Best Nissan Sentra Insurance in Aurora

Want to learn how to buy more competitive car insurance rates in Aurora, CO? Aurora buyers have options when searching for low-cost Nissan Sentra insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There is a better way to find car insurance online so we’re going to tell you the best way to price shop coverage for a Nissan and get the cheapest rates from Aurora insurance agents and online providers.

If you already have coverage or are just looking to switch companies, you can use these techniques to buy cheaper auto insurance and still get good coverage. Our objective in writing this article is to instruct you on the most effective way to quote insurance and also save some money in the process Drivers just have to understand the proper way to compare rates using one simple form.

The easiest way to compare rates for Nissan Sentra insurance in Aurora takes advantage of the fact most of the larger companies allow for online access to give rate comparisons. All you need to do is provide a little information such as distance driven, any included safety features, if a SR-22 is needed, and if the car is leased. Those rating factors is automatically sent to multiple different insurance companies and they return quotes with very little delay.

To find the cheapest car insurance rates, click here and complete the form.

The companies in the list below have been selected to offer comparison quotes in Colorado. If you want the best auto insurance in Aurora, it’s a good idea that you compare several of them to find the most competitive auto insurance rates.

Get cheaper Nissan Sentra insurance in Aurora with discounts

Companies that sell car insurance don’t always advertise all their discounts very well, so below is a list both well-publicized as well as some of the hidden discounts that may be available.

• Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you will save nearly 15% which can help you find affordable Nissan Sentra insurance rates in Aurora.
• ABS Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
• Driver’s Ed – Require your teen driver to successfully take a driver’s education course as it can save substantially.
• Defensive Driver Discount – Taking a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
• Professional Organizations – Belonging to a qualifying organization could trigger savings on your bill.
• Homeowners Savings – Just owning your own home may trigger a policy discount on car insurance because maintaining a house shows financial diligence.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free car insurance policy, companies don’t profit that way.

The information below compares Nissan Sentra insurance prices with and without some available policy discounts. The price estimates are based on a male driver, no claims or violations, Colorado 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 multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.

Companies and some of the discounts are outlined below.

• Progressive policyholders can earn discounts including multi-policy, homeowner, good student, online signing, online quote discount, continuous coverage, and multi-vehicle.
• GEICO offers premium reductions for emergency military deployment, anti-theft, seat belt use, defensive driver, good student, anti-lock brakes, and driver training.
• State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, passive restraint, and student away at school.
• Esurance discounts include DriveSense, renters, multi-policy, defensive driver, emergency road assistance, paid-in-full, and multi-car.
• The Hartford may offer discounts for vehicle fuel type, good student, anti-theft, air bag, defensive driver, driver training, and bundle.

When quoting, ask every insurance company what discounts are available to you. Savings may not be offered in Aurora. To choose insurance companies with significant discounts in Colorado, click here.

Rates and statistics

The coverage table displayed below showcases detailed analysis of insurance prices for Nissan Sentra models. Having insight into how prices are established is important for you to make decisions on the best policy to buy.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in Aurora location which can modify auto insurance rates significantly.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates shown below sum up the rate difference between high and low coverage deductibles. The first rate table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in Aurora location which can influence premiums noticeably.

We can derive from the above data that using a $250 deductible costs about $15 more each month or $180 a year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claims, you would save money if you opt for a higher deductible.

The illustration below highlights how deductible choice and can influence Nissan Sentra insurance costs for different ages of insureds. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

Full coverage versus liability-only in Aurora

The information below illustrates the comparison of Nissan Sentra insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no claims or violations, $1,000 deductibles, single status, and no discounts are applied to the premium.

Should you pay for full coverage?

There is no specific rule for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Nissan Sentra claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 a year for physical damage coverage, then you may need to consider dropping full coverage.

There are a few cases where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

How Your Sentra Insurance Premiums are Determined

Many different elements are part of the equation when you get a price on insurance. Some factors are common sense like an MVR report, but some are more obscure such as your marital status or how financially stable you are.

Shown below are some of the most rate-impacting factors auto insurance companies consider when setting prices.

• Men drivers tend to cost more – Over time, data shows women tend to be less risk to insure than men. It does not mean men are worse drivers. Both genders cause fender benders at a similar rate, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 have the highest risk to insure and therefore are the most expensive to insure.

  The chart below shows the difference between Nissan Sentra auto insurance costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

• Use but don’t abuse your insurance – If you are a frequent claim filer, you can expect either higher rates or even cancellation. Car insurance companies in Colorado give the best rates to drivers that do not abuse their auto insurance. Your car insurance is intended for major claims that would cause financial hardship.
• Excellent credit equals lower costs – Having a bad credit history can be a huge factor in determining premium rates. Insureds with very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. If your credit score leaves room for improvement, you could be paying less to insure your Nissan Sentra by spending a little time repairing your credit.
• Lower prices with alarm systems – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft.

