Looking for the cheapest Nissan Sentra insurance in Lincoln? No one in their right mind fancies paying their premiums for auto insurance, especially when they know the cost is too high.
Amazingly, a recent NerdWallet.com study showed that most drivers in Nebraska have bought auto insurance from the same company for more than four years, and practically 40% of auto insurance customers have never even shopped around for cheaper coverage. Consumers in the U.S. could pocket nearly $860 a year by just comparing rate quotes, but they don’t understand how simple it is to compare rate quotes.
How to save on Nissan Sentra insurance in Lincoln
To save the most money, the best way to get affordable Nissan Sentra insurance in Lincoln is to regularly compare quotes from insurance carriers who provide auto insurance in Nebraska. Prices can be compared by following these guidelines.
Step 1: Get a basic knowledge of individual coverages and the factors you can control to prevent high rates. Many policy risk factors that increase rates like traffic violations, accidents, and a negative credit score can be improved by making lifestyle changes or driving safer. Continue reading for ideas to help reduce prices and earn a bigger discount.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agencies can quote prices from multiple insurance companies. Get quotes now
Step 3: Compare the price quotes to your existing policy and see if there is a cheaper rate. If you can save some money, ensure coverage does not lapse between policies.
Step 4: Notify your current company of your intention to cancel your current auto insurance policy. Submit a signed application and payment to your new insurance company. As soon as you have the new policy, place the new certificate verifying proof of insurance along with your vehicle registration.
A good tip to remember is that you use the same deductibles and limits on every quote request and and to look at as many carriers as you can. This guarantees a fair price comparison and many rates to choose from.
Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the definite best rate on Nissan Sentra insurance in Lincoln.
The most recommended method to compare insurance rates in your area is to realize most of the bigger providers participate in online systems to provide you with free rate quotes. All you need to do is provide a small amount of information such as driver details, how much school you completed, distance driven, and coverage limits. That information is instantly provided to many highly-rated insurers and they return quotes instantly to find the best rate.
If you would like to start a quote now, click here and complete the form.
The car insurance companies shown below have been selected to offer price quotes in Nebraska. If you want cheap car insurance in NE, it’s highly recommended you compare several of them in order to find the most affordable rates.
Nissan Sentra detailed coverage information
The price information shown next covers different prices for Nissan Sentra models. Knowing how insurance prices are formulated can assist in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $122 | $282 | $362 | $22 | $108 | $896 | $75 |
| Sentra 2.0 S | $122 | $332 | $362 | $22 | $108 | $946 | $79 |
| Sentra 2.0 SR | $122 | $332 | $362 | $22 | $108 | $946 | $79 |
| Sentra 2.0 SL | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Sentra SE-R | $140 | $332 | $362 | $22 | $108 | $964 | $80 |
| Sentra SE-R SPEC V | $140 | $384 | $362 | $22 | $108 | $1,016 | $85 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific location which can impact coverage prices substantially.
Physical damage deductible comparison
When shopping for insurance, a common question is how high should the deductibles for physical damage be. The figures shown below can help you visualize how much more you’ll pay when you choose different policy deductibles. The first rate table uses a $100 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $224 | $466 | $300 | $18 | $90 | $1,123 | $94 |
| Sentra 2.0 S | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Sentra 2.0 SR | $224 | $548 | $300 | $18 | $90 | $1,205 | $100 |
| Sentra 2.0 SL | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Sentra SE-R | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Sentra SE-R SPEC V | $258 | $632 | $300 | $18 | $90 | $1,323 | $110 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Sentra 2.0 S | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Sentra 2.0 SR | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Sentra 2.0 SL | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sentra SE-R | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sentra SE-R SPEC V | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in garaging location in Lincoln which can increase or decrease premiums substantially.
Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $22 more each month or $264 annually than opting for the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 18 months between claims, you would most likely save money going with the higher deductible. The numbers below show how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $102 |
| Average monthly premium for $500 deductibles (subtract): | – $80 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Get cheaper Nissan Sentra insurance rates in Lincoln
Insurance can cost an arm and a leg, but you might find some hidden discounts to reduce the price significantly. Many discounts should be triggered when you purchase, but lesser-known reductions have to be requested specifically before being credited.
- No Claims – Lincoln drivers who stay claim-free can earn big discounts when compared with drivers who are more careless.
- ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more on Sentra insurance in Lincoln.
- First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
- Multiple Cars – Buying a policy with primary and secondary vehicles with one company can get a discount on all vehicles.
- Bundle and Save – When you have multiple policies with one company you will save at least 10% off all policies.
- Smart Student Discounts – This discount may save you up to 25%. You can use this discount normally well after school through age 25.
Don’t be surprised that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, that’s just not realistic.
