How long has it been since you compared quotes for lower-priced Nissan Sentra insurance in Miami? Did budget coverage turn out to be high-priced Nissan Sentra insurance in Miami? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.
Anyone knows that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around at least once a year will, in all likelihood, switch to a new company because there is a high probability of finding a lower rate. Remarkably, a study showed that people who compared rates annually saved approximately $865 annually compared to people who never shopped for cheaper rates.
If finding the best price on Nissan Sentra insurance is the reason for your visit, learning how to get price quotes and compare insurance coverage can save money and time.
How to buy discount Nissan Sentra insurance in Miami
The best way we recommend to find lower priced Nissan Sentra insurance is to start comparing prices yearly from insurance carriers in Miami. Rates can be compared by following these steps.
- First, it will benefit you to learn about coverages and the steps you can take to keep rates low. Many rating factors that are responsible for high rates such as speeding tickets, careless driving and poor credit history can be improved by being financially responsible and driving safely. Later in this article we will cover more information to prevent high rates and get bigger discounts.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple insurance companies.
- Third, compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
One key aspect when comparing rates is to compare the same deductibles and limits on each price quote and and to get prices from as many different companies as possible. This enables a fair price comparison and a thorough price selection.
Big companies like GEICO, Farmers Insurance and State Farm increase brand awareness with ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.
It’s a good idea to compare prices occasionally since insurance prices are usually higher with each renewal. Even if you got the best price on Nissan Sentra insurance in Miami a year ago you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the things you must know in order to reduce your cost while increasing coverage.
If you have insurance now or just want a better rate, you can use this information to reduce the price you pay without reducing protection. Locating the best rates in Miami is really quite simple as long as you have a good starting point. Drivers only need an understanding of the most efficient way to compare rates from many different companies online.
How much does Nissan Sentra insurance in Miami, Florida cost?
Most companies allow consumers to get coverage price quotes online. The process is quite easy as you simply type in the amount of coverage you want on the page. After you complete the form, their quoting system sends out for credit information and your driving record and returns a price based on many factors. Quoting online for Nissan Sentra insurance in Miami streamlines rate comparisons, and it’s also necessary to do this if you want to get a lower rate.
To save time and compare rates using this form now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you replicate deductibles and limits just like they are on your policy. Doing this assures you will have comparison quotes for the exact same coverage.
The auto insurance companies shown below are our best choices to provide price quotes in Miami, FL. If you want to find the best cheap auto insurance in Miami, FL, we recommend you visit as many as you can to get the most affordable price.
Three reasons auto insurance is important
Even though it’s not necessarily cheap to insure a Nissan in Miami, buying auto insurance is required by state law in Florida and it also provides benefits you may not be aware of.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability protection if you don’t want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, it’s guaranteed your bank will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Nissan at a more expensive rate and require you to fork over the higher premium.
Third, auto insurance protects not only your vehicle but also your assets. It will also cover many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance outweigh the cost, especially if you ever need it. But the average driver in Florida is currently overpaying as much as $800 each year so you should quote rates at every policy renewal to ensure rates are competitive.
Car insurance analysis for a Nissan Sentra
The coverage information below showcases different coverage prices for Nissan Sentra models. Having a better understanding of how insurance prices are established can help drivers make informed decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$166||$454||$542||$32||$162||$1,356||$113|
|Sentra 2.0 SR||$166||$454||$542||$32||$162||$1,356||$113|
|Sentra 2.0 SL||$192||$454||$542||$32||$162||$1,382||$115|
|Sentra SE-R SPEC V||$192||$524||$542||$32||$162||$1,452||$121|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific location which can increase or decrease coverage rates greatly.
Physical damage deductibles: Should you raise them?
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following insurance rates show the difference in cost when you choose different deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$280||$640||$418||$24||$124||$1,511||$126|
|Sentra 2.0 SR||$280||$640||$418||$24||$124||$1,511||$126|
|Sentra 2.0 SL||$322||$640||$418||$24||$124||$1,553||$129|
|Sentra SE-R SPEC V||$322||$736||$418||$24||$124||$1,649||$137|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$228||$516||$418||$24||$124||$1,310||$109|
|Sentra 2.0 SR||$228||$516||$418||$24||$124||$1,310||$109|
|Sentra 2.0 SL||$262||$516||$418||$24||$124||$1,344||$112|
|Sentra SE-R SPEC V||$262||$594||$418||$24||$124||$1,422||$119|
|Get Your Own Custom Quote Go|
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in vehicle location which can revise coverage rates greatly.
