Are you at wits end from not being able to scrape enough together to buy insurance? Your situation is no different than the majority of other drivers in Colorado.
Unthinkable but true, nearly 70% of customers kept their policy with the same company for over three years, and just under half have never compared quotes from other companies. U.S. insurance shoppers can cut their rates by nearly 46.5% a year, but most just don’t grasp the amount of money they would save if they swap their current policy for a cheaper one.
Since drivers have many options for buying cheaper insurance for a Nissan Sentra in Denver, it’s difficult to locate a more affordable company.
Companies offering Nissan Sentra insurance in Colorado
The companies shown below can provide quotes in Colorado. If several companies are displayed, it’s a good idea that you compare several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$132||$312||$362||$22||$108||$936||$78|
|Sentra 2.0 SR||$252||$726||$456||$28||$136||$1,598||$133|
|Sentra 2.0 SL||$200||$400||$362||$22||$108||$1,092||$91|
|Sentra SE-R SPEC V||$294||$726||$358||$22||$108||$1,508||$126|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can change insurance rates significantly.
Physical damage deductible comparison
The information below shows how choosing a deductible and can influence Nissan Sentra insurance premiums for different categories of driver ages. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Car insurance rates based on gender
The diagram below shows the comparison of Nissan Sentra auto insurance rates for male and female drivers. The data is based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
You Can Change Your Insurance Premiums
Multiple criteria are used when you get your auto insurance bill. Some are obvious like an MVR report, but other criteria are more transparent like your vehicle usage or your commute time.
The items below are just a few of the factors insurance companies consider when setting your rates.
- Do you really need roadside assistance? – Insurance policies have a lot of extra coverages that you can get tricked into buying but may not be useful. Insurance for things like rental car reimbursement, accidental death, and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but if they’re wasting money eliminate the coverages to reduce your premium.
- Tickets can be expensive – How you drive impacts your car insurance rates tremendously. Even a single driving citation may cause rates to rise by as much as thirty percent. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers who have severe violations such as DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state in order to prevent their license from being revoked.
- Women pay lower rates – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that women are better drivers. Females and males are in accidents in similar numbers, but the males get into accidents with more damage. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI).
- Prices and your address – Being located in a rural area has it’s advantages when it comes to insurance. Drivers who live in large cities have to deal with much more traffic and a longer drive to work. Fewer drivers on the road means a lower chance of having an accident as well as less vandalism and auto theft.
- Your credit rating is important – Having a bad credit history will be a significant factor in determining what you pay. People with excellent credit scores tend to be better drivers and file fewer claims than those with bad credit. Therefore, if your credit rating leaves room for improvement, you could pay less to insure your Nissan Sentra by spending a little time repairing your credit.
- Pay more out-of-pocket – Comprehensive and collision coverage deductibles define the amount you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered would be rearending another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you’re willing to pay, the less your insurance will be.
- Nissan Sentra insurance claim data – Insurers use data from past claims to help calculate a profitable premium rate. Vehicles that have a trend towards higher claim severity or frequency will cost more for coverage. The next table shows the actual insurance loss data for Nissan Sentra vehicles.
For each insurance policy coverage type, the loss probability for all vehicles combined as an average is represented as 100. Percentages below 100 imply a favorable loss record, while numbers above 100 point to more claims or tendency to have larger claims.
Nissan Sentra Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Sentra 120 107 81 158 179 141
Statistics from IIHS.org for 2013-2015 Model Years
Car insurance policy discounts for Nissan Sentra insurance in Denver
Car insurance is easily one of your largest bills, but you can get discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but some must be asked for prior to receiving the credit.
- Data Collection Discounts – Policyholders that allow their company to monitor their driving habits by installing a telematics device like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the PIP or medical payment premium.
- No Accidents – Drivers who don’t have accidents have much lower rates as compared to policyholders that have many claims.
- Discount for Swiching Early – Select car insurance companies give a discount for renewing your policy prior to the expiration date on your current Sentra insurance policy. It can save you around 10%.
