Find Cheaper Nissan Sentra Insurance in Baltimore

Insurance for Nissan SentraAre you tired of overpaying and want cheaper auto insurance rates in Baltimore, MD? Baltimore shoppers have options when shopping for low-cost Nissan Sentra insurance. You can either waste hours driving around getting price quotes or leverage the internet to find the lowest rates. There are both good and bad ways to buy auto insurance and we’ll show you the absolute fastest way to quote coverages for your Nissan and get the cheapest rates either online or from Baltimore insurance agents.

You should make it a habit to compare prices before your next renewal because insurance prices change quite often. Just because you had the best deal on Nissan Sentra insurance in Baltimore a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because I’m going to teach you the right way to find better rates and still maintain coverage.

Buying affordable auto insurance in Baltimore is much easier if you know where to start. If you have a current auto insurance policy, you stand a good chance to be able to buy cheaper auto insurance using the following tips. You just need to learn the quickest method to compare insurance rates from many companies at once.

The method we recommend to compare car insurance rates for Nissan Sentra insurance in Baltimore is to know the fact auto insurance companies actually pay money for the chance to compare rate quotes. To get started, all you need to do is provide information such as if it has an anti-theft system, whether you are single or married, level of coverage desired, and the type of vehicles you drive. Your information is instantly submitted to multiple different insurance companies and they provide comparison quotes quickly.

To compare rates for your Nissan Sentra now, click here and find out if lower rates are available in Baltimore.

The following companies are ready to provide quotes in Maryland. If you wish to find the cheapest car insurance in Maryland, we suggest you click on several of them to find the cheapest auto insurance rates.

Auto insurance discounts help lower rates for Nissan Sentra insurance in Baltimore

Not many people think insurance is cheap, but there are discounts available that can dramatically reduce your bill. A few discounts will automatically apply when you quote, but a few must be inquired about in order for you to get them.Auto insurance discounts

Don’t be shocked that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will reduce the cost of your policy.

The chart below shows the difference between Nissan Sentra auto insurance costs with and without discounts applied to the premium. The premiums assume a female driver, a clean driving record, no claims, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-policy, and multi-car discounts applied.

Some companies that may include these money-saving discounts include:

When getting free Baltimore auto insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of companies that offer discounts in Baltimore, follow this link.

Nissan Sentra insurance statistics and information

The table shown below highlights estimates of coverage prices for Nissan Sentra models. Having a better idea how car insurance premiums are formulated can help drivers make smart choices when buying a policy.

Nissan Sentra Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $238 $536 $390 $24 $116 $1,304 $109
Sentra 2.0 S $238 $632 $390 $24 $116 $1,400 $117
Sentra 2.0 SR $238 $632 $390 $24 $116 $1,400 $117
Sentra 2.0 SL $272 $632 $390 $24 $116 $1,434 $120
Sentra SE-R $272 $632 $390 $24 $116 $1,434 $120
Sentra SE-R SPEC V $272 $728 $390 $24 $116 $1,530 $128
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific garaging location which can influence insurance rates substantially.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The comparison tables below may aid in understanding the rate differences of buying low and high deductibles. The first data set 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 $274 $528 $406 $24 $122 $1,379 $115
Sentra 2.0 S $274 $624 $406 $24 $122 $1,475 $123
Sentra 2.0 SR $274 $624 $406 $24 $122 $1,475 $123
Sentra 2.0 SL $314 $624 $406 $24 $122 $1,515 $126
Sentra SE-R $314 $624 $406 $24 $122 $1,515 $126
Sentra SE-R SPEC V $314 $718 $406 $24 $122 $1,609 $134
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Nissan Sentra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $222 $426 $406 $24 $122 $1,200 $100
Sentra 2.0 S $222 $502 $406 $24 $122 $1,276 $106
Sentra 2.0 SR $222 $502 $406 $24 $122 $1,276 $106
Sentra 2.0 SL $256 $502 $406 $24 $122 $1,310 $109
Sentra SE-R $256 $502 $406 $24 $122 $1,310 $109
Sentra SE-R SPEC V $256 $578 $406 $24 $122 $1,386 $116
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in garaging location in Baltimore which can lower or raise auto insurance rates considerably.