Based on the above data, using a $250 deductible will cost you approximately $17 more each month or $204 annually than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at least 15 months between claim filings, you would probably come out ahead going with the higher deductible.
How to calculate if a higher deductible is a good decision
|Average monthly premium for $250 deductibles:||$128|
|Average monthly premium for $500 deductibles (subtract):||– $111|
|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|
An important sidenote is that a higher deductible results in more money out-of-pocket at claim time. That will require some non-essential savings in order to pay the higher deductible in order to repair your vehicle.
The example below illustrates how your deductible choice and can increase or decrease Nissan Sentra insurance costs for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Illustration showing the impact of accidents and violations
The example below shows how traffic citations and at-fault claims drive up Nissan Sentra auto insurance rates for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Car insurance rates based on gender
The chart below illustrates the difference between Nissan Sentra car insurance costs for male and female drivers. The premiums are based on no violations or claims, full physical damage coverage, $100 deductibles, single status, and no other discounts are factored in.
Cost of full coverage in Miami
The example below illustrates the comparison of Nissan Sentra auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or claims, $1,000 deductibles, marital status is single, and no discounts are factored in.
When to drop comprehensive and collision
There isn’t a steadfast formula of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Nissan Sentra replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $5,000 after you pay the deductible. If premium cost is more than $500 annually for physical damage coverage, then you might consider buying liability only.
There are some situations where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
You may qualify for discounts for Nissan Sentra insurance in Miami
Not too many consumers would say car insurance is affordable, but you might be missing out on some discounts that you may not know about. Some discounts will apply at the time you complete a quote, but lesser-known reductions have to be asked about before you get the savings. If you’re not getting every credit possible, you may be paying too high a price.
- Responsible Drivers – Safe drivers can save as much as half off their rates than drivers with accidents.
- Payment Discounts – By making one initial payment instead of paying each month you can avoid monthly service charges.
- One Accident Forgiven – Not really a discount, but a few companies such as Allstate and Progressive will allow you to have one accident before your rates go up if you are claim-free for a specific time period.
- Onboard Data Collection – Policyholders that allow driving data collection to monitor their driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
- Active Service Discounts – Having a family member in the military may qualify for rate reductions.
- Good Grades Discount – Excelling in school can get you a discount of up to 25%. This discount can apply up to age 25.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts could save 15% off PIP or medical payments premium.
- Defensive Driver – Taking time to complete a class that teaches safe driver techniques may get you a small discount and easily recoup the cost of the course.
It’s important to note that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, car insurance companies aren’t that generous.
The illustration below illustrates the comparison of Nissan Sentra auto insurance rates with and without discounts applied. The prices are based on a female driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, multi-car, claim-free, and safe-driver discounts applied.
Insurance companies that may include some of the discounts shown above include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
If you want cheaper Miami car insurance quotes, ask all the companies how many discounts you can get. Some discounts listed above might not be offered on policies in every state. If you would like to view providers that offer discounts in Miami, click here.
Insurance agent or online?
A small number of people still prefer to go talk to an agent and that is recommended in a lot of cases Professional insurance agents can make sure you are properly covered and help file insurance claims. One of the great benefits of comparing rates online is that you can find lower rates and still choose a local agent. Buying from neighborhood insurance agencies is important especially in Miami.
By using this form (opens in new window), your insurance data is submitted to companies in Miami that give free quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent as quotes are delivered directly to you. If you need to compare rates from a specific insurance company, you just need to navigate to their website and complete a quote there.
Not all car insurance agents are the same
When searching for a good insurance agency, it helps to know the two types of insurance agents and how they work. Miami agents are categorized either independent agents or exclusive agents depending on their employer. Either one can properly insure your vehicles, but it’s good to learn the difference in how they write coverage since it could factor into your selection of an agent.
