Who Has Affordable Santa Ana Auto Insurance for a Nissan Sentra?

Nissan Sentra insurance cost image courtesy of QuoteInspector.com

Buying competitive auto insurance for a Nissan Sentra doesn't take a lot of effort, but it relies on an enormous amount of factors such as how safe your vehicle is, your occupation, and citations on your driving record. Drivers will pay around $1,388 per year for Sentra insurance, but that figure is a valuation calculated based on a 50-year-old single female driver with full physical damage coverage and $250 deductibles.

The issue with using an average estimated rate is the likelihood you're not a 50-year-old female, maybe you are married instead of single, and maybe you have sub-par credit that needs to be factored in. Even a minor difference in rating criteria or coverage limits can make a large difference in how much coverage for a Nissan Sentra costs.

Having different needs demonstrates why the best way to find cheap auto insurance rates for your Nissan is to do a thorough rate comparison.

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The trim level of your Sentra can impact the insurance rate, so the price you will be charged to insure a Sentra 2 trim level will be $238 cheaper than the cost to insure the higher-priced Sentra SE-R SPEC V trim level, as shown in the chart below.

Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific zip code location which can raise or lower rates noticeably.

Ratings for California insurance companies

Finding a highly-rated insurance company can be a challenge considering how many companies provide coverage in California. The company rank data in the next section could help you select which insurers to look at purchasing from.

These ratings only include companies who write in the majority of U.S. states, so smaller regional companies will not be included in the list. To view rates from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurance Providers Overall in Santa Ana

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Impact of violations and accidents on rates in Santa Ana

In a perfect world, the ideal way to score the most affordable insurance rates in Santa Ana for a Sentra is to drive safe and not receive tickets or have accidents. The example below demonstrates how speeding tickets and accidents can influence annual premium costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

In the prior example, the average cost of car insurance in Santa Ana per year with no accidents and a clean driving record is $2,482. Add in one speeding ticket and the average cost hikes up to $2,814, an increase of $333 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of insurance for a Nissan Sentra goes up to an average of $5,760. That's an increase of $3,279, or $273 per month, just for being a little careless behind the wheel!

The illustration below highlights how deductible selection can affect annual premium costs when researching cheap insurance for a Nissan Sentra. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

A 50-year-old driver could cut expenses by $346 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $522 by changing to a $1,000 deductible. Even younger drivers, like the age 20 example, could possibly save $862 annually by selecting a higher deductible. If you do raise deductibles, it is necessary to have additional funds in a savings account to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

How to find economical auto insurance for a Nissan Sentra

It is possible to find better rates, and here are some of the recommended thrifty ideas that can help drivers quote more affordable coverage.

• Safer vehicles cost less to insure
• Increase physical damage deductibles
• Better credit rating means better rates
• Prevent rate increases by staying accident-free
• Avoid getting citations and tickets
• On older vehicles, drop full coverage
• Compare rates often to find the best deal

That final tip is extraordinarily significant, as was affirmed in this piece. Prices charged by companies in Santa Ana vary greatly, so don't be tentative to switch to a new company if a more affordable rate is found. Many consumers stick with the same company and that's fine, but it isn't a good idea if it's costing you big bucks every year. Now is a great time to shop around to find cheaper car insurance for a Nissan Sentra.

The Santa Ana auto insurance agencies shown below are a good start to provide answers to your questions and help you determine which coverages you need, since lots of drivers aren't clear which coverage they need and would like to have a little guidance when shopping for the best coverage for a Nissan Sentra. It can be difficult to find the cheapest auto insurance company, and insurance agents can provide satisfaction knowing you have adequate protection.

To locate a Santa Ana car insurance agency using an interactive map, click the button at the bottom or click here to compare price quotes.

View map of Santa Ana, CA insurance agents