Affordable Nissan Sentra Insurance in Madison

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It's an obvious statement that car insurance companies want to prevent you from shopping around. Insureds who compare price quotes are likely to switch insurance companies because they stand a good chance of finding coverage at a more affordable price. A recent survey found that consumers who shopped around annually saved on average $72 a month as compared to drivers who never shopped around for better prices.

If finding the best price on Nissan Sentra insurance is your intention, learning how to find and compare insurance premiums can help simplify the process.

Discount Nissan Sentra insuranceTo save the most money, the best way to find low-cost Nissan Sentra insurance is to start comparing prices yearly from different companies that insure vehicles in Madison. Price quotes can be compared by following these guidelines.

  • First, take a little time to learn about what is in your policy and the measures you can control to drop your rates. Many rating factors that result in higher prices such as high-risk driving behaviors and an imperfect credit rating can be amended by making lifestyle changes or driving safer.
  • Second, compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agencies can quote prices for a wide range of companies.
  • Third, compare the new rates to the price on your current policy to determine if switching companies saves money. If you find better rates, ensure there is no coverage lapse between policies.
  • Fourth, give notification to your current company of your intention to cancel your current car insurance policy. Submit a signed application and payment for the new coverage. Once the paperwork is finalized, place the new certificate verifying coverage along with the vehicle's registration papers.

The key aspect of shopping around is that you'll want to make sure you compare the same amount of coverage on every quote and and to get prices from as many different companies as possible. Doing this enables an apples-to-apples comparison and a complete price analysis.

Low Cost companies for Nissan Sentra insurance

The companies shown below are our best choices to provide free rate quotes in Wisconsin. To buy cheaper car insurance in WI, we recommend you click on several of them to find the most competitive auto insurance rates.

Insurance statistics and figures

The table displayed next showcases detailed analysis of rate quotes for Nissan Sentra models. Having a good grasp of how insurance quotes are determined can help guide drivers when making smart choices when comparing insurance quotes.

Nissan Sentra Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $74 $156 $216 $12 $64 $522 $44
Sentra 2.0 S $74 $184 $216 $12 $64 $550 $46
Sentra 2.0 SR $74 $184 $216 $12 $64 $550 $46
Sentra 2.0 SL $84 $184 $216 $12 $64 $560 $47
Sentra SE-R $84 $184 $216 $12 $64 $560 $47
Sentra SE-R SPEC V $84 $212 $216 $12 $64 $588 $49
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in your specific Madison location which can raise or lower coverage prices noticeably.

Deductible analysis

When shopping for insurance, a common question is how high should your deductibles be. The following insurance rates summarize the rate difference when you choose different comp and collision deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Nissan Sentra insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $172 $358 $230 $14 $68 $867 $72
Sentra 2.0 S $172 $422 $230 $14 $68 $931 $78
Sentra 2.0 SR $172 $422 $230 $14 $68 $931 $78
Sentra 2.0 SL $198 $422 $230 $14 $68 $957 $80
Sentra SE-R $198 $422 $230 $14 $68 $957 $80
Sentra SE-R SPEC V $198 $484 $230 $14 $68 $1,019 $85
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Nissan Sentra insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $96 $188 $230 $14 $68 $596 $50
Sentra 2.0 S $96 $222 $230 $14 $68 $630 $53
Sentra 2.0 SR $96 $222 $230 $14 $68 $630 $53
Sentra 2.0 SL $110 $222 $230 $14 $68 $644 $54
Sentra SE-R $110 $222 $230 $14 $68 $644 $54
Sentra SE-R SPEC V $110 $256 $230 $14 $68 $678 $57
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific Madison garaging location which can affect insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $25 more each month or $300 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 36 months between claim filings, you would save money going with the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $79
Average monthly premium for $1,000 deductibles (subtract): - $54
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you file a claim. You need to have enough extra savings in the event you need to pay the higher deductible in order to repair your vehicle.

The example below highlights how deductible selection and can increase or decrease Nissan Sentra insurance rates for different ages of insureds. The premiums assume a married male driver, full physical damage coverage, and no additional discounts are factored in.

How accidents and violations affect rates

The information below highlights how speeding tickets and at-fault accidents influence Nissan Sentra car insurance rates for different age groups of insureds. Data assumes a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below illustrates the comparison of Nissan Sentra auto insurance rates with and without full coverage. The premium estimates are based on no accidents or driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

When to buy liability coverage only

There is no set guideline to drop full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's assume your Nissan Sentra book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying the physical damage deductible. If it's costing you more than $500 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are a few cases where only buying liability is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

You Can Change Your Insurance Premiums

Many different elements are considered when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but other criteria are more obscure like where you live or how financially stable you are.

The following are some of the most rate-impacting factors used by companies to determine prices.

  • Does auto insurance cost less for gals? - Statistics have proven that females take fewer risks when driving. However, don't assume that females are better drivers. Men and women have fender benders in similar numbers, but men tend to have higher claims. In addition to higher claims, males also receive more major tickets like DUI and reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore have the most expensive auto insurance rates.

    The diagram below shows the difference between Nissan Sentra car insurance rates for male and female drivers. The rate quotes are based on no claims or driving citations, full coverage, $1,000 deductibles, marital status is single, and no discounts are applied.