The information below shows the difference between Nissan Sentra premium costs with and without discounts applied to the premium. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, claim-free, multi-policy, and marriage discounts applied.
Companies and their offered discounts are detailed below.
- Farm Bureau policyholders can earn discounts including 55 and retired, good student, multi-vehicle, youthful driver, and renewal discount.
- MetLife may offer discounts for accident-free, good student, defensive driver, multi-policy, claim-free, good driver
- Progressive may include discounts for online quote discount, continuous coverage, online signing, multi-policy, multi-vehicle, homeowner, and good student.
- AAA has savings for good driver, pay-in-full, multi-car, anti-theft, education and occupation, and AAA membership discount.
- American Family may have discounts that include bundled insurance, early bird, good student, good driver, defensive driver, TimeAway discount, and mySafetyValet.
- GEICO offers premium reductions for defensive driver, multi-policy, good student, membership and employees, and driver training.
- State Farm includes discounts for anti-theft, passive restraint, safe vehicle, Steer Clear safe driver discount, and defensive driving training.
When getting free Lincoln car insurance quotes, it’s a good idea to each company or agent which discounts you may be entitled to. All car insurance discounts may not apply to policies everywhere.
Three good reasons to insure your Nissan vehicle
Despite the high cost of buying insurance for a Nissan Sentra in Lincoln, insurance is a good idea for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means state laws require a specific level of liability coverage if you drive a vehicle. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Nissan Sentra, it’s most likely the lender will force you to buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Nissan at a more expensive rate and force you to pay for the much more expensive policy.
Third, insurance preserves not only your Nissan but also your assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. As of last year, the average driver in Nebraska is currently overpaying as much as $865 each year so it’s very important to do a rate comparison once a year at a minimum to ensure rates are inline.
Ratings for Lincoln auto insurance companies
Choosing the top insurance provider can be difficult considering how many choices you have in Lincoln. The company rank data in the next section may help you pick which companies you want to consider purchasing from.
Top 10 Lincoln Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Lincoln Car Insurance Companies Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
Insurance agent or online?
Some consumers prefer to buy from a licensed agent and doing so can bring peace of mind An additional benefit of comparing rate quotes online is that you can find cheap car insurance rates and still choose a local agent.
After completing this short form, the quote information gets sent to insurance agents in Lincoln who will give competitive quotes for your car insurance coverage. It’s much easier because you don’t need to find an agent on your own as quotes are delivered to the email address you provide. You can find better rates AND a local agent. In the event you want to get a price quote from a specific company, just find their quoting web page and fill out their quote form.
Finding the right company shouldn’t rely on just a cheap quote. Any agent in Lincoln should have no problem answering these questions:
- What insurance company do they write the most business with?
- Is every driver in your family covered?
- Do the coverages you’re quoting properly cover your vehicle?
- How many years have they been established?
- Are there any discounts for paying up front?
- Do they get paid more for recommending certain coverages?
- Are they properly licensed to sell insurance in Nebraska?
- Can they give you a list of client referrals?
If you are searching for a local Lincoln insurance agency, it’s helpful to know the different agency structures that you can select. Car insurance agencies may be either independent or exclusive.
Exclusive Insurance Agencies
Exclusive agents generally can only insure with one company like State Farm, AAA, and Liberty Mutual. They usually cannot shop your coverage around so always compare other rates. Exclusive agencies are well trained on their company’s products which helps overcome the inability to quote other rates.
Below is a short list of exclusive insurance agents in Lincoln willing to provide price quotes.
Farmers Insurance
916 N 70th St – Lincoln, NE 68505 – (402) 488-5277 – View Map
State Farm: Shawn Kreifels
570 Fallbrook Blvd #111 – Lincoln, NE 68521 – (402) 435-2250 – View Map
Allstate Insurance: Mitchell Happ
6100 S 58th St e – Lincoln, NE 68516 – (402) 420-5590 – View Map
Independent Agents
These agents often have many company appointments so they can write business through many companies and get you the best rates possible. If they find a lower price, your agent can switch companies and you don’t have to switch agencies. When comparing car insurance rates, you absolutely need to compare quotes from multiple independent agents to get the most accurate price comparison.
Listed below are independent agents in Lincoln who can help you get comparison quotes.
Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423 – View Map
AMS Insurance Center
120 S 29th St – Lincoln, NE 68510 – (402) 476-3599 – View Map
Midwest Regional Agency
201 S 84th St – Lincoln, NE 68510 – (800) 873-9713 – View Map
If you feel you receive satisfactory answers to any questions you may have as well as offering an affordable quote, you may have found an insurance agent that can insure your vehicles. Just keep in mind it’s your policy and you can terminate your policy at any point so don’t assume you’re contractually obligated to a specific company for the entire policy term.