Based on the above data, using a $250 deductible costs roughly $17 more each month or $204 every year than opting for the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 15 months between claims, you would come out ahead if you elect the higher deductible. The table below illustrates a better example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $125
Average monthly premium for $500 deductibles (subtract): – $108
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important note is that higher deductibles results in more money out-of-pocket if you have a claim. You should have some funds available in the event you need to pay the deductible.

Poor driving habits will raise your auto insurance rates

The chart below shows how traffic citations and fender-benders can affect Nissan Sentra auto insurance rates for each different age category. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Gender-based auto insurance rates by age in Baltimore

The illustration below visualizes the comparison of Nissan Sentra auto insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are factored in.

Does it make sense to buy full coverage?

The diagram below illustrates the comparison of Nissan Sentra auto insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no definitive rule that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Nissan Sentra replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Comparing prices from local Baltimore insurance agencies

A small number of people would rather sit down and talk to an agent. Agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing car insurance online is the fact that drivers can get cheap car insurance quotes and still buy from a local agent.

Upon completion of this short form, your information is submitted to agents in your area that give free quotes for your insurance coverage. It makes it easy because there is no need to search for an agent since price quotes are sent directly to you. If for some reason you want to get a comparison quote from a specific car insurance provider, you would need to go to their quote page and submit a quote form there.

Selecting a company requires more thought than just a cheap quote. The answers to these questions are important, too.

How to choose the best car insurance agent in Baltimore

When searching for a reliable insurance agency, you need to know there are two different types of agents and how they work. Car insurance policy providers can be categorized as either independent agents or exclusive agents depending on their employer. Either one can write car insurance policies, but it’s important to point out the difference in how they write coverage since it can impact which type of agent you select.

Exclusive Agencies

Exclusive agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so they really need to provide good service. Exclusive agents receive a lot of sales training in insurance sales and that allows them to sell at a higher price point. Consumers sometimes buy from the same agent for years primarily because of the brand name instead of buying on price only.

Below are Baltimore exclusive insurance agencies who can help you get rate quotes.

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Independent Agencies or Brokers

Agents that choose to be independent can sell policies from many different companies so as a result can place your coverage through many different car insurance companies and find you the best rates. If they find a lower price, an independent agent can move your coverage and you can keep the same agent.

When comparing rate quotes, we recommend you get some free quotes from several independent insurance agents to have the most options to choose from. Most also have access to smaller regional carriers that may provide cheaper car insurance rates.

The following is a short list of independent insurance agencies in Baltimore willing to provide rate quotes.

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It’s not one size fits all

When it comes to choosing coverage online or from an agent, there really is no single plan that fits everyone. Each situation is unique so your insurance needs to address that.Higher deductibles save money
These are some specific questions may help highlight whether your personal situation could use an agent’s help.

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

How to Lower Your Insurance Prices

Multiple criteria are part of the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but others are less apparent such as your credit history and annual miles driven.

The itemized list below are just a few of the factors used by companies to determine rates.

Insurance just makes sense

Even though it can be expensive, insurance may be mandatory for several reasons.

The benefits of insuring your Sentra more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is currently overpaying as much as $830 a year so compare rate quotes every year to help ensure money is not being wasted.

Best auto insurance in Baltimore

Picking a high-quality company can be challenging considering how many different insurance companies sell coverage in Baltimore. The company ratings shown below can help you analyze which car insurance providers to look at purchasing coverage from.

Top Auto Insurance Companies in Maryland
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Be persistent and save

You just read a lot of information how to shop for Nissan Sentra insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive Baltimore auto insurance quotes. Drivers may even discover the most savings is with a small mutual company. They often have lower premium rates on specific markets than their larger competitors like State Farm and Allstate.

When buying insurance coverage, never reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at the best price, but don’t skip important coverages to save money.

Discount Nissan Sentra insurance in Baltimore can be found from both online companies and from local agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get quotes online and most of the time these regional carriers work with independent insurance agents.

Steps to finding better rates for Nissan Sentra insurance in Baltimore

The recommended way to get cheaper auto insurance rates is to regularly compare prices from different companies in Baltimore. Rates can be compared by following these steps.

One bit of advice is to compare the same liability limits and deductibles on each quote and and to analyze as many car insurance companies as possible. This helps ensure a level playing field and and a good selection of different prices.

For more information, feel free to visit the resources below: