Cheapest Nissan Sentra Insurance in Cleveland

Do you need a better way to compare more competitive Nissan Sentra insurance in Cleveland? Feel like you have high-priced Nissan Sentra insurance in Cleveland? Believe me, many Cleveland consumers feel financially strained by their insurance policy.

Discount Nissan Sentra insuranceIt’s hard to believe, but most insurance buyers kept their coverage with the same insurance company for four years or more, and 38% of customers have never compared rates from other carriers. With the average premium in Ohio being $1,340, drivers could save an average of almost 55% each year just by comparing rates, but they just don’t understand the big savings they would realize if they moved their coverage to a different company.

How to find cheaper Nissan Sentra insurance in Cleveland

The best way we recommend to find cheaper Nissan Sentra insurance in Cleveland is to start comparing rates regularly from insurers who provide auto insurance in Ohio.

  1. Spend some time learning about the different coverages in a policy and the modifications you can make to prevent rate increases. Many rating criteria that cause rate increases such as traffic citations, accidents, and an unacceptable credit score can be rectified by making minor changes in your lifestyle. Continue reading for ideas to help prevent high rates and find discounts that you may qualify for.
  2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple sources. View prices
  3. Compare the new rate quotes to your current policy premium and see if you can save money. If you can save money, verify that coverage does not lapse between policies.

The key thing to remember is that you use identical limits and deductibles on every quote and and to get price quotes from as many carriers as you can. Doing this ensures an apples-to-apples comparison and the best price selection.

Having so many choices for buying cheap insurance for a Nissan Sentra in Cleveland, it can be hard to choose the best company.

It’s a good habit to do rate comparisons quite often because prices trend upward over time. Even if you think you had the best quotes on Nissan Sentra insurance in Cleveland two years ago you can probably find a better rate now. Forget all the misinformation about insurance because we’re going to show you the tricks you need to know to find better rates and still maintain coverage.

Car insurance providers offering low-cost rate quotes in Ohio

The companies shown below can provide free quotes in Ohio. To find the best cheap car insurance in OH, we suggest you compare several of them in order to find the most affordable rates.

Analysis of Nissan Sentra rates

The premium information shown below highlights detailed analysis of insurance prices for Nissan Sentra models. Having a better idea how insurance policy rates are formulated helps drivers make decisions when shopping around.

Nissan Sentra Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $82 $192 $256 $16 $76 $622 $52
Sentra 2.0 S $82 $226 $256 $16 $76 $656 $55
Sentra 2.0 SR $82 $226 $256 $16 $76 $656 $55
Sentra 2.0 SL $94 $226 $256 $16 $76 $668 $56
Sentra SE-R $94 $226 $256 $16 $76 $668 $56
Sentra SE-R SPEC V $94 $260 $256 $16 $76 $702 $59
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in Cleveland location which can alter premiums substantially.

Comparison of policy deductibles

One of the most common car insurance questions is which deductible level should you buy. The premium rates below may aid in understanding how much more rates are of buying low and high deductibles. The first rate table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Nissan Sentra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $152 $296 $226 $14 $68 $781 $65
Sentra 2.0 S $152 $348 $226 $14 $68 $833 $69
Sentra 2.0 SR $152 $348 $226 $14 $68 $833 $69
Sentra 2.0 SL $176 $348 $226 $14 $68 $857 $71
Sentra SE-R $176 $348 $226 $14 $68 $857 $71
Sentra SE-R SPEC V $176 $400 $226 $14 $68 $909 $76
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Nissan Sentra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $124 $238 $226 $14 $68 $670 $56
Sentra 2.0 S $124 $280 $226 $14 $68 $712 $59
Sentra 2.0 SR $124 $280 $226 $14 $68 $712 $59
Sentra 2.0 SL $142 $280 $226 $14 $68 $730 $61
Sentra SE-R $142 $280 $226 $14 $68 $730 $61
Sentra SE-R SPEC V $142 $324 $226 $14 $68 $774 $65
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates significantly.

Based on the figures above, using a $250 deductible costs roughly $10 more each month or $120 annually averaged for all Sentra models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 25 months between claims, you would save money if you choose the higher deductible.

Cost of full coverage in Cleveland

The chart below compares Nissan Sentra auto insurance costs with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive rule that works best for making the decision to drop physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Nissan Sentra claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If you are paying more than $600 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some circumstances where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Do you qualify for discounts on Nissan Sentra insurance in Cleveland?

Not many people think insurance is cheap, but you may be missing some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but a few must be specifically requested in order for you to get them.Insurance discounts

We need to note that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride.

The information below visualizes the comparison of Nissan Sentra insurance rates with and without policy discounts. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, marriage, multi-car, and safe-driver discounts applied.

A few companies who might offer most of these discounts include:

Double check with all the companies how many discounts you can get. All car insurance discounts may not be available in every state.

Cleveland Insurance Costs are Influenced by These Factors

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help calculate your car insurance rates. When you understand what impacts premium levels, this enables you to make decisions that could help you find much lower annual insurance costs.

The list below includes some of the things car insurance companies consider when setting your rates.

