Buying the cheapest insurance for a Nissan Sentra in Ohio is usually pretty straightforward, but it depends on a lot of rating factors such as age of the vehicle, if you are a frequent claim filer, and whether or not you are a good driver. Drivers in Ohio will pay on average $707 per year for Sentra insurance, but that figure is based upon a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 40 years old or even a male, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Just a slight change in rating variables or coverage information could result in a significant change in the cost of a policy.
This demonstrates why the best way to find the cheapest insurance price for your Nissan is to do the rate comparisons yourself.
The trim level of your vehicle will influence the insurance rate, so the rate you will pay to insure a Sentra 2 trim level will be $116 cheaper than the cost to insure the high end Sentra SE-R SPEC V trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $122 | $274 | $274 | $16 | $82 | $768 | $64 |
| Sentra 2.0 S | $122 | $322 | $274 | $16 | $82 | $816 | $68 |
| Sentra 2.0 SR | $122 | $322 | $274 | $16 | $82 | $816 | $68 |
| Sentra 2.0 SL | $140 | $322 | $274 | $16 | $82 | $834 | $70 |
| Sentra SE-R | $140 | $322 | $274 | $16 | $82 | $834 | $70 |
| Sentra SE-R SPEC V | $140 | $372 | $274 | $16 | $82 | $884 | $74 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in vehicle location which can alter price quotes substantially.
Best insurance company in Ohio
Buying coverage from a highly-rated car insurance company can be rather challenging considering how many different companies there are to choose from in Toledo. The ranking information displayed below can help you decide which coverage providers to look at when shopping around. These rankings are for the largest auto insurers in America, so companies that focus mainly on Ohio business are not factored into this list.
| 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 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
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Data Source: Insure.com Best Car Insurance Companies
Do you need full coverage?
Lowering the price of insurance is probably important to the majority of vehicle owners, and a good way to reduce the cost of insurance for a Nissan Sentra is to only buy liability insurance. The information below visualizes the comparison of insurance costs with and without full coverage. Data assumes no accidents or driving violations, $250 deductibles, single marital status, and no other discounts are factored in.
Averaged for all age groups, physical damage coverage on your policy costs $1,491 per year over and above liability only. That brings up the question if buying full coverage is worth the expense. There is no specific rule to stop paying for physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
There are a few cases where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Here’s why price comparisons are so important
Ohio insurance rates are based on many factors that may substantially change the policy premium. Turning one year older, increasing liability limits, or getting caught speeding can trigger rate changes resulting in some rates now being cheaper than before.
In addition to those changes, car insurance companies amend premium rates as often as every quarter to adjust for unexpected claims or profits. An extended period of higher than normal claims may result in high rates, while a better loss history may result in lower-cost Sentra insurance rates.
To illustrate this point, the chart below shows rates for the cheapest car insurance in Toledo, OH for a 40-year-old female driver with no violations or accidents, and a high credit rating. If we estimate rates based on her current risk profile, Utica National may have the best car insurance rates in Toledo at $808 each year. This is $232 less than the average price paid by Ohio drivers of $1,040. Allied, Erie, Frankenmuth, and Travelers round out the rest of the best Toledo, OH auto insurance companies.
In this example, we will give the driver from the first set of rates a claim surcharge, bad credit, and a traffic citation. Since each auto insurer has a unique approach to establish rates, comparing insurance quotes most likely will result in a new list of cheap Toledo auto insurance companies as shown below.
Cincinnati Insurance now has the cheapest car insurance in Toledo, OH with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also having competitive pricing. This example illustrates why Ohio drivers need to do a thorough rate comparison when trying to find the lowest insurance rates for a Nissan Sentra. Insurance prices are determined by many risk factors and change dramatically, so the best price three years ago may now be priced much higher than other options.
How to find budget-friendly insurance for a Nissan Sentra
Here are some of the better money-saving solutions that can help Ohio drivers locate cheaper car insurance.
- Clean up your credit
- Discounts for being claim-free can be substantial
- Increase deductibles to save money
- Buy your homeowners policy from the same company as your auto insurance
- Do not get into accidents
- Do not get tickets
- Compare rate quotes frequently
The last suggestion is remarkably critical, as was emphasized in the prior article. Insurance rates change a lot, so don’t be afraid to change insurance companies if you find a cheaper price.
Having a favorite company is fine, but is isn’t recommended if that dedication is costing several hundred dollars every year. It only takes a couple minutes to compare prices and find cheaper car insurance for a Nissan Sentra in Toledo.
If you like to have some advice when comparing insurance rates for a Nissan Sentra, the agents below are willing to help you decide which auto insurance coverages would be the best in your situation.
To locate a Toledo car insurance agency close to where you live, click the button link following the list.
Becki Ballenger – State Farm Insurance Agent
3520 Heatherdowns Blvd #5 – Toledo, OH 43614 – (419) 385-5775
Todd Riggs – State Farm Insurance Agent
7109 Central Ave – Toledo, OH 43617 – (419) 841-4800
Allstate Insurance: Tim Wyrostek
2008 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 536-5100