Who Has Affordable Auto Insurance Rates for a Nissan Sentra in New Orleans?

Buying the cheapest coverage for a Nissan Sentra in Louisiana is dependent upon many factors such as when you were born, whether or not you have prior claims, and your driving record. Drivers in Louisiana will pay around $1,598 annually for Sentra insurance, but that is a projection calculated based on a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.

But there is a high likelihood that you are not 30 and maybe not even a female, you might be married instead of single, and maybe you have sub-par credit that needs to be factored in. Insurance is an individual thing, so the best way to find the cheapest rates for your Nissan is to just compare rates yourself.

Insure Your Nissan for Less

Your Nissan’s trim level tends to impact the insurance rate, so the price you pay to insure a Sentra 2 trim level will be $256 lower than the price to insure the more costly Sentra SE-R SPEC V version, as shown in the chart below.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in New Orleans location which can modify insurance rates greatly.

Comparing quotes for low-priced car insurance is not always easy, and figuring out which companies have the best insurance rates for a Nissan Sentra involves additional perseverance. Every insurance provider has a unique approach for determining rates in each state, so to begin we’ll rank the insurance companies that tend to have lower prices in New Orleans, LA.

Cheapest Insurance Rates for Your Sentra

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USAA may offer some of the lowest car insurance rates in New Orleans at around $1,626 annually. GEICO, MetLife, Progressive, and Southern Farm Bureau would also make the list of some of the most economical New Orleans, LA auto insurance companies.

As shown above, if you have coverage with Progressive and switched to USAA, you might see yearly savings of around $379. Policyholders with Southern Farm Bureau might save as much as $578 a year, and Safeway customers might reduce prices by as much as $594 a year.

To find out how your current rates compare, click here to start a quote or click several companies below for low rates.

Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for a Nissan Sentra. So the auto insurance company that can offer the best rates for your situation may not even be in the top 12 companies in the list above. That is why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Illustration showing the impact of accidents and violations

The recommended way to obtain the most affordable insurance rates in Louisiana for a Sentra is to be an attentive driver and not get tickets or have accidents. The chart below illustrates how speeding tickets and at-fault fender-benders influence auto insurance costs for different age categories. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of car insurance in Louisiana per year with a clean driving record and no accidents is $2,310. Receive one speeding ticket and the average cost hikes up to $2,623, an increase of $313 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of insurance for a Nissan Sentra goes up to an average of $3,497. That’s an increase of $1,187, or $99 per month, just for not driving responsibly!

Price comparison of only insuring for liability

Finding cheaper insurance should be important to most vehicle owners, and one great way to reduce the cost of insurance for a Nissan Sentra is to buy liability only. The illustration below compares annual premium costs when comparing full coverage to liability only. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

As an average for all age groups, full coverage on your policy costs an extra $3,325 per year more than just buying liability insurance. That may make you wonder if buying full coverage is a good investment. There is no clear-cut formula to stop buying full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after paying your deductible. If it’s costing in excess of $600 a year for physical damage coverage, then you might consider buying liability only.

There are some situations where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.

Here’s why price comparisons are so important

New Orleans, LA insurance rates are based on many factors that control the policy price. Simply improving your credit, buying a new vehicle, or getting into an accident may generate price changes that can now make some companies cheaper than before. Not only may your risk profile change, but insurers change prices every year or even multiple times each year to adjust for heavy claims or excess profits. Higher than normal claims can result in higher prices, while lower claims can result in cheaper Sentra insurance rates.

As an example, the chart below demonstrates which company has the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. If we estimate rates based on his current risk factors, USAA has the most affordable car insurance rates in New Orleans at $2,727 each year. This is $313 more than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Southern Farm Bureau are also on the list of the most affordable New Orleans, LA auto insurance companies.

In this next rate comparison, we will give the driver from the first example a claim or two, poor credit, and a speeding citation. Due to the fact that each insurance company has a unique formula to determine rates, comparing rates may now result in a completely different list of the cheapest companies as shown below.

California Casualty now has the cheapest insurance rate in New Orleans, LA with State Farm, MetLife, Safe Auto, and USAA also having competitive pricing. This illustrates why drivers need to compare rates to get cheap auto insurance rates for a Nissan Sentra. Insurance prices are determined by many different factors and can change substantially, so the most affordable company when you bought your policy may now cost much more than other companies.

Tips for buying cheaper insurance for a Nissan Sentra

Lowering your rates is not difficult, and here are some thrifty ideas that can help you locate cheaper coverage.

• Drive vehicles with five-star safety ratings
• Try to not file small claims
• At-fault accidents can raise rates significantly
• Just one traffic violation will increase your rates
• Good credit can mean cheaper rates
• Look for cheaper rates once a year by shopping around

The last item on the list is certainly important, as we stressed in this piece. Coverage prices can be modified anytime, so don’t be tentative to buy from a new company if you find a cheaper price.

Having brand loyalty is commendable, but is isn’t recommended if that inflexibility results in costing you money that could be spent on other things. Now is a great time to compare rates and find cheaper insurance for a Nissan Sentra in New Orleans.

If you have questions and prefer to get help from a professional when comparing insurance rates for a Nissan Sentra, the agents listed below can most likely answer your questions and help you decide which insurance coverage will be best for you. To find a New Orleans insurance agent by location nearest to you, click the button below the list.

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