  • Keep claims to a minimum - Auto insurance companies in Wisconsin award lower rates to policyholders who are claim-free. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is intended for larger claims.
  • Do you qualify for a multi-policy discount? - Most larger companies give a discount to policyholders that buy multiple policies, otherwise known as a multi-policy discount. Discounts can add up to as much as ten percent or more If you currently are using one company, it's always a smart idea to get quotes from other companies to help guarantee you have the best rates.
  • Do you really need roadside assistance? - There are many additional coverages that can add up if you aren't careful. Things like coverage for rental cars, towing coverage, and motor club memberships are probably not needed. They may sound like good ideas when discussing your needs, but if you have no use for them remove them from your policy.
  • Low mileage costs less - The higher the miles on your Nissan in a year's time the higher your rates will be. Most companies calculate prices based on their usage. Cars and trucks that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Sentra is throwing money out the window. Ask your agent if your auto insurance declarations sheet shows annual mileage, because it can save money.
  • Advanced GPS tracking and theft deterrents - Selecting a car model with anti-theft technology or alarm system can help bring down rates. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft.
  • Higher premiums for specific jobs - Jobs like military personnel, airline pilots, and financial analysts generally pay the highest average rates attributed to high stress and extremely grueling work hours. On the other hand, occupations like farmers, historians and the unemployed get better rates.
  • A good credit rating can save money - Having a good credit history factor in determining premium rates. People that have very high credit ratings tend to file fewer claims and have better driving records than those with bad credit. So if your credit is low, you could be paying less to insure your Nissan Sentra by improving your rating.
  • Nissan Sentra claim statistics - Companies use claims history when setting rates for each model. Models that the data determines to have a trend towards higher claim severity or frequency will cost more for specific coverages. The table shown below demonstrates the loss history for Nissan Sentra vehicles.

    For each policy coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is represented as 100. Values that are below 100 represent a good loss history, while numbers shown that are more than 100 indicate a higher chance of having a claim or larger claims.

    Insurance Loss Ratings for Nissan Sentra Vehicles
    Specific Nissan Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Nissan Sentra 120 107 81 158 179 141

    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Discount Madison insurance rates

The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. Many discounts should be triggered when you complete an application, but once in a while a discount must be requested specifically before you will receive the discount.Cheaper insurance with discounts

  • Auto/Life Discount - Not all companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
  • Anti-lock Brake System - Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • No Charge for an Accident - This isn't a discount exactly, but some insurance companies will turn a blind eye to one accident before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Discount for Low Mileage - Keeping the miles down on your Nissan can qualify you for lower premium rates on the low mileage vehicles.
  • No Claim Discounts - Claim-free drivers pay less in comparison with accident-prone drivers.
  • Telematics Devices - Drivers that enable their insurance company to spy on vehicle usage by using a telematics device in their vehicle such as State Farm's In-Drive could save a few bucks if they exhibit good driving behavior.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you won't be that lucky. Any qualifying discounts will definitely reduce the cost of your policy.

The diagram below compares Nissan Sentra car insurance rates with and without some available policy discounts. The information is based on a male driver, no violations or accidents, Wisconsin state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.

A few popular companies and some of the discounts are shown below.

  • Farm Bureau includes discounts for good student, driver training, youthful driver, multi-policy, 55 and retired, and renewal discount.
  • State Farm offers discounts including good driver, accident-free, safe vehicle, defensive driving training, Steer Clear safe driver discount, and good student.
  • Progressive may include discounts for continuous coverage, good student, online quote discount, multi-vehicle, online signing, multi-policy, and homeowner.
  • Allstate offers premium reductions for good student, multi-policy, eSmart discount, early signing, auto/life discount, passive restraint, and safe driver.
  • Nationwide offers discounts for Farm Bureau membership, family plan, easy pay, multi-policy, and accident-free.
  • MetLife policyholders can earn discounts including multi-policy, claim-free, defensive driver, good student, and accident-free.

When getting a coverage quote, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts might not be offered everywhere. To choose companies with the best discounts in Madison, click this link.

Car insurance agents can help

Many people just prefer to talk to a local agent and doing that can be a smart decision Professional agents will help you protect your assets and help you file claims. One of the great benefits of comparing insurance prices online is that drivers can save money and get lower premium rates but still work with a licensed agent.

Insurance agency in MadisonFor easy comparison, once you complete this form (opens in new window), the quote information is emailed to companies in Madison that give free quotes for your insurance coverage. There is no reason to find an agent due to the fact that quote results will go to you. In the event you want to get a price quote from a particular provider, just search and find their rate quote page and complete a quote there.

Choosing the best insurer requires you to look at more than just the premium amount. Get answers to these questions too.

  • Will the company cover a rental car if your car is getting fixed?
  • Do they specialize in personal lines auto insurance in Madison?
  • Do the coverages you're quoting properly cover your vehicle?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Is the agency involved in supporting local community causes?
  • How long have they been in business?
  • What insurance company do they write the most business with?

Upon receiving good feedback to these questions as well as low cost Nissan Sentra insurance quotes, you've probably found an provider that will adequately provide insurance.

Madison auto insurance company ratings

Ending up with the right car insurance provider can be difficult considering how many different companies there are to choose from in Wisconsin. The ranking data in the next section may help you select which providers to look at comparing prices from.

Top Auto Insurance Companies in Wisconsin
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

Affordable coverage is out there

You just learned a lot of tips how to reduce Nissan Sentra insurance premium rates online in Madison. The key concept to understand is the more providers you compare, the better chance you'll have of finding affordable Madison car insurance quotes. You may even be surprised to find that the lowest premium rates come from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. In too many instances, someone sacrificed collision coverage only to find out that the small savings ended up costing them much more. Your objective should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

Additional information