• Older drivers save more – Young drivers in Colorado are known to be inattentive and easily distracted when driving with friends and because of this, their auto insurance rates are much higher. Older drivers are viewed as being more responsible, cause fewer claims and accidents, and receive fewer citations.

  The next chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Nissan Sentra historical loss data – Insurers take into consideration insurance loss statistics for every vehicle as a tool for profitable underwriting. Models that statistically have a trend towards higher claims will have higher rates. The next table illustrates the insurance loss data for Nissan Sentra vehicles.

  For each insurance policy coverage type, the claim probability for all vehicles averaged together equals 100. Numbers shown that are under 100 indicate better than average losses, while percentages above 100 show a trend for more claims or an increased probability of a larger loss.

  
  

  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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

What if I want to buy from local Aurora car insurance agents?

Certain consumers just want to buy from a licensed agent and doing so can bring peace of mind Licensed agents are very good at helping people manage risk and help file insurance claims. The best thing about getting free rate quotes online is that you can obtain the lowest rates but also keep your business local. Buying from and supporting small agencies is important especially in Aurora.

For easy comparison, once you complete this quick form, your insurance data is immediately sent to agents in your area who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go immediately to you. If for some reason you want to compare rates from a specific company, you can always navigate to their website and complete a quote there.

When looking for a good Aurora insurance agent, it’s important to understand the different agency structures and how they are distinctly different. Agencies in Aurora can be described as either exclusive or independent agents depending on their company appointments. Both do a good job, but it’s good to learn the difference between them since it could factor into the kind of agent you use.

Independent Agents

Agents of this type are not limited to a single company so as a result can place your coverage through lots of different companies and find you the best rates. If premiums increase, they simply move your policy to a different company and that require little work on your part. When shopping rates, we highly recommend that you include price quotes from a couple of independent agencies to ensure the widest selection of prices. Most also write with companies you’ve never heard of which can save you money.

Listed below is a list of independent agencies in Aurora that may be able to give you free rate quotes.

• BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
  2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map
• A Complete Home and Auto Insurance Agency
  1080 S Sable Blvd – Aurora, CO 80012 – (303) 344-2886 – View Map
• ALINK Insurance Services
  3033 S Parker Rd #120 – Aurora, CO 80014 – (303) 752-6479 – View Map

View more Aurora agents

Exclusive Auto Insurance Agents

Exclusive insurance agents normally can only provide a single company’s rates like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. These agents receive extensive training on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes buy from the same agent for years mostly because of the brand name rather than low price.

Shown below is a list of exclusive insurance agencies in Aurora who can help you get price quotes.

• Allstate Insurance: Norma Contreras
  4272 S Chambers Rd – Aurora, CO 80014 – (303) 699-3327 – View Map
• Allstate Insurance: Roger Francis
  18757 E Hampden Ave Ste 154 – Aurora, CO 80013 – (303) 792-3460 – View Map
• Paul Macaluso – State Farm Insurance Agent
  Ste A6, 16911 E Quincy Ave – Aurora, CO 80015 – (303) 690-6700 – View Map

View more Aurora agents

Selecting an insurance agent should include more criteria than just the bottom line cost. Ask your prospective agent these questions:

• Are claim adjusters local or do you have to take your car somewhere else?
• How are claims handled?
• How often do they review policy coverages?
• What company do they have the most business with?
• What companies can they write with?

Affordable auto insurance is out there

We just covered a lot of information how to get a better price on Nissan Sentra insurance in Aurora. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost Aurora auto insurance quotes. You may even find the lowest car insurance rates are with the least-expected company.

When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. In many instances, an insured cut full coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the best cost, but do not skimp to save money.

Lower-priced Nissan Sentra insurance in Aurora is possible from both online companies and from local agencies, so get free Aurora auto insurance quotes from both of them to have the best selection. Some insurance providers don’t offer online rate quotes and most of the time these regional carriers only sell coverage through local independent agents.

How to find low-cost Nissan Sentra insurance in Aurora

The preferred way to get discount Nissan Sentra insurance in Aurora is to begin comparing prices regularly from different companies in Colorado. This can be done by following these steps.

• First, spend some time learning about coverages and the measures you can take to prevent high rates. Many risk factors that cause rate increases like at-fault accidents and a poor credit score can be remedied by making minor driving habit or lifestyle changes.
• Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO and Allstate, while independent agents can quote prices from many different companies.
• Third, compare the new quotes to your existing policy and determine if there is any savings. If you find a lower rate, make sure coverage does not lapse between policies.

One tip to remember is that you use identical limits and deductibles on each price quote and and to get rates from as many car insurance companies as possible. Doing this guarantees an accurate price comparison and a better comparison of the market.

To read more, feel free to visit the resources below:

• How to shop for a safer car (Insurance Institute for Highway Safety)
• Who Has Cheap Car Insurance Quotes for Young Drivers in Aurora? (FAQ)
• How Much are Auto Insurance Quotes for Drivers Over Age 50 in Aurora? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Parking Tips to Reduce Door Dings (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Institute)