Finding the best cheap auto insurance for a Nissan Sentra in New Jersey depends on a complicated rating formula that uses factors such as driver age, the likelihood of your vehicle being stolen, and driving violations and tickets. Drivers will pay around $1,305 per year for Sentra insurance, but that cost is an estimate calculated based on a 30-year-old married female driver with full physical damage coverage and $500 deductibles.
There’s a high likelihood you are not 30 years old and maybe not even female, single instead of married, or maybe your Sentra is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in rating criteria or coverage limits could result in a significant change in the policy cost.
Insurance is an individual thing, so the way we recommend to find cheap insurance rates for your Nissan is to compare as many rates as you can.
The trim level of your Sentra will likely have an effect on the coverage cost, so the price you will pay to insure a Sentra 2 will be $212 cheaper than the insurance cost for the fancier Sentra SE-R SPEC V trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$256||$582||$490||$30||$146||$1,504||$125|
|Sentra 2.0 SR||$256||$582||$490||$30||$146||$1,504||$125|
|Sentra 2.0 SL||$292||$582||$490||$30||$146||$1,540||$128|
|Sentra SE-R SPEC V||$292||$670||$490||$30||$146||$1,628||$136|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in specific location information which can decrease or increase coverage rates substantially.
Insuring your vehicle with the top car insurance company is difficult considering how many choices drivers have in New Jersey. The ranking data in the next section could help you select which companies to look at when shopping around. These rankings include companies that write coverage in many states, so smaller companies that only insure vehicles in New Jersey are not factored into these rankings.
Top 10 Major Car Insurance Companies in Jersey City Ranked by Value
- The Hartford
- Mercury Insurance
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- 21st Century
- State Farm
- American Family
Top 10 Major Car Insurance Companies in Jersey City Ranked by Claims Service
- Liberty Mutual
- State Farm
- 21st Century
- The Hartford
- Farmers Insurance
Types of discounts on Jersey City insurance rates
Insurance providers that offer coverage for a Nissan Sentra may also give you rate discounts that may potentially lower prices by 35% or more if you are eligible. Companies and some of their more popular discounts are included below.
- State Farm has savings for multiple autos, passive restraint, student away at school, defensive driving training, and good student.
- Esurance discounts include Pac-12 alumni, safety device, claim free, emergency road assistance, and DriveSense.
- Progressive includes discounts for online quote discount, multi-vehicle, online signing, homeowner, and continuous coverage.
- Liberty Mutual may offer discounts for multi-policy, good student, teen driver discount, new vehicle discount, preferred payment discount, and newly married.
- Auto-Owners Insurance may include discounts for company car, student away at school, paperless, air bags, safe driver, and safe vehicle.
- GEICO has discounts for anti-lock brakes, good student, military active duty, daytime running lights, seat belt use, and multi-vehicle.
The information below shows the comparison of auto insurance rates with and without policy discounts. The information is based on a male driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, multiple policy, marriage, anti-theft, multiple vehicle, and homeowner discounts applied. When these discounts are applied, the average savings per year on insurance for a Nissan Sentra is 28% or $658.
The chart below demonstrates how deductibles can change premium costs when searching for cheap insurance for a Nissan Sentra. The premiums assume a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
A 30-year-old driver could save $582 a year by changing from a $100 deductible to a $500 deductible, or save $872 by using a $1,000 deductible. Younger drivers, like the age 20 example, could lower their rates up to $1,744 each year by choosing larger deductibles on their policy.
When using a larger deductible, it is important to have enough spare savings to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
The benefits of price comparisons
Jersey City insurance rates are calculated based on many things which can substantially change the price of your policy. Simply having a birthday, getting married, or getting a speeding ticket can cause premium changes resulting in some companies being affordable when they were higher priced.
Not only may your risk profile change, but insurers change premium rates multiple times each year as an adjustment for underwriting gains or losses. Higher than normal claims can cause additional premium costs, while less frequent claims can produce cheaper Sentra insurance rates.
The data below shows which companies have the cheapest car insurance in Jersey City, NJ for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. When comparing rates based on her personal profile, 21st Century may offer the most affordable car insurance rates in Jersey City at $1,480 a year. This is $372 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remainder of the top five cheapest Jersey City, NJ auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a chargeable claim, a lower credit score, and a few blemishes on her driving record. Because each company has their own guidelines to set policy rates, analyzing rates may result in a substantially altered list of affordable companies as shown below.
California Casualty now has the lowest price on auto insurance in Jersey City, NJ with Allstate, USAA, Mercury, and Travelers now rounding out the top five. This example demonstrates why it is important to take the time to shop around when trying to find the most economical auto insurance quotes for a Nissan Sentra. Car insurance prices consist of many things and can increase or decrease at any time, so the best price the last time you checked may now be costing you a lot of money.
How to find cheaper car insurance for a Nissan Sentra
The list below details some penny-pinching suggestions that can help drivers find more affordable coverage.
- Do not file small claims
- Safer vehicles cost less to insure
- Save money by bundling your home and auto policies
- At-fault accidents will increase rates
- You will pay more if you get tickets or have at-fault accidents
- Shop your coverage around for the best deal
The last tip in the list is incredibly valuable, as was discussed in the prior article. Insurance prices adjust frequently, so drivers shouldn’t be reluctant to change to a new company if a better deal can be had. Staying with the same company for years is fine, but it’s not recommended if it’s costing you hundreds of dollars a year. It takes less than five minutes to shop around and find cheaper auto insurance for a Nissan Sentra in Jersey City.
The agencies below can aid you in deciding which coverages you need, as lots of people like to get some guidance when shopping for cheaper insurance for a Nissan Sentra. It can be difficult to find the best policy yourself, so getting advice from a licensed agent can provide you satisfaction knowing your coverage gives you sufficient protection if you have a claim.
To locate a Jersey City auto insurance agent close to you, click the button following the list.
243 Central Ave # 1 – Jersey City, NJ 07307 – (201) 721-6081
Lou Schloss Agency Inc
31 River Ct – Jersey City, NJ 07310 – (201) 626-7589
Alberto Santana – State Farm Insurance Agent
1755 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 332-3344