Who Has Cheap San Jose Auto Insurance for a Nissan Sentra?

Buying economical coverage for a Nissan Sentra in California depends on a whole bunch of rating criteria such as whether you are married or single, the condition of your credit, and any past driving violations you may have had. Drivers pay around $1,412 each year for Sentra insurance, but that cost is a projection based on a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.

It’s highly likely you may not be 40 years old (or even female), you might be married instead of single, or maybe you just want liability only instead of full coverage. Have just a small change in the rating criteria used to formulate rates could end up with a large change in the policy cost.

Different coverage needs are the reason why the way we recommend to find the cheapest rates for your Nissan is to do a thorough rate comparison.

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Your vehicle’s trim level will have an impact the cost of insurance, so the price to insure a Sentra 2 trim level will cost $222 less than the cost to insure the more expensive Sentra SE-R SPEC V model, as shown by the rates below.

Nissan Sentra Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $232 $524 $574 $34 $172 $1,536 $128
Sentra 2.0 S $232 $618 $574 $34 $172 $1,630 $136
Sentra 2.0 SR $232 $618 $574 $34 $172 $1,630 $136
Sentra 2.0 SL $266 $618 $574 $34 $172 $1,664 $139
Sentra SE-R $266 $618 $574 $34 $172 $1,664 $139
Sentra SE-R SPEC V $266 $712 $574 $34 $172 $1,758 $147
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in San Jose location which can affect price quotes greatly.

Buying coverage from a good quality auto insurance provider can be difficult considering how many different companies insure vehicles in San Jose. The company ratings displayed below can help you decide which providers to look at when trying to find the cheapest insurance for a Nissan Sentra.

The rankings below are for companies that write coverage in many states, so companies that may only write in California are not factored into this list. To check rates from these and other competitive companies, click here.

Top Ten Insurance Companies for a Nissan Sentra in San Jose, CA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
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Data Source: Insure.com Best Car Insurance Companies

Difference between liability only and full coverage rates

Saving on insurance is probably important to the majority of drivers, and an effective way to buy cheap insurance for a Nissan Sentra is to not insure for full coverage. The example below visualizes the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes no violations or accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

As an overall average, comp and collision coverage costs an additional $2,308 per year more than carrying just liability coverage. That amount may make you wonder if it’s a good idea to buy full coverage. There is no clear-cut rule that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

The importance of shopping around for Sentra insurance

San Jose insurance rates are based on many factors which can substantially change the policy price. Simply improving your credit, buying a home, or getting into an accident may prompt premium changes resulting in some rates now being affordable when they were higher priced.

Additionally, companies modify rates at least once a year to adjust for heavy claims or excess profits. Higher than usual claims may result in price increases, while profitable underwriting may cause cheaper Sentra insurance rates.

To illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in San Jose, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. Based on her current risk factors, USAA offers the lowest car insurance rates in San Jose at $1,216 per year. This is $435 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest San Jose, CA auto insurance companies.

Let’s now give the driver from above a chargeable accident, bad credit, and a stop sign violation. Due to the fact that every auto insurer has their own unique process to set premium rates, analyzing rates could now result in a different set of affordable San Jose car insurance companies as shown below.

Grange now has the cheapest price in San Jose with Mercury, Progressive, GEICO, and Allstate now being in the top five. This demonstrates why it is critical to shop around when trying to get the most affordable car insurance rates for a Nissan Sentra. Auto insurance prices are impacted by many factors and can decrease or increase without notice, so the cheapest company the last time you compared rates may now be one of the more expensive options.

Tips for buying low-cost car insurance for a Nissan Sentra

Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help San Jose drivers buy low-cost car insurance.

The last tip is extremely crucial, as was noted in this article. Prices charged by car insurance companies in San Jose fluctuate considerably, so drivers shouldn’t be reluctant to switch carriers if you can find a cheaper rate. We understand brand loyalty, but it isn’t a good idea if that stubbornness costs you thousands of dollars over several years. In less than five minutes you could compare rates and find cheaper car insurance for a Nissan Sentra.

The San Jose, CA, insurance agents below can answer your questions and help you decide which insurance coverage will be best for you, since lots of people like to have a professional recommendation when shopping around for cheaper insurance for a Sentra. It can be difficult to find coverage yourself, so using a licensed agent can give satisfaction knowing your coverage gives you adequate protection. To locate a San Jose car insurance agency near you, click the link after the list or click here to get price quotes now.

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