It takes a few minutes, but the best way to find more affordable Nissan Sentra insurance is to regularly compare price quotes from insurance carriers that insure vehicles in Omaha.
- Take a little time to learn about how auto insurance works and the measures you can control to keep rates down. Many factors that increase rates like traffic citations and poor credit rating can be remedied by making minor changes to your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide rate quotes for a wide range of companies.
- Compare the quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current agent or company of your intent to cancel your existing policy. Submit payment and a signed application to the new company. Don’t forget to place your new certificate of insurance with your registration paperwork.
One tip to remember is to try to use the same level of coverage on every quote and and to get price estimates from every insurance company. This ensures a fair rate comparison and a better comparison of the market.
Everyone knows that car insurance companies don’t want policyholders to shop around. People who compare price quotes will most likely switch auto insurance companies because of the good chance of finding good coverage at a lower price. A recent survey found that people who compared price quotes annually saved $3,500 over four years compared to people who never shopped around for cheaper prices.
If finding budget-friendly rates on Nissan Sentra insurance is why you’re reading this, then having some knowledge of how to shop for insurance can make shopping around easier.
The auto insurance companies shown below are ready to provide free rate quotes in Omaha, NE. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
Don’t overlook these Nissan Sentra insurance discounts
Car insurance can cost a lot, but you might already qualify for some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but lesser-known reductions have to be asked for before being credited.
- Professional Memberships – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums when shopping for auto insurance.
- Distant Student – Any of your kids who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings as much as 30%.
- Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on Omaha car insurance quote as compared to frequent claim filers.
- Driver Education Discount – Teen drivers should complete a driver education course in school.
We need to note that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
The chart below illustrates the difference between Nissan Sentra insurance rates with and without discounts. The rates are based on a female driver, no claims or violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, multi-policy, and claim-free discounts applied.
Large auto insurance companies and a summarized list of policyholder discounts are detailed below.
- Progressive includes discounts for good student, homeowner, continuous coverage, multi-vehicle, online signing, and online quote discount.
- SAFECO offers premium reductions for safe driver, anti-theft, bundle discounts, homeowner, drive less, and teen safe driver.
- American Family offers discounts including TimeAway discount, multi-vehicle, bundled insurance, accident-free, good driver, mySafetyValet, and air bags.
- MetLife may include discounts for defensive driver, good student, multi-policy, accident-free, good driver, claim-free
- GEICO may have discounts that include multi-vehicle, defensive driver, five-year accident-free, military active duty, and driver training.
- The Hartford has savings for anti-theft, vehicle fuel type, driver training, good student, and defensive driver.
If you are trying to find inexpensive Omaha car insurance quotes, ask every prospective company what discounts are available to you. Savings might not be offered on policies in Omaha.
Nissan Sentra insurance rate analysis
The coverage information displayed below highlights different policy rates for Nissan Sentra models. Being more informed about how rates are established is important for you to make decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $176 | $396 | $288 | $18 | $86 | $964 | $80 |
| Sentra 2.0 S | $176 | $466 | $288 | $18 | $86 | $1,034 | $86 |
| Sentra 2.0 SR | $176 | $466 | $288 | $18 | $86 | $1,034 | $86 |
| Sentra 2.0 SL | $202 | $466 | $288 | $18 | $86 | $1,060 | $88 |
| Sentra SE-R | $202 | $466 | $288 | $18 | $86 | $1,060 | $88 |
| Sentra SE-R SPEC V | $202 | $538 | $288 | $18 | $86 | $1,132 | $94 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in your specific Omaha location which can increase or decrease insurance rates substantially.
Comparison of policy deductibles
One frequently asked question is how high should the physical damage coverage deductibles be. The rates shown below may help to illustrate the differences in premium rates when you choose different comp and collision deductibles. The first data set uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 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 | $124 | $246 | $300 | $18 | $90 | $778 | $65 |
| Sentra 2.0 S | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Sentra 2.0 SR | $124 | $290 | $300 | $18 | $90 | $822 | $69 |
| Sentra 2.0 SL | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sentra SE-R | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Sentra SE-R SPEC V | $144 | $334 | $300 | $18 | $90 | $886 | $74 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in Omaha location which can alter coverage prices greatly.
Based on this data, using a $100 deductible will cost you approximately $32 more each month or $384 for a full year across all Nissan Sentra models than choosing the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 28 months between claims, you would probably come out ahead if you choose a higher deductible.
Tickets and at-fault accidents raise rates
The illustration below illustrates how traffic citations and at-fault fender-benders can drive up Nissan Sentra annual premium costs for each different age category. The rates are based on a married female driver, full coverage, $100 deductibles, and no other discounts are factored in.
Difference between liability only and full coverage rates
The illustration below visualizes the comparison of Nissan Sentra car insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The premiums are based on no accidents or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.
When to drop comprehensive and collision
There is no written rule to delete full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your Nissan Sentra claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some conditions where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Cut Insurance Costs with These Tips
Lots of factors are taken into consideration when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other factors are more transparent such as whether you are married or how financially stable you are.
Drive less and pay lower prices – The higher the miles on your Nissan in a year’s time the higher your rate. Many insurance companies rate vehicles based on how the vehicle is used. Cars that sit idle most of the time qualify for better rates than those used for commuting. An incorrectly rated Sentra may be costing you. It’s a smart idea to ensure your insurance coverage properly reflects the correct usage, because it can save money.
