Buying economical car insurance for a Nissan Sentra is normally pretty easy, but it is dependent upon a lot of rating factors such as how many years you have been driving, your credit status, and your policy deductibles. Drivers pay around $1,321 annually for Sentra insurance, but that amount is an estimate based on a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 50-year-old male, single instead of married, and you may just want the cheapest liability coverage you can find. Not every driver requires the same auto insurance coverages, so the only real way to find affordable rates for your Nissan is to just take the time to compare rates yourself.
The specific model of Sentra impacts the yearly cost, so the price to insure a Sentra 2 will be $246 less than the price to insure the more well-appointed Sentra SE-R SPEC V version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$258||$688||$424||$26||$126||$1,522||$127|
|Sentra 2.0 SR||$258||$688||$424||$26||$126||$1,522||$127|
|Sentra 2.0 SL||$296||$688||$424||$26||$126||$1,560||$130|
|Sentra SE-R SPEC V||$296||$792||$424||$26||$126||$1,664||$139|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in your specific Bakersfield location which can revise rates considerably.
Finding a high-quality insurance provider can be a challenge considering how many different companies insure vehicles in California. The ranking data listed below may help you choose which providers to look at when comparing rates.
The rankings below include companies that insure vehicles across America, so companies that may only write in California are not factored into these rankings. If you wish to compare prices from these and other companies in California, just click here.
Top 10 Large Car Insurance Companies in Bakersfield Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Large Car Insurance Companies in Bakersfield Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Full coverage versus liability only rates
Finding the cheapest insurance should be important to most drivers, and a great way to lower the cost of insurance for a Nissan Sentra is to only buy liability insurance. The chart below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rate quotes are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, comp and collision coverage costs $2,612 per year over liability only. Lot’s of drivers question if it’s worth it to buy full coverage. There is no exact formula that works best for making the decision to drop physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s replacement cost is $7,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,500 after you pay the deductible. If premiums are more than $650 annually to have full coverage, the it may be a good time to stop paying for full coverage.
Cautious Bakersfield drivers save money
The easiest way to maintain the best insurance rates for a Sentra is to be a good driver and maintain a clean driving record. The diagram below illustrates how speeding tickets and at-fault fender-benders can drive up car insurance rates for different age groups of insureds. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $2,254. Get one speeding ticket and the average cost rises to $2,625, an increase of $371 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of insurance for a Nissan Sentra jumps again to an average of $5,795. That’s an increase of $3,541, or $295 per month, just for being a careless driver!
Low rates can quickly become overpriced
Bakersfield insurance rates are impacted by many factors that control the price of coverage. Simply getting older, having a teenage driver, or getting a reckless driving citation can cause premium changes resulting in some companies being cheaper than competitors.
Additionally, insurance companies change prices at least once a year to help ensure profitability. Higher than usual claims may cause rate hikes, while lower claim expenses can cause cheaper Sentra insurance rates.
To help illustrate this point, the graph below shows which companies have the cheapest car insurance in Bakersfield, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and solid credit. If we look at prices based on her personal risk profile, USAA offers the best car insurance rates in Bakersfield at $1,192 per year. This is $459 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA round out the rest of the best Bakersfield, CA auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a chargeable accident, less-than-perfect credit, and a few traffic violations. Due to the fact that each insurance company has a unique formula for setting prices, getting updated rate quotes may now result in a different list of the cheapest car insurance companies in Bakersfield as shown below.
Grange now has the cheapest car insurance in Bakersfield, CA with Mercury, GEICO, Allied, and Progressive also having competitive pricing. This illustrates why it is crucial to compare lots of rates to find the most budget-friendly auto insurance quotes for a Nissan Sentra. Insurance rates are made up of many risk factors and change frequently, so the most economical option when you bought your policy may now be priced much higher than other options.
How to find cheaper auto insurance for a Nissan Sentra
The list below shows many thrifty suggestions that can help drivers quote cheaper car insurance.
- Save money by insuring older vehicles for liability only
- Do not get into accidents that are your fault
- Avoid filing small claims
- Avoid speeding and other traffic citations and pay less
- Higher comprehensive and collision coverage deductibles will save money
- Compare rates regularly to ensure the best deal
That last piece of advice is particularly significant, as we noted in this write-up. Prices charged by companies can change significantly in a year, so drivers shouldn’t be resistant to buy from a new company if a better deal can be had.
Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that dedication is costing a small fortune. If you have a few minutes, compare rates and find cheaper car insurance for a Nissan Sentra in Bakersfield.
If you aren’t sure which coverage to buy and prefer to get help from a professional when shopping for the best coverage for a Sentra, the agents listed below are willing to provide answers to your questions and help you determine which is the best policy.
To locate a Bakersfield car insurance agency close to you, click the button following the list or click here to compare rates now.
Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663
Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961
Jim Windes – State Farm Insurance Agent
3512 Coffee Rd d – Bakersfield, CA 93308 – (661) 588-1001
Dawn Fore – State Farm Insurance Agent
4801 Truxtun Ave #200 – Bakersfield, CA 93309 – (661) 324-2300