- Federal Employees – Active or former government employment can save as much as 8% with some car insurance companies.
- ABS Braking Discount – Cars with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
- Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike if you have no claims prior to the accident.
It’s important to note that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic.
Car insurance companies that have most of the discounts above are:
If you want affordable Nissan Sentra insurance quotes, ask all the companies which discounts they offer. Discounts may not apply to policies in Denver. For a list of insurance companies who offer discounts in Colorado, follow this link.
Can’t I compare prices from local Denver car insurance agents?
A lot of people prefer to go talk to an agent and that is recommended in a lot of cases An additional benefit of comparing insurance online is the fact that drivers can get cheaper premium rates and still have an agent to talk to. And supporting neighborhood insurance agencies is still important in Denver.
To find an agent, once you fill out this simple form, the coverage information gets sent to local insurance agents in Denver that give free quotes for your coverage. There is no reason to contact any agents as quotes are delivered immediately to your email address. You can find lower rates without the usual hassles of price shopping. In the event you want to compare prices from a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.
If you need to find local Denver agents, you should know the types of agencies and how they differ in how they can insure your vehicles. Insurance policy providers can be classified as either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If you want to switch companies, your policy is moved internally and the insured can keep the same agent. When shopping rates, you should always include rate quotes from multiple independent agents to ensure the widest selection of prices.
The following are Denver independent insurance agencies that may be able to give price quote information.
Agents of this type write business for a single company and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so keep that in mind. These agents receive extensive training on their company’s products which helps them sell on service rather than price.
Below is a short list of exclusive agencies in Denver that are able to give rate quotes.
Choosing an car insurance agent needs to be determined by more than just a cheap price quote. These are some valid questions you should ask.
- Do they review policy coverages at every renewal?
- Do the coverages you’re quoting properly cover your vehicle?
- How many companies do they write for?
- Do they offer accident forgiveness?
- Is their price quote a firm figure or are their hidden costs?
- Is vehicle damage repaired with OEM or aftermarket parts?
- By raising physical damage deductibles, how much would you save?
Don’t believe everything you hear
Popular auto insurance providers such as Allstate and Progressive seem to constantly run ads on television and other media. All the ads try to convey promises that drivers can save some big amount after switching your policy. How does every auto insurance company charge lower premium rates? It’s all in how they say it.
Companies look for specific characteristics for the type of driver they prefer to insure. For example, a profitable risk profile should be a married male, is a homeowner, and has a short commute. Any customer who fits that profile will get low rates and will also save when switching.
Potential insureds who do not match the requirements will probably be forced to pay a higher rate and this results in the customer buying from a different company. If you listen closely, the ads state “people who switch” not “everyone who quotes” can save as much as they claim. That’s why insurance companies can make claims that they all have the best car insurance rates.
This illustrates why it’s extremely important to compare rate quotes every year. It’s just too difficult to predict the company that will have the lowest rate quotes.
When should I discuss my situation with an agent?
When quoting and comparing your policy, there really is not a best way to insure your cars. Each situation is unique and your car insurance should be unique as well.
For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Is my state a no-fault state?
- Should I buy only the required Colorado minimum liability coverage?
- Do I have coverage when using my vehicle for my home business?
- Exactly who is provided coverage by my policy?
- I have good health insurance, so how much medical payments coverage do I need?
- Can I get a multi-policy discount for packaging my home and auto coverage?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Cheap insurance prices are available
Budget-friendly insurance in Denver is available on the web and with local Denver insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer internet price quotes and these smaller providers only sell through independent agencies.
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.
More detailed insurance information is located by following these links:
- Shopping for a Safe Car (Insurance Information Institute)
- How Much are Car Insurance Quotes for a Kia Optima in Denver? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota RAV4 in Denver? (FAQ)
- Who Has Cheap Auto Insurance for College Graduates in Denver? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Good Credit in Denver? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- Safety Features for Your New Car (State Farm)
- Insurance Losses by Make and Model (iihs.org)