Shocking but true, most insurance policyholders kept their policy with the same company for more than four years, and roughly 40% of drivers have never taken the time to shop around. With the average premium in New Jersey being $2,009, drivers can cut their rates by roughly $716 a year just by comparing rates, but they underestimate the large savings they would see if they moved their coverage to a different company.
If you want to save the most money, the best way to find the cheapest price for Nissan Sentra insurance is to start comparing rates regularly from providers who provide car insurance in Jersey City.
- Step 1: Try to understand how companies set rates and the steps you can take to prevent rate increases. Many factors that result in higher prices such as accidents, traffic violations, and a negative credit history can be remedied by improving your driving habits or financial responsibility.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can provide prices for many different companies.
- Step 3: Compare the price quotes to your current policy premium and determine if cheaper Sentra coverage is available. If you find better rates and make a switch, make sure coverage does not lapse between policies.
- Step 4: Notify your company or agent of your intention to cancel your current policy and submit a down payment along with a completed application to the new insurer. As soon as you can, put the new proof of insurance paperwork above your visor, in the console, or in the glove compartment.
One important bit of advice is to make sure you’re comparing the same liability limits and deductibles on each quote request and and to get quotes from as many different insurance providers as possible. This enables an apples-to-apples comparison and a complete rate analysis.
Our goal in writing this article introduce you to the best methods to compare rates and some money-saving tips. If you already have coverage, you will most likely be able to reduce premiums using this strategy. But New Jersey drivers must understand the way insurance companies compete online.
Finding Nissan Sentra insurance in Jersey City, New Jersey
Most companies allow consumers to get insurance quotes online. Doing online price comparisons for Nissan Sentra insurance in Jersey City is fairly simple as you simply type in your coverage preferences as requested by the quote form. Upon sending the form, the company’s rating system will obtain your driving and credit reports and provides a quote based on the data you entered.
This streamlines rate comparisons, and it’s very important to do this if you want to find cheap auto insurance pricing.
To compare rates now, check out the auto insurance providers below. If you have a policy now, it’s recommended you replicate the insurance coverages exactly as shown on your declarations page. This ensures you are getting a fair comparison based on identical coverages.
The companies shown below have been selected to offer comparison quotes in New Jersey. If you wish to find cheap auto insurance in Jersey City, we suggest you compare several of them to find the cheapest car insurance rates.
Insurance coverage details
The rate table displayed next highlights different prices for Nissan Sentra models. Understanding more about how auto insurance premiums are figured can be valuable when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $410 | $746 | $630 | $38 | $188 | $2,012 | $168 |
| Sentra 2.0 S | $410 | $880 | $630 | $38 | $188 | $2,146 | $179 |
| Sentra 2.0 SR | $410 | $880 | $630 | $38 | $188 | $2,146 | $179 |
| Sentra 2.0 SL | $472 | $880 | $630 | $38 | $188 | $2,208 | $184 |
| Sentra SE-R | $472 | $880 | $630 | $38 | $188 | $2,208 | $184 |
| Sentra SE-R SPEC V | $472 | $1014 | $630 | $38 | $188 | $2,342 | $195 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in Jersey City location which can influence rates significantly.
Safe drivers pay less for car insurance
The example below shows how speeding tickets and fender-benders influence Nissan Sentra auto insurance rates for different ages of insureds. The rates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Nissan Sentra liability rates compared to full coverage
The chart below shows the difference between Nissan Sentra insurance costs with and without physical damage coverage. The data assumes no violations or accidents, $250 deductibles, drivers are single, and no discounts are applied.
Should you buy full coverage or liability only?
There isn’t a written rule for dropping comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s assume your Nissan Sentra replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after you pay the deductible. If premiums are more than $600 a year for full coverage, then it could be time to drop full coverage.
There are a few cases where only buying liability is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Compare prices but work with a local neighborhood Jersey City car insurance agent
A lot of people would rather talk to an insurance agent and doing so can bring peace of mind One of the great benefits of comparing rates online is that you can obtain cheaper premium rates and still have an agent to talk to. And providing support for small agencies is important especially in Jersey City.
To find an agent, once you fill out this short form, your information gets sent to participating agents in Jersey City who want to provide quotes for your auto insurance coverage. You don’t have to search for any insurance agencies because quoted prices will be sent instantly to you. You can find lower rates without having to waste a lot of time. If for some reason you want to get a comparison quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.
Exclusive or Independent: There is a difference
If you want to use a reliable insurance agency, there are two types of insurance agents to choose from. Agents can be categorized as either independent or exclusive depending on the company they work for.
Independent Auto Insurance Agencies or Brokers
Independent insurance agents are normally appointed by many insurers and that enables them to quote your coverage with multiple insurance companies and help determine which has the cheapest rates. If premiums increase, they can switch companies in-house and you stay with the same agent.
When comparison shopping, you should always get some free quotes from a couple of independent agencies in order to have the best price comparison. Most independent agents also contract with smaller mutual companies that can offer cheaper rates than bigger companies.
Featured below is a list of independent insurance agencies in Jersey City who may provide free auto insurance rate quotes.
- GIM Agency Services Inc
263 Central Ave – Jersey City, NJ 07307 – (201) 792-4188 – View Map - Blake Agency
370 Pacific Ave – Jersey City, NJ 07304 – (201) 209-0065 – View Map - Royale Insurance Agency
2184 John F. Kennedy Blvd – Jersey City, NJ 07305 – (201) 656-1800 – View Map
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive can only provide one company’s prices like Allstate, State Farm and Farm Bureau. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable in insurance sales which aids in selling service over price. A lot of people buy from exclusive agents mainly due to the prominence of the brand rather than low price.
Shown below is a list of exclusive insurance agents in Jersey City that are able to give rate quotes.
- Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map - Jared Bush – State Farm® Insurance Agent
725 John F. Kennedy Blvd – North Bergen, NJ 07047 – (201) 325-8880 – View Map - Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map
Picking a insurance agent should include more criteria than just a cheap price quote. Here are some questions you might want to ask.
- Do they receive special compensation for putting your coverage with one company over another?
- Can they help ensure a fair claim settlement?
- Will you work with the agent or an assistant?
- How would your car be valued if totaled?
- Do they have cheaper tiers of coverage?
- Do they have a Better Business Bureau rating in Jersey City?
- Will the agent help in case of a claim?
- Where are claims handled?
If you receive acceptable answers to all your questions as well as offering an affordable quote, it’s possible that you found an insurance agent that can be trusted to adequately provide auto insurance.