Lower deductibles cost more – Insurance for physical damage, also called ‘full coverage’, protects your Nissan from damage. Some coverage claims are a broken windshield, collision with an animal, and windstorm damage. The deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the lower your rates will be.
Does car insurance cost more for men? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Both genders cause accidents in similar numbers, but guys have costlier accidents. Men also statistically get cited for more serious violations like DWI (DUI) or reckless driving.
The chart below illustrates the difference between Nissan Sentra annual premium costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no additional discounts are factored in.
Liability insurance risk factors – A critical coverage on your policy, liability insurance provides coverage in the event that you are determined to be liable for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Cheaper rates after marriage – Having a spouse may cut your premiums on your insurance bill. It may mean you are more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
How old are your drivers? – Teen drivers in Nebraska have a tendency to be inattentive behind the wheel therefore insurance rates are much higher. Having to add a first-time driver to your insurance policy will cause a huge premium hike. Older drivers are proven to be safer behind the wheel, file fewer claims, and get fewer tickets.
The chart below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Save by driving vehicles with better crash test results – Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Nissan Sentra is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
Nissan Sentra claim data – Companies factor in historical loss data to help determine the rate you pay. Models that have higher frequency or amount of claims will cost more for coverage. The table below shows the collected loss data for Nissan Sentra vehicles.
For each policy coverage, the claim probability for all vehicles averaged together is a value of 100. Values under 100 are indicative of better than average losses, while values over 100 point to more losses or tendency to have higher losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Sentra | 120 | 107 | 81 | 158 | 179 | 141 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
When should I have guidance from an insurance agent?
A small number of people just want to talk to an insurance agent and often times that is recommended Agents can make sure you are properly covered and give you someone to call. A good thing about comparing car insurance online is that drivers can save money and get cheap car insurance rates and still have an agent to talk to. Buying insurance from small agencies is important especially in Omaha.
To help locate an agent, after submitting this form (opens in new window), the coverage information is sent to companies in Omaha who will give competitive quotes for your coverage. You never need to even leave your home due to the fact that quote results will go straight to your inbox. If you wish to get a comparison quote from one company in particular, just search and find their rate quote page and give them your coverage information.
The difference between Omaha auto insurance agents
If you want to buy car insurance from a reputable agency, you should know the different agency structures and how they can service your needs differently. Insurance agencies in Omaha can be described as either exclusive or independent agents depending on their company appointments. Either type can insure your vehicles, but it’s important to know how they differ because it can factor into which type of agent you select.
Independent Car Insurance Agents (or Brokers)
Agents that choose to be independent do not work for one specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. If you want to switch companies, they simply switch companies in-house which is easy for the insured.
When comparing rate quotes, we highly recommend that you get insurance quotes from independent agents to ensure the widest selection of prices.
Shown below is a list of independent agents in Omaha that may be able to provide free rate quotes.
N P Dodge Insurance
8701 W Dodge Rd #100 – Omaha, NE 68114 – (402) 938-5008 – View Map
Nia Insurance Agency Inc
2816 N 24th St – Omaha, NE 68110 – (402) 779-8999 – View Map
Vander Vorst Insurance Agency
15037 Industrial Rd – Omaha, NE 68144 – (402) 330-7979 – View Map
Exclusive Agencies
Exclusive insurance agents are contracted to one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive insurance agents in Omaha willing to provide rate quotes.
Farmers Insurance – Lance Juett
2708 S 114th St – Omaha, NE 68144 – (402) 315-1554 – View Map
Farmers Insurance – Lisa Powell
11322 Davenport St – Omaha, NE 68154 – (402) 614-4633 – View Map
American Family Insurance – Randy Baker Agency Inc.
13768 Millard Ave – Omaha, NE 68137 – (402) 895-1300 – View Map
Finding the right insurance agent requires more thought than just a cheap price quote. These are some valid questions you should ask.
- How much experience to they have in personal lines coverages?
- Is the agency involved in supporting local community causes?
- Do they offer claims assistance after hours?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they in the agency full-time?
- Are they involved in claim handling?
- Is vehicle mileage a factor when determining depreciation for repairs?
Special considerations
Keep in mind that when it comes to choosing coverage online or from an agent, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine if your situation could use an agent’s help.
- What is the rate difference between pleasure use and commuting?
- Is my teenager covered with friends in the car?
- Will I lose any money if I cancel my policy before it expires?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered if I drive in a foreign country?
- Do I need rental car coverage?
- Is my dog or cat covered if injured in an accident?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
Find cheaper insurance prices by comparing often
While you’re price shopping online, never skimp on coverage in order to save money. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
Budget-friendly insurance in Omaha is definitely available on the web in addition to local insurance agencies, and you need to price shop both to have the best rate selection. A few companies don’t offer online quoting and usually these regional insurance providers sell through independent insurance agents.
Drivers leave their current company for many reasons like being labeled a high risk driver, extreme rates for teen drivers, lack of trust in their agent and policy non-renewal. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.
More tips and info about insurance is located in the articles below:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest Car Insurance Rates for a Learners Permit in Omaha? (FAQ)
- How Much are Car Insurance Quotes for 4×4 Vehicles in Omaha? (FAQ)
- How Much are Car Insurance Quotes for Drivers Over Age 60 in Omaha? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Reducing Your Risks in a Car Crash Video (iihs.org)