Car Insurance Rate Quotes for a Nissan Sentra in Los Angeles

Did you make the mistake of buying an overpriced auto insurance policy? You’re in good company because many Los Angeles consumers feel financially strained by their auto insurance policy.

It’s safe to conclude that insurance companies want to keep you from comparing prices. People who compare other rates are very likely to switch companies because there is a good chance of finding a more affordable policy premium. Remarkably, a study showed that people who made a habit of comparing rate quotes saved about $72 a month compared to policyholders who didn’t regularly shop around.

If finding the cheapest price for Nissan Sentra insurance in Los Angeles is why you’re reading this, knowing the best way to quote and compare coverage rates can save time and money. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and it can be hard to see through the deception and take the time to shop coverage around.

How much does Nissan Sentra insurance in Los Angeles cost?

All the larger car insurance companies such as 21st Century, Allstate and State Farm provide price estimates direct online. Getting online quotes for Nissan Sentra insurance in Los Angeles is pretty painless as you just enter your required coverages into a form. Once you submit the form, their quoting system will order your driving and credit reports and quotes a price determined by many factors. Quoting online for Nissan Sentra insurance in Los Angeles makes it easy to compare insurance prices and it’s necessary to get many rate quotes if you want to find lower-cost rates.

In order to compare pricing, consider comparing rates from the companies shown below. If you have coverage now, it’s recommended you enter the coverages as close as possible to your current policy. This helps ensure you’re receiving a rate comparison for similar insurance coverage.

The providers in the list below are our best choices to provide price quotes in California. If multiple companies are listed, we suggest you get rates from several of them to get the best price comparison.

Get cheaper Nissan Sentra insurance rates in Los Angeles

Car insurance can cost a lot, but there’s a good chance there are discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some discounts are required to be manually applied prior to getting the savings.

• Sign Early and Save – A few car insurance companies allow discounts for switching companies prior to your current Sentra insurance policy expiring. This discount can save up to 10%.
• Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. The discount lasts up to age 25.
• Anti-lock Brake Discount – Cars with anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
• Drive Less and Save – Driving less may enable drivers to earn lower premium rates due to less chance of an accident.
• Defensive Driver Discount – Taking a defensive driver course can save you 5% or more and make you a better driver.
• Discount for New Cars – Buying coverage on a new vehicle can save you some money compared to insuring an older model.

Remember that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

The information below illustrates the difference between Nissan Sentra auto insurance rates with and without discounts. Data assumes a male driver, no violations or accidents, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, claim-free, and homeowner discounts applied.

To view insurers that offer some of these discounts in California, click here to view.

Insurance coverage analysis

The table below outlines different rate quotes for Nissan Sentra models. Having a good grasp of how insurance premiums are figured can aid in making informed decisions when comparing rate quotes.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in Los Angeles location which can revise coverage rates substantially.

Higher deductibles save money

A question often asked by Los Angeles drivers is how low should you set your deductibles. The rates shown below can help show the cost difference when you buy lower versus higher coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific location information which can affect premium rates substantially.

Based on these figures, using a $100 deductible costs roughly $47 more each month or $564 each year averaged for all Sentra models than choosing the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 19 months between claims, you would save more money if you choose the higher deductible.

Save Money with These Tips

Lots of things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, but some are not as apparent such as your credit history or your commute time. It’s important that you understand some of the elements that are used to determine the level of your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that can help you get better insurance rates.

Listed below are a partial list of the pieces used by companies to determine rates.

Only buy what you need – There are a lot of additional coverages you can purchase if you don’t pay attention. Insurance for things like rental car coverage, accidental death, and extra life insurance coverage are some examples. The coverages may be enticing when talking to your agent, but your needs may have changed so get rid of them and save.

Getting married is a good thing – Getting married may cut your premiums on your policy. Having a spouse demonstrates that you tend to be more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.

Costs can change based on your address – Having an address in a rural area may provide you with better prices when shopping for auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. City drivers have congested traffic and longer commutes to work. Longer commute distances can result in more accidents.

High physical damage deductibles lower premiums – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Nissan. Some coverage claims would be running into the backend of another car, hitting a deer, and having your car stolen. The deductibles you choose represent how much money you are required to spend if you file a covered claim. The more of the claim the insured is willing to pay, the better rate you will receive.

Do you save by driving less? – The higher the mileage driven in a year the higher your rates will be. A lot of insurance companies rate vehicles based upon how much you drive. Vehicles not used for work or commuting get more affordable rates than those that get driven frequently. It’s a good idea to make sure your insurance policy shows the correct usage for each vehicle, because it can save money. Having the wrong rating on your Sentra is throwing money out the window.

Nissan Sentra insurance loss data – Companies include the past claim history for a vehicle when they set coverage costs for each model. Models that statistically have higher loss trends will have a higher cost to insure.

The table below shows the insurance loss data used by companies for Nissan Sentra vehicles. For each policy coverage type, the claim probability for all vehicles as a whole is set at 100. Percentage numbers below 100 represent a good loss history, while numbers that are greater than 100 indicate more frequent losses or tendency to have higher losses.

Insurance agent or online?

A small number of people just prefer to have an agent’s advice and that is recommended in a lot of cases Agents can make sure you are properly covered and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain cheap car insurance quotes and still have a local agent. Buying from neighborhood agents is definitely important in Los Angeles.

Once you complete this simple form, your insurance data is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. You won’t even need to contact any insurance agencies as quotes are delivered to you directly. If you have a need to compare rates from a specific insurance company, you would need to find their quoting web page and fill out their quote form.

The difference between Los Angeles car insurance agents

When finding local Los Angeles agents, it’s important to understand the types of insurance agents that you can select. Car insurance agencies can be classified as either independent agents or exclusive agents depending on their employer. Both can sell and service car insurance coverage, but it’s worth learning the difference between them since it could factor into buying decisions.

Independent Agents (or Brokers)

Agents that elect to be independent do not sell for just one brand and that is an advantage because they can write policies through many companies and find the cheapest car insurance rates. If they find a lower price, the agent simply finds a different carrier and you don’t have to find a new agent.

When shopping rates, you should always get some free quotes from several independent agencies in order to have the best price comparison.

The following are independent insurance agencies in Los Angeles who may be able to give you rate quotes.

View more agents

Exclusive Agents

Agents in the exclusive channel can only write with one company such as Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable on their company’s products and that allows them to sell at a higher price point.

Shown below is a list of exclusive insurance agencies in Los Angeles who can help you get comparison quotes.

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Picking an car insurance agent should include more criteria than just a cheap price. Agents should be asked these questions:

• Are claims handled at the agent’s location?
• Which members of your family are coverage by the policy?
• Will high miles depreciate repair valuations?
• Is there any savings for paying the full premium?
• Will you work with the agent or an assistant?
• Can you contact them at any time?
• Does the company use OEM repair parts?
• What discounts might you be missing?

Persistence pays off

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

We just showed you quite a bit of information on how to find affordable Nissan Sentra insurance in Los Angeles. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the best prices are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

More tips and info about auto insurance is located in these articles:

• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Who Has Affordable Los Angeles Car Insurance Rates for Homeowners? (FAQ)
• Who Has the Cheapest Los Angeles Auto Insurance for Uninsured Drivers? (FAQ)
• Where can I buy Insurance? (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Auto Insurance for Teen Drivers (Insurance Information Institute)