Buying the best cheap coverage for a Nissan Sentra in Nebraska relies on a whole bunch of factors such as your gender, if you have recent claims, and any prior driving offenses. Drivers in Nebraska pay approximately $1,078 each year to insure their Sentra, but that figure is using a 40-year-old single female driver with full physical damage coverage and $250 deductibles.
But there is a high likelihood that you may not be 40 years old (or even female), maybe you are married instead of single, and you don’t want the same coverages and limits as the example. There is no one cookie-cutter policy that works for everyone, so the best method for finding the most affordable coverage for your Nissan is to do your own rate comparisons. Quotes are free and easy and you will receive price comparisons from the cheapest companies that insure Nissan vehicles in Nebraska.
The specific model of Sentra tends to have a direct effect on the annual cost of coverage, so the price you will be charged to insure a Sentra 2 will be $184 less than the cost to insure the more well-appointed Sentra SE-R SPEC V model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $194 | $442 | $390 | $24 | $116 | $1,166 | $97 |
| Sentra 2.0 S | $194 | $520 | $390 | $24 | $116 | $1,244 | $104 |
| Sentra 2.0 SR | $194 | $520 | $390 | $24 | $116 | $1,244 | $104 |
| Sentra 2.0 SL | $222 | $520 | $390 | $24 | $116 | $1,272 | $106 |
| Sentra SE-R | $222 | $520 | $390 | $24 | $116 | $1,272 | $106 |
| Sentra SE-R SPEC V | $222 | $598 | $390 | $24 | $116 | $1,350 | $113 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Lincoln which can revise rates greatly.
Ending up with the highest-rated insurance provider is hard considering how many companies there are to choose from in Nebraska. The company ratings in the lists below may help you decide which car insurance providers you want to consider comparing prices from.
These rankings are only made up of companies that insure vehicles across America, so companies without a large exposure are not included in this list. To view rates and find the cheapest rates for a Nissan Sentra, simply click here.
| 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 |
| 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: Insure.com Best Car Insurance Companies
Car insurance rates are higher with tickets and accidents
The easiest way to snag the best car insurance premiums in Lincoln for a Sentra is to drive attentively and avoid getting tickets or having accidents. The diagram below highlights how traffic violations and at-fault collisions raise annual premium costs for each age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
In the example above, the average cost of a car insurance policy in Nebraska per year with no accidents or violations is $1,403. Factor in one speeding ticket and the average cost jumps to $1,592, an increase of $190 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance for a Nissan Sentra jumps again to an average of $2,119. That’s an increase of $716, or $60 per month, just for not driving carefully!
How to get discounts on Lincoln car insurance
Insurers that provide coverage for a Nissan Sentra may also offer policy discounts that may potentially lower prices by as much as 30% if you qualify. Companies and some of the discounts are detailed below.
- GEICO offers discounts including multi-vehicle, emergency military deployment, five-year accident-free, membership and employees, and driver training.
- Auto-Owners Insurance may include discounts for safe vehicle, anti-theft, mature driver, anti-lock brakes, paid in full, and multi-policy.
- American Family has savings for early bird, Steer into Savings, defensive driver, good driver, mySafetyValet, and air bags.
- Esurance may have discounts that include claim free, multi-policy, good student, homeowner, anti-lock brakes, and emergency road assistance.
- Progressive includes discounts for homeowner, multi-vehicle, multi-policy, good student, and continuous coverage.
- State Farm offers discounts for student away at school, good driver, good student, safe vehicle, and defensive driving training.
- AAA offers premium reductions for multi-car, multi-policy, good student, AAA membership discount, good driver, anti-theft, and pay-in-full.
The illustration below illustrates the comparison of car insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, no violations or accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, claim-free, safe-driver, vehicle safety, anti-theft, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Nissan Sentra is 28% or $433.
How to find more affordable car insurance for a Nissan Sentra
Here are many thrifty ideas that can help drivers find lower-cost coverage.
- You will pay more if you get tickets or have at-fault accidents
- Multi-policy discounts save money
- Try to not file small claims
- Choose a safer vehicle and pay lower rates
- Accident-free drivers may qualify for discounts
- Compare rates regularly to ensure the best deal
The last idea is particularly crucial, as was noted in this piece. Prices charged by auto insurers in Lincoln can change significantly in a year, so don’t hesitate to switch companies if a more affordable price is available.
Having a favorite company is fine, but it’s not recommended if that loyalty ends up costing money that could be spent on other things. Take a few minutes and compare rates to find cheaper car insurance for a Nissan Sentra.
The Lincoln auto insurance agencies shown below can most likely help you decide which policy fits your needs best, since some people prefer to have the advice of a professional agent when comparing insurance rates for a Nissan Sentra. It’s not always simple to find the best rates on your own, and a licensed agent can bring peace of mind knowing your policy gives you adequate coverage when you need it most. To find an auto insurance agency closest to you, click the button after the list or click here to compare rates now.
- Mittelstadt Agency LLC
1701 K St – Lincoln, NE 68508 – (402) 434-3990 - Solomon Halim – State Farm Insurance Agent
4007 S 48th St – Lincoln, NE 68506 – (402) 486-3839 - UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 - MIAA – Midwest Insurance Agency Alliance
6120 Havelock Ave – Lincoln, NE 68507 – (402) 467-5355