Affordable Nissan Sentra Insurance in Madison

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.

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.

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

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.

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.

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