounts in Texas, click here to view.

The easiest way to compare car insurance company rates for Nissan Sentra insurance in Dallas is to know the fact almost all companies will pay a fee to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details like how old drivers are, your job, if the vehicle is leased, and how much education you have. That rating data is instantly sent to many different companies and they return quotes with very little delay.

To find lower cheap Nissan Sentra insurance rates now, click here then complete the form.

The auto insurance companies shown below are ready to provide quotes in Texas. If several companies are displayed, we suggest you visit several of them in order to get a fair rate comparison.

Facts and figures for Nissan Sentra insurance

The rate information shown below showcases different insurance costs for Nissan Sentra models. Having insight into how prices are figured can aid in making informed purchases.

Nissan Sentra Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $122 $260 $358 $22 $108 $870 $73
Sentra 2.0 S $122 $306 $358 $22 $108 $916 $76
Sentra 2.0 SR $122 $306 $358 $22 $108 $916 $76
Sentra 2.0 SL $140 $306 $358 $22 $108 $934 $78
Sentra SE-R $140 $306 $358 $22 $108 $934 $78
Sentra SE-R SPEC V $140 $352 $358 $22 $108 $980 $82
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in zip code location which can increase or decrease premium rates substantially.

Deductible comparison

When shopping for car insurance, a common question is how low should you set your deductibles. The premium rates below lay out the costs and benefits when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.

Nissan Sentra insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $256 $496 $382 $22 $114 $1,295 $108
Sentra 2.0 S $256 $584 $382 $22 $114 $1,383 $115
Sentra 2.0 SR $256 $584 $382 $22 $114 $1,383 $115
Sentra 2.0 SL $294 $584 $382 $22 $114 $1,421 $118
Sentra SE-R $294 $584 $382 $22 $114 $1,421 $118
Sentra SE-R SPEC V $294 $672 $382 $22 $114 $1,509 $126
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Nissan Sentra insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $208 $400 $382 $22 $114 $1,126 $94
Sentra 2.0 S $208 $472 $382 $22 $114 $1,198 $100
Sentra 2.0 SR $208 $472 $382 $22 $114 $1,198 $100
Sentra 2.0 SL $240 $472 $382 $22 $114 $1,230 $103
Sentra SE-R $240 $472 $382 $22 $114 $1,230 $103
Sentra SE-R SPEC V $240 $542 $382 $22 $114 $1,300 $108
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in zip code location which can affect auto insurance rates considerably.

We can derive from the above data that using a $250 deductible would cost the average driver about $16 more each month or $192 a year than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 16 months between claim filings, you would come out ahead by selecting a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $117
Average monthly premium for $500 deductibles (subtract): – $101
Monthly savings from raising deductible: $16
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

The illustration below highlights how deductible selection and can change Nissan Sentra insurance prices for each different age category. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Full coverage versus liability only rates

The example below shows the comparison of Nissan Sentra annual premium costs when comparing full coverage to state minimum liability only. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no specific rule to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Nissan Sentra replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $6,000 after you pay the deductible. If it’s costing in excess of $600 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Six factors that influence insurance costs

Lots of factors are considered when premium rates are determined. Some factors are common sense such as your driving history, but some are more transparent like where you live or your commute time. Consumers need to have an understanding of the different types of things that help calculate the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that could result in big savings.

The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set your rate level.

Auto insurance agents are professional risk managers

A lot of people prefer to buy from a licensed agent. Experienced insurance agents can make sure you are properly covered and help in the event of a claim. The best thing about comparing insurance prices online is you may find lower rates and still buy from a local agent. And supporting neighborhood insurance agencies is important particularly in Dallas.

Insurance agents in DallasFor easy comparison, once you complete this short form, the coverage information is sent to local insurance agents who can give free rate quotes for your business. You won’t even need to do any legwork since price quotes are sent immediately to you. If you wish to get a comparison quote from a specific insurance company, you can always visit that company’s website and complete a quote there.

Types of car insurance agents

When narrowing the list to find local Dallas agents, you must know there are a couple different types of agents and how they differ in how they can insure your vehicles. Insurance agencies in Dallas are categorized either independent or exclusive depending on the company they work for. Either can insure your vehicles, but we need to point out the difference in the companies they write for because it may have an impact on the selection process.

Independent Car Insurance Agents (or Brokers)

Independent agencies are not restricted to one company and that allows them to write policies amongst many companies and find you cheaper rates. To move your coverage to a new company, they simply switch companies in-house and the insured can keep the same agent. When shopping rates, you need to include rate quotes from several independent agencies to ensure the widest selection of prices.

Shown below is a short list of independent agents in Dallas that can possibly get you pricing information.

13111 N Central Expy Suite 8001Dallas, TX 75243(888) 797-1924View Map

Stewart Insurance Agency
437 W 12th StDallas, TX 75208(214) 948-7600View Map

6300 Samuell Blvd #05Dallas, TX 75228(214) 275-8372View Map

More Dallas agents

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only provide pricing for a single company such as American Family, State Farm, and Allstate. These agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on sales techniques and that enables them to sell even at higher rates.

Listed below is a short list of exclusive agents in Dallas willing to provide price quotes.

4444 W Jefferson Blvd Ste 620Dallas, TX 75211(214) 331-7680View Map

9661 Audelia Rd #111Dallas, TX 75238(214) 328-8282View Map

3427 E Trinity Mills Rd #601Dallas, TX 75287(972) 306-1234View Map

More Dallas agents

Selecting an car insurance agent needs to be determined by more than just a cheap price. Any agent in Dallas should have no problem answering these questions:

If you receive good feedback to your questions and a low price estimate, chances are good that you have found a car insurance agent that is reputable and can service your policy.

Best reasons to buy insurance in Texas

Despite the high cost of buying insurance for a Nissan Sentra in Dallas, insurance is required in Texas but also provides important benefits.

First, just about all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Nissan Sentra, almost every bank will have a requirement that you have insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Nissan for a much higher rate and require you to pay much more than you were paying before.

Third, insurance protects both your vehicle and your assets. It will also reimburse you for many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of buying insurance more than cancel out the cost, especially if you ever need it. Today the average American driver is wasting up to $800 each year so compare rates each time the policy renews to help ensure money is not being wasted.

Persistent drivers can save

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

Budget-conscious Nissan Sentra insurance can be bought from both online companies and from local agencies, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers work with independent insurance agencies.

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