Paying more affordable rates for Nissan Sentra insurance in Aurora could be difficult for drivers not familiar with buying insurance online. There are so many companies to choose from that it can easily be a ton of work to find cheaper prices in Colorado.

Insurance for Nissan SentraSadly, over 70% of consumers kept their coverage with the same car insurance company for a minimum of four years, and nearly half have never shopped around. With the average car insurance premium being $1,800, Colorado drivers could cut their rates by nearly 35% a year by just comparing rate quotes, but most just don't grasp the benefits if they switched.

Free Aurora Nissan Sentra insurance price quotes

When comparison shopping, getting more free quotes will enable you to find more affordable insurance. Some smaller insurers do not give online Aurora Sentra insurance quotes, so you also need to get price quotes from them, too.

The auto insurance companies shown below are our best choices to provide comparison quotes in Aurora, CO. If the list has multiple companies, we suggest you compare several of them to get a more complete price comparison.

Nissan Sentra Insurance Cost Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $174 $340 $362 $22 $108 $1,006 $84
Sentra 2.0 S $162 $416 $474 $28 $142 $1,222 $102
Sentra 2.0 SR $236 $538 $352 $20 $106 $1,252 $104
Sentra 2.0 SL $260 $630 $368 $22 $110 $1,390 $116
Sentra SE-R $168 $340 $352 $20 $106 $986 $82
Sentra SE-R SPEC V $144 $382 $396 $24 $118 $1,064 $89
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in zip code location which can modify auto insurance rates greatly.

Higher deductibles save money

One common question asked by Aurora drivers is how low should you set your deductibles. The following insurance rates sum up the rate difference when you choose different physical damage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Nissan Sentra insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $264 $546 $352 $20 $106 $1,313 $109
Sentra 2.0 S $264 $644 $352 $20 $106 $1,411 $118
Sentra 2.0 SR $264 $644 $352 $20 $106 $1,411 $118
Sentra 2.0 SL $302 $644 $352 $20 $106 $1,449 $121
Sentra SE-R $302 $644 $352 $20 $106 $1,449 $121
Sentra SE-R SPEC V $302 $740 $352 $20 $106 $1,545 $129
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Nissan Sentra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $146 $288 $352 $20 $106 $912 $76
Sentra 2.0 S $146 $340 $352 $20 $106 $964 $80
Sentra 2.0 SR $146 $340 $352 $20 $106 $964 $80
Sentra 2.0 SL $168 $340 $352 $20 $106 $986 $82
Sentra SE-R $168 $340 $352 $20 $106 $986 $82
Sentra SE-R SPEC V $168 $390 $352 $20 $106 $1,036 $86
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in garaging location in Aurora which can lower or raise price quotes considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $38 more each month or $456 every year than buying the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 24 months between claim filings, you would probably come out ahead if you opt for a higher deductible. Here's the way we made this calculation.

Average monthly premium for $100 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $81
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important sidenote is that raising deductibles results in having to pay to pay more out-of-pocket when you have a physical damage claim. You should have enough disposable savings in the event you need to pay the deductible.

Insurance premiums for males and females

The chart below compares Nissan Sentra insurance premiums for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $500 deductibles, single marital status, and no discounts are taken into consideration.

Three reasons insurance is important

Despite the high insurance cost for a Nissan Sentra in Aurora, paying for insurance may be required and benefits you in several ways.

The benefits of having insurance more than cancel out the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer is wasting up to $830 a year so you should quote rates at least once a year to save money.

Learn How to Find Insurance More Affordably

Smart consumers have a good feel for the factors that aid in calculating your insurance rates. If you know what influences your rates, this helps enable you to make changes that could result in lower premium levels. Many things are used when premium rates are determined. Some are obvious like your driving record, but others are more transparent like where you live and annual miles driven.

Lower premiums with GPS tracking and theft deterrents - Buying a car that has an advanced theft prevention system can help lower your rates. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.

More performance means higher premiums - The make and model of the car you are insuring makes a huge difference in your premium level. Since the Nissan Sentra is classified as a sedan, rates will be about the same as compared to the average rate in Aurora. Small economy passenger models generally have the cheapest insurance rates, but your final cost has many other factors.

Premiums are affected by your credit history - A driver's credit score is a big factor in your rate calculation. Consumers who have excellent credit scores tend to file fewer claims than those with lower credit scores. If your credit rating can use some improvement, you may save money insuring your Nissan Sentra by repairing your credit.

Raise comp and collision deductibles and save - Your deductibles define how much you are required to pay if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some examples of covered claims would be rearending another vehicle, hail damage, or theft of your vehicle. The more money you choose to pay out-of-pocket, the less your insurance will be.

Loss statistics for a Nissan Sentra - Insurance companies include the past claim trends for vehicles when they set coverage costs for each model. Models that the data shows to have increased claim numbers or amounts will have higher premium rates.

The next table illustrates the historical loss data for Nissan Sentra vehicles. For each type of coverage, the loss probablilty for all vehicles, as an average, is represented as 100. Values under 100 suggest a positive loss record, while numbers shown that are more than 100 indicate higher probability of having a loss or statistically larger claims.

Nissan Sentra Insurance Claim Statistics

Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Discounts can help lower rates on Nissan Sentra insurance in Aurora

Some companies do not advertise every policy discount in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find discounts that may be available.Discount car insurance

Remember that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way. But any discount will definitely lower the cost of coverage.

If you would like to see a list of companies that offer the discounts shown above in Colorado, click here to view.

Neighborhood Aurora auto insurance agents

A lot of people still like to have an agent's advice and that can be a smart move One of the benefits of comparing rates online is that you can obtain cheaper car insurance rates and still have a local agent. And providing support for local insurance agents is important particularly in Aurora.

Find insurance agent in AuroraAfter filling out this quick form, your insurance coverage information is sent to agents in your area who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to leave your house since rate quotes are delivered directly to you. Get lower rates without requiring a lot of work. If you want to quote rates from a particular provider, you would need to find their quoting web page and complete a quote there.

Two types of Aurora car insurance agents

When searching for a local insurance agency, it can be helpful to understand the different types of agents and how they work. Agents are considered either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies and that is an advantage because they can write policies through many different insurance companies and find you cheaper rates. If they find a cheaper price, they simply move your policy to a different company without you having to go to a different agency. If you are comparing insurance prices, you will want to include price quotes from a few independent agents in order to have the best price comparison. Many independent agencies also insure through different regional companies who may have lower rates.

Featured below is a list of independent insurance agencies in Aurora that may be able to give you price quote information.

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Exclusive Agents

Exclusive insurance agents can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive insurance agents are highly trained on the products they sell and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mainly due to the prominent brand name rather than low rates.

Listed below is a short list of exclusive agents in Aurora who can help you get price quote information.

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Picking an insurance agent needs to be determined by more than just a cheap quote. Any good agent in Aurora should know the answers to these questions.

Compare car insurance prices regularly to save

We just showed you a lot of information how to find lower-cost Nissan Sentra insurance in Aurora. The key thing to remember is the more you quote Aurora car insurance, the better likelihood of getting affordable Aurora car insurance quotes. You may even be surprised to find that the most savings is with a smaller regional carrier.

While you're price shopping online, never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed uninsured motorist or liability limits only to discover later that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

People switch companies for a variety of reasons including policy non-renewal, policy cancellation, high prices and even being labeled a high risk driver. Whatever your reason, choosing a new company is actually quite simple.

Much more information about car insurance in Colorado can be read at the links below