It’s easy to assume that auto insurance companies don’t want you shop around. Consumers who compare rates annually are likely to buy a new policy because the odds are good of finding a more affordable policy premium. A recent survey discovered that drivers who shopped around saved approximately $72 a month compared to people who never shopped around for better prices.
If saving money on auto insurance in Greensboro is your target objective, then learning a little about how to quote and compare car insurance can help you succeed in finding affordable rates.
If you want to save money, the best way to get more affordable Nissan Sentra insurance is to compare prices once a year from companies who sell insurance in Greensboro.
First, try to understand how your policy works and the factors you can control to prevent expensive coverage. Many rating factors that cause high rates like getting speeding tickets and your credit history can be rectified by making small lifestyle or driving habit changes.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while agents who are independent can provide price quotes for a wide range of insurance providers. View rates
Third, compare the new rate quotes to the premium of your current policy to see if cheaper Sentra coverage is available. If you find a lower rate, make sure there is no coverage gap between policies.
One important bit of advice is to make sure you’re comparing similar deductibles and liability limits on each quote request and and to analyze as many different companies as possible. Doing this ensures a fair rate comparison and the best price selection.
How to get affordable Nissan Sentra insurance in Greensboro, North Carolina
To find the best car insurance prices, there are several ways to compare rate quotes from lots of North Carolina car insurance companies. By far the easiest way to find affordable Nissan Sentra insurance rates is to perform an online rate comparison. When comparison shopping, comparing a wide range of rates helps improve the odds of finding more affordable rates. Not every company provides Greensboro Sentra insurance quotes over the internet, so you need to compare quotes from them, too.
The providers in the list below can provide price comparisons in North Carolina. If you want to find cheap car insurance in Greensboro, NC, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Insuring your Nissan vehicle just makes sense
Despite the fact that insurance is not cheap in Greensboro, buying insurance is required by state law in North Carolina and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to drive the car legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your car with a loan, it’s most likely the lender will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Nissan at an extremely high rate and require you to pay for the much more expensive policy.
Third, insurance safeguards both your vehicle and your personal assets. It will also cover many types of medical costs that are the result of an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is overpaying over $825 a year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.
Insurance rate breakdown
The table shown below highlights different prices for Nissan Sentra models. Learning a little about how car insurance premiums are calculated can help you make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $160 | $380 | $282 | $16 | $84 | $922 | $77 |
| Sentra 2.0 S | $160 | $446 | $282 | $16 | $84 | $988 | $82 |
| Sentra 2.0 SR | $160 | $446 | $282 | $16 | $84 | $988 | $82 |
| Sentra 2.0 SL | $184 | $446 | $282 | $16 | $84 | $1,012 | $84 |
| Sentra SE-R | $184 | $446 | $282 | $16 | $84 | $1,012 | $84 |
| Sentra SE-R SPEC V | $184 | $514 | $282 | $16 | $84 | $1,080 | $90 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates significantly.
Higher deductibles save money
One common question asked by Greensboro drivers is how low should you set your deductibles. The rates shown below may aid in understanding the premium difference when you choose different physical damage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $186 | $386 | $250 | $14 | $74 | $935 | $78 |
| Sentra 2.0 S | $186 | $456 | $250 | $14 | $74 | $1,005 | $84 |
| Sentra 2.0 SR | $186 | $456 | $250 | $14 | $74 | $1,005 | $84 |
| Sentra 2.0 SL | $214 | $456 | $250 | $14 | $74 | $1,033 | $86 |
| Sentra SE-R | $214 | $456 | $250 | $14 | $74 | $1,033 | $86 |
| Sentra SE-R SPEC V | $214 | $524 | $250 | $14 | $74 | $1,101 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $104 | $204 | $250 | $14 | $74 | $646 | $54 |
| Sentra 2.0 S | $104 | $240 | $250 | $14 | $74 | $682 | $57 |
| Sentra 2.0 SR | $104 | $240 | $250 | $14 | $74 | $682 | $57 |
| Sentra 2.0 SL | $118 | $240 | $250 | $14 | $74 | $696 | $58 |
| Sentra SE-R | $118 | $240 | $250 | $14 | $74 | $696 | $58 |
| Sentra SE-R SPEC V | $118 | $276 | $250 | $14 | $74 | $732 | $61 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in your specific Greensboro location which can raise or lower premium rates noticeably.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $27 more each month or $324 every year averaged for all Sentra models than quoting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 33 months between claim filings, you would probably save some money if you choose the higher deductible.
How accidents and violations affect rates
The example below shows how traffic citations and fender-benders increase Nissan Sentra insurance prices for each age group. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
Rate comparison of male drivers versus female drivers
The illustration below shows the difference between Nissan Sentra car insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.
Difference between liability only and full coverage rates
The illustration below illustrates the comparison of Nissan Sentra premium costs when comparing full coverage to state minimum liability only. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive rule of when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Nissan Sentra replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after you pay the deductible. If you are paying in excess of $400 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping full coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.
Lower rate quotes by taking advantage of discounts
Insuring your vehicles can cost a lot, but there may be some discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be inquired about before you get the savings. If you are not receiving all the discounts possible, you could be paying more than you need to.
- Include Life Insurance and Save – Some companies give better prices if you take out some life insurance too.
