Insurance quote for Nissan Sentra in ColumbiaDo you want a faster way to compare more competitive Nissan Sentra insurance in Columbia? I can't think of a single person who likes having to buy auto insurance, in particular when they are paying too much.

A recent survey discovered that over 70% of South Carolina drivers kept their coverage with the same auto insurance company for four years or more, and 38% of customers have never even shopped around for cheap coverage. American drivers could save an average of $859 each year by just shopping around, but they don't believe the amount of savings they would get if they switched to a cheaper policy.

There is such a variety of car insurance companies to pick from, and although it's a good thing to have multiple companies, it makes it harder to find the lowest rates for Nissan Sentra insurance in Columbia.

This article's intent is to teach you the most effective way to quote insurance and some money-saving tips. If you have insurance now, you will definitely be able to save money using the ideas presented in this article. But South Carolina vehicle owners should learn the way insurance companies compete online.

To find affordable Nissan Sentra insurance quotes, there are several ways to compare prices from auto insurance companies in your area. The best method to comparison shop is to perform an online rate comparison.

Comparing free quotes online is easy and it, makes it obsolete to drive to each insurance agency near you. Comparing Nissan Sentra insurance rates online can eliminate the need for a local agent unless you require the professional advice of an agent trained in personal lines coverage. Although you can compare online quotes and have a local agent actually service the policy. Just remember that quoting more will improve the odds of getting the best rates.

The following companies offer free rate quotes in Columbia, SC. If several companies are displayed, it's a good idea that you visit two to three different companies to get the best price comparison.

Nissan Sentra Insurance Price Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $200 $450 $328 $20 $98 $1,096 $91
Sentra 2.0 S $162 $330 $448 $26 $134 $1,100 $92
Sentra 2.0 SR $220 $644 $386 $22 $116 $1,388 $116
Sentra 2.0 SL $294 $624 $342 $20 $102 $1,382 $115
Sentra SE-R $288 $718 $412 $24 $124 $1,566 $131
Sentra SE-R SPEC V $268 $662 $352 $20 $106 $1,408 $117
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can revise premiums substantially.

Accidents and violations increase rates

The information below highlights how traffic violations and at-fault accidents can affect Nissan Sentra auto insurance costs for different categories of driver ages. The premiums assume a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.

How high should deductibles be?

One of the most common auto insurance questions is how high should the physical damage deductibles be. The following insurance rates may aid in understanding the differences in price between low and high deductibles. The first data table uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Nissan Sentra insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $256 $530 $342 $20 $102 $1,275 $106
Sentra 2.0 S $256 $624 $342 $20 $102 $1,369 $114
Sentra 2.0 SR $256 $624 $342 $20 $102 $1,369 $114
Sentra 2.0 SL $294 $624 $342 $20 $102 $1,407 $117
Sentra SE-R $294 $624 $342 $20 $102 $1,407 $117
Sentra SE-R SPEC V $294 $720 $342 $20 $102 $1,503 $125
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Nissan Sentra insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $186 $358 $342 $20 $102 $1,008 $84
Sentra 2.0 S $186 $422 $342 $20 $102 $1,072 $89
Sentra 2.0 SR $186 $422 $342 $20 $102 $1,072 $89
Sentra 2.0 SL $214 $422 $342 $20 $102 $1,100 $92
Sentra SE-R $214 $422 $342 $20 $102 $1,100 $92
Sentra SE-R SPEC V $214 $486 $342 $20 $102 $1,164 $97
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in zip code location which can influence coverage rates noticeably.

We can estimate from the data above that using a $100 deductible will cost you roughly $25 more each month or $300 a year than requesting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 16 months between claim filings, you would probably be better off by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $100 deductibles: $116
Average monthly premium for $500 deductibles (subtract): - $91
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One important issue to know is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. You will want to have access to more funds in the event you need to pay the deductible.

Why you need quality insurance for your Sentra

Despite the potentially high cost of Nissan Sentra insurance, maintaining insurance is mandatory in South Carolina but it also protects more than you think.

The benefits of carrying adequate insurance definitely exceed the price paid, especially for larger claims. But the average driver in South Carolina is wasting up to $850 per year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.

Insurance quotes and discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that could drop your premiums quite a bit. Some discounts will apply when you purchase, but once in a while a discount must be requested specifically before you get the savings.Discount insurance

Just know that some of the credits will not apply to the whole policy. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, insurance companies aren't that generous. Any amount of discount should help lower your overall premium however.

Companies and their offered discounts include:

Before purchasing a policy, check with every insurance company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area.

Car insurance agents near you

Certain consumers would rather get professional advice from a licensed agent and that is a smart decision The best thing about comparing rates online is you may find better rates but still work with a licensed agent. Buying from and supporting local insurance agents is important especially in Columbia.

Find insurance agent in ColumbiaTo help locate an agent, after submitting this short form, your coverage information is immediately sent to local insurance agents in Columbia who will return price quotes for your car insurance coverage. It's much easier because you don't need to find an agent since price quotes are sent directly to your email. You can get cheaper car insurance rates without having to waste a lot of time. If for some reason you want to get a price quote for a specific company, feel free to go to their quote page and give them your coverage information.

If you prefer to buy car insurance from a good Columbia insurance agent, there are two different types of agencies that you can select. Columbia agents can either be exclusive or independent (non-exclusive).

Independent Car Insurance Agents (or Brokers)

These type of agents do not sell for just one brand so they can quote policies amongst many companies and get the cheapest rates. If your agent finds better pricing, your agent can switch companies and the insured can keep the same agent.

If you are comparing car insurance prices, you need to check rates from independent agents to have the most options to choose from.

Below are independent insurance agencies in Columbia that can give you free rate quotes.

7008 Shakespeare Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

7340 Parklane Rd a - Columbia, SC 29223 - (803) 786-2224 - View Map

1320 Elmwood Ave - Columbia, SC 29201 - (803) 779-7854 - View Map

More Columbia agents

Exclusive Insurance Agencies

Agents that elect to be exclusive write business for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive agencies are highly trained on their company's products and that enables them to sell even at higher rates.

Shown below are exclusive agencies in Columbia willing to provide price quote information.

1700 Decker Blvd d - Columbia, SC 29206 - (803) 782-1104 - View Map

Allstate Insurance - Steven Price Agency
2759 Rosewood Dr - Columbia, SC 29205 - (803) 779-4060 - View Map

Ste A16, 7001 St Andrews Rd - Columbia, SC 29212 - (803) 732-3800 - View Map

More Columbia agents

Finding a good auto insurance agent requires you to look at more than just a cheap price. Here are some questions you should ask.

If you get good answers to any questions you may have and an affordable coverage quote, you may have found an auto insurance agent that is reputable and can properly insure your vehicles.

When to get professional advice

Always remember that when buying insurance from an agent or online for your personal vehicles, there really isn't a perfect coverage plan. Your financial needs are unique and your policy should reflect that.Drive safe and save Here are some questions about coverages that can help discover if your situation would benefit from an agent's advice.

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Don't give up on cheap premiums

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

We just showed you many ways to save on Nissan Sentra insurance in Columbia. It's most important to understand that the more quotes you get, the better likelihood of getting low cost Columbia auto insurance quotes. You may even be surprised to find that the lowest prices come from a lesser-known regional company. Smaller companies often have lower rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

Additional car insurance information can be found at the links below