Independent Auto Insurance Agencies
Agents that elect to be independent can sell policies from many different companies so they can insure your vehicles through many different auto insurance companies and help determine which has the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to find a new agent. When searching for an agent, it’s a good idea to get some free quotes from a few independent agents so that you can do a thorough price comparison.
The following is a small list of independent insurance agencies in Miami who may provide rate quotes.
Exclusive Insurance Agents
Agents that elect to be exclusive work for only one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are well schooled on the products they sell which helps overcome the inability to quote other rates.
Below is a list of exclusive agencies in Miami who can help you get comparison quotes.
Rick Gonzalez – State Farm Insurance Agent
8830 Coral Way – Miami, FL 33165 – (305) 226-3412 – View Map
Selecting an insurance agent requires you to look at more than just a low price. Here are some questions you should ask.
- Are they giving you every discount you deserve?
- Is there a 24/7 contact number?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they get extra compensation for selling add-on coverages?
- Will they make sure you get an adequate claim settlement?
After you get good feedback to these questions and an affordable coverage quote, it’s possible that you found an auto insurance agent that can adequately provide auto insurance.
Situations that may require an agent’s advice
When quoting and choosing your policy for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.
For instance, these questions could help you determine whether you would benefit from professional advice.
- Is my teen driver covered when they drive my company car?
- Does my personal policy cover me when driving out-of-state?
- Why am I required to buy high-risk coverage?
- Why are teen drivers so expensive to add on to my policy?
- Should I have a commercial auto policy?
- I have a DUI can I still get coverage?
- Should I file a claim if it’s only slightly more than my deductible?
If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Auto insurance coverages
Understanding the coverages of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.
Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 10/20/10 which means a limit of $10,000 per injured person, a total of $20,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things like funeral expenses, structural damage, medical services, bail bonds and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford. Florida requires drivers to carry at least 10/20/10 but it’s recommended drivers buy more liability than the minimum.
The chart below demonstrates why buying the state minimum limits may not provide adequate coverage.
Coverage for medical payments
Med pay and PIP coverage reimburse you for immediate expenses like pain medications, funeral costs, hospital visits, nursing services and EMT expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (Florida limits are 10/20/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like damage from flooding, a tree branch falling on your vehicle, rock chips in glass, hitting a deer and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car, scraping a guard rail, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible on your Sentra to save money on collision insurance.
Budget-conscious Nissan Sentra insurance can be sourced online and from local insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agencies.
Consumers switch companies for many reasons like delays in responding to claim requests, questionable increases in premium, policy non-renewal and unfair underwriting practices. Whatever your reason, switching companies is not as hard as you think.
When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage only to find out that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.
Steps to buying discount Nissan Sentra insurance in Miami
The preferred way to save money on Nissan Sentra insurance in Miami is to start comparing rates regularly from insurers who can sell car insurance in Florida.
- Step 1: Try to learn about how companies price auto insurance and the measures you can take to prevent expensive coverage. Many factors that cause rate increases like tickets, at-fault accidents, and a not-so-good credit history can be eliminated by making minor changes in your lifestyle.
- Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can provide price quotes for a wide range of insurance providers. Start a quote
- Step 3: Compare the price quotes to your existing policy and determine if cheaper Sentra coverage is available in Miami. If you can save some money, ensure there is no coverage lapse between policies.
- Step 4: Give notification to your current company of your intention to cancel your existing policy. Submit payment and a signed application to your new insurance company. Once coverage is bound, place the new certificate verifying proof of insurance in an accessible location in your vehicle.
The key thing to remember is that you’ll want to make sure you compare identical coverage information on every price quote and and to get rate quotes from all possible companies. This enables an apples-to-apples comparison and the best price selection.
To learn more, feel free to browse the articles below:
- Understanding Limits and Deductibles (Allstate)
- Who Has Affordable Miami Auto Insurance Rates for a Ford F-150? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Chevrolet Malibu in Miami? (FAQ)
- Who Has Affordable Car Insurance for a Toyota Camry in Miami? (FAQ)
- Who Has the Cheapest Auto Insurance for High Mileage Drivers in Miami? (FAQ)
- How Much are Auto Insurance Quotes with Multiple Speeding Tickets in Miami? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Silverado in Miami? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Car Insurance FAQ (Trusted Choice)