A car insurance policy lapse is a bad thing – Allowing your coverage to lapse is a guaranteed way to increase your renewal premiums. In addition to paying higher rates, being ticketed for driving with no insurance can result in fines or a revoked license. You will then be forced to file a SR-22 with the Ohio DMV.

Is your vehicle theft-ready? – Choosing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder vehicle theft.

Fast cars cost more to insure – The make and model of the car, truck or SUV you own makes a big difference in determining your rates. The lowest base rates are usually for smaller low performance passenger vehicles, but that’s not the only thing that factors into the final price.

The next chart uses these assumptions: married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Nissan Sentra rates compared to other models that have a range of performances.

High coverage deductibles lower prices – Your deductibles define the amount you are willing to pay out-of-pocket if the claim is covered. Physical damage coverage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, hail damage, and damage from wind. The higher the amount the insured has to pay upfront, the less your car insurance will be.

Liability is peace of mind – The liability section of your policy will protect you if ever you are determined to be liable for physical damage or personal injury to other. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.

Insurance losses for a Nissan Sentra – Insurance companies use historical loss data when they file their rates in each state. Models that tend to have increased claim numbers or amounts will be charged more to insure.

The table below outlines the insurance loss data used by companies for Nissan Sentra vehicles. For each coverage category, the claim amount for all vehicles averaged together is represented as 100. Percentages below 100 mean the vehicle has better than average losses, while values that are above 100 point to more losses or tendency to have larger claims.

Nissan Sentra Insurance Claim Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Sentra 120 107 81 158 179 141

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When to get professional advice

When it comes to choosing your policy for your personal vehicles, there is no single plan that fits everyone. You are unique.Higher deductibles save money

For example, these questions can help discover whether your personal situation will benefit from professional help.

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance agents near you

Certain consumers just want to get professional advice from a licensed agent and doing so can bring peace of mind Agents can answer important questions and help file insurance claims. A nice benefit of getting online price quotes is you can get cheap auto insurance quotes and also buy local.

To find an agent, once you fill out this short form, your information is transmitted to participating agents in Cleveland who will return price quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to do any legwork as quotes are delivered immediately to your email address. If for some reason you want to quote rates from a specific company, you would need to navigate to their website to submit a rate quote request.

Finding a good insurer should include more criteria than just a low price. Before buying a policy in Cleveland, get answers to these questions.

Exclusive agents vs. Independent agents

If you’re trying to find a local agent, it can be helpful to understand the types of insurance agents and how they are distinctly different. Auto insurance agents in Cleveland are considered either exclusive agents or independent agents. Both properly insure your vehicles, but it’s worth learning the difference between them because it can factor into buying decisions.

Exclusive Insurance Agents

Exclusive agencies can usually just insure with one company and some examples include Farmers Insurance or State Farm. Exclusive agents are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. These agents are very knowledgeable on the products they sell which can be an advantage.

The following are Cleveland exclusive agencies who can help you get price quotes.

Robert Jones – State Farm Insurance Agent
12405 Larchmere BlvdCleveland, OH 44120(216) 229-3276View Map

3878 Rocky River Dr Ste 4Cleveland, OH 44111(216) 251-5300View Map

4719 State RdCleveland, OH 44109(216) 739-0990View Map

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Independent Insurance Agents

Agents in the independent channel do not write with just one company so as a result can place your coverage through lots of different companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and you can keep the same agent.

When comparing auto insurance rates, you absolutely need to contact at a minimum one independent agency so that you can do a thorough price comparison.

The following is a list of independent agents in Cleveland who can help you get rate quotes.

23980 Chagrin BlvdCleveland, OH 44122(216) 766-6300View Map

569 E 185th StCleveland, OH 44119(216) 486-4170View Map

12300 Lorain AveCleveland, OH 44111(216) 251-7374View Map

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Cleveland auto insurance company ratings

Buying coverage from a good quality auto insurance company can be rather challenging considering how many companies are available to choose from in Cleveland. The rank data below could help you pick which car insurance companies you want to consider comparing rates from.

Top Auto Insurance Companies in Ohio
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
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
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: Best Car Insurance Companies

Quote. Compare. Save.

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are many occasions where an insured dropped full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Drivers leave their current company for any number of reasons including poor customer service, an unsatisfactory settlement offer, delays in paying claims and even denial of a claim. Regardless of your reason for switching companies, switching companies can be easier than you think.

We just covered many ways to reduce Nissan Sentra insurance premium rates online in Cleveland. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising.

Steps to finding affordable quotes for Nissan Sentra insurance in Cleveland

The recommended way to get budget Nissan Sentra insurance in Cleveland is to regularly compare quotes from companies in Ohio. You can compare prices by following these steps.

Step 1: Take a few minutes and learn about what coverages are included in your policy and the measures you can control to keep rates in check. Many risk factors that cause high rates like at-fault accidents, careless driving, and an imperfect credit rating can be eliminated by making minor changes to your lifestyle.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.

Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Give notification to your agent or company of your intention to cancel your existing policy. Submit payment and a signed application to the new insurer. Immediately upon receiving it, store the proof of insurance paperwork with the vehicle registration.

A good tip to remember is to compare identical limits and deductibles on every quote and and to analyze every insurance company. This provides a fair price comparison and a thorough selection of prices.

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