- No Claim Discounts – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% off the PIP or medical payment premium.
- Cautious Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less as compared to drivers with claims.
- Passive Restraints – Factory air bags and/or automatic seat belt systems could see savings of 20% or more.
- Accident Forgiveness – Not necessarily a discount, but certain companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
- Low Miles Discount – Low annual miles could earn lower rates due to less chance of an accident.
- Driver Training Discounts – Taking time to complete a course that instructs on driving safety could cut 5% off your bill and also improve your driving technique.
- Multiple Policy Discount – When you combine your auto and home insurance and place coverage with the same company you may save as much as 10 to 15 percent.
It’s important to note that some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you could get a free insurance policy, insurance companies aren’t that generous. But any discount will positively reduce your overall bill.
The example below shows the comparison of Nissan Sentra insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, multi-car, safe-driver, and claim-free discounts applied.
The best insurance companies and a summarized list of policyholder discounts include:
- Travelers has savings for multi-car, continuous insurance, save driver, multi-policy, and IntelliDrive.
- 21st Century includes discounts for 55 and older, driver training, automatic seat belts, air bags, and defensive driver.
- State Farm policyholders can earn discounts including passive restraint, defensive driving training, multiple autos, safe vehicle, student away at school, and Steer Clear safe driver discount.
- GEICO offers discounts for five-year accident-free, military active duty, driver training, federal employee, seat belt use, anti-theft, and good student.
- SAFECO offers discounts including anti-lock brakes, anti-theft, multi-car, bundle discounts, safe driver, and teen safety rewards.
- AAA may offer discounts for pay-in-full, good student, good driver, multi-policy, AAA membership discount, education and occupation, and multi-car.
It’s a good idea to ask each company or agent which discounts can lower your rates. All car insurance discounts may not apply to policyholders in Greensboro. To locate providers with the best Nissan Sentra insurance discounts in North Carolina, click here.
Buying insurance from Greensboro insurance agents
A small number of people just want to have an agent’s advice and we recommend doing that The biggest benefit of getting online price quotes is you can get cheaper car insurance rates and still buy from a local agent. And supporting local insurance agents is still important in Greensboro.
To make it easy to find an agent, after completing this short form, the coverage information is emailed to insurance agents in Greensboro that give free quotes for your coverage. You won’t need to do any legwork because prices are sent straight to your inbox. You can most likely find cheaper rates and a licensed agent to work with. If you need to get a price quote from a specific company, you can always find their quoting web page and complete a quote there.
Is an exclusive or independent car insurance agent right for you?
If you want to buy insurance from a local Greensboro insurance agency, you should know the different agency structures and how they differ in how they quote coverages. Agencies in Greensboro are categorized either exclusive or independent (non-exclusive).
Independent Insurance Agencies
These type of agents can sell policies from many different companies so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If they find a lower price, your policy is moved internally and you won’t have to switch agencies.
If you are trying to find cheaper rates, it’s recommended you include price quotes from multiple independent agents so that you can do a thorough price comparison. Most also write with different regional companies who may have lower rates.
Shown below is a short list of independent insurance agents in Greensboro that may be able to give price quotes.
- Williford Insurance Group Inc
2201 W Cone Blvd – Greensboro, NC 27408 – (336) 288-1956 – View Map - Ratterree Insurance Agency
5206 W Market St – Greensboro, NC 27409 – (336) 369-0508 – View Map - Nationwide Insurance: O Hanlon Insurance and Financial Services
5411D W Friendly Ave d – Greensboro, NC 27410 – (336) 288-1208 – View Map
Exclusive Insurance Agencies
These agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so it’s a take it or leave it situation. They are trained well on the products they sell which aids in selling service over price. Some consumers prefer to choose to use an exclusive agent primarily because of the brand legacy and strong financial ratings.
Below is a short list of exclusive agencies in Greensboro who can help you get comparison quotes.
- Jim Goard – State Farm Insurance Agent
407 Parkway Ave c – Greensboro, NC 27401 – (336) 274-1918 – View Map - Allstate Insurance: Terrence Williams
2109 New Garden Rd D – Greensboro, NC 27410 – (336) 282-0461 – View Map - Zach Crutchfield – State Farm Insurance Agent
3608 W Friendly Ave #207 – Greensboro, NC 27410 – (336) 547-0316 – View Map
Selecting an insurance agent needs to be determined by more than just the quoted price. Ask your prospective agent these questions:
- Are there any discounts that you might be missing?
- Are they full-time agents?
- Do they carry Errors and Omissions coverage?
- Do they assist clients in filing claims?
- How does the company pay claims for a total loss?
- Will the company cover a rental car if your car is getting fixed?
You can lower your auto insurance rates
People who switch companies do it for a number of reasons such as unfair underwriting practices, questionable increases in premium, not issuing a premium refund or even denial of a claim. No matter why you want to switch, finding a new company is less work than it seems.
We covered many ways to find affordable Nissan Sentra insurance in Greensboro. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable Greensboro auto insurance quotes. You may even be surprised to find that the lowest rates come from some of the smallest insurance companies.
When searching for low cost Greensboro auto insurance quotes, never reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best cost while still protecting your assets.
Even more information is located at these sites:
- Teen Driving Statistics (GEICO)
- Rollover Crash FAQ (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)