It’s a known fact that insurance companies want to keep you from comparing rates. Consumers who shop for lower prices are very likely to buy a different policy because of the good chance of finding better rates. A recent survey found that people who routinely shopped for cheaper coverage saved over $3,450 over four years compared to other drivers who don’t regularly compare prices.
If saving the most money on Nissan Sentra insurance is your intention, then having a good understanding how to shop and compare cheaper coverage can make it easier to find better rates.
It takes a few minutes, but the best way to find cheaper prices for car insurance rates in Stockton is to start comparing prices yearly from different companies who sell insurance in California. Price quotes can be compared by following these steps.
- Step 1: Learn about how auto insurance works and the factors you can control to keep rates down. Many factors that result in higher prices like speeding and an unfavorable credit rating can be improved by making minor changes to your lifestyle. Read the full article for information to get cheaper rates and earn a bigger discount.
- Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple companies.
- Step 3: Compare the new rates to your existing coverage to see if switching to a new carrier will save money. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide notification to your current company to cancel the current policy. Submit a completed policy application and payment for the new coverage. As soon as you have the new policy, keep the new proof of insurance paperwork somewhere easily accessible.
One tip to remember is that you’ll want to compare similar deductibles and liability limits on each quote and and to get rates from as many companies as feasibly possible. This provides a fair rate comparison and a complete price analysis.
Pricing the lowest-priced protection in Stockton is simple if you know the tricks. If you already have coverage or want to find a cheaper company, you can follow these tips to buy cheaper insurance while maintaining coverages. Vehicle owners just have to understand the most efficient way to get comparison rates from many companies at once.
Reducing your Nissan Sentra insurance rates doesn’t have to be difficult. Just take the time comparing free Stockton car insurance quotes online with multiple companies.
The providers in the list below are ready to provide price comparisons in California. If multiple providers are shown, we suggest you visit as many as you can to get a more complete price comparison.
Auto insurance is not optional in California
Even though Stockton Sentra insurance rates can get expensive, paying for auto insurance is mandatory in California but it also protects more than you think.
First, just about all states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your vehicle, it’s guaranteed your bank will force you to buy full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may buy a policy for your Nissan at a much higher rate and make you pay a much higher amount than you were paying before.
Third, auto insurance preserves both your assets and your Nissan Sentra. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by 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 carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Stockton is overpaying more than $865 each year so compare rate quotes every year to ensure rates are competitive.
Nissan Sentra insurance charts and tables
The premium table shown below covers a range of insurance rates for Nissan Sentra models. Having a good grasp of how insurance premiums are established is important for drivers to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $158 | $354 | $500 | $30 | $150 | $1,192 | $99 |
| Sentra 2.0 S | $158 | $418 | $500 | $30 | $150 | $1,256 | $105 |
| Sentra 2.0 SR | $158 | $418 | $500 | $30 | $150 | $1,256 | $105 |
| Sentra 2.0 SL | $182 | $418 | $500 | $30 | $150 | $1,280 | $107 |
| Sentra SE-R | $182 | $418 | $500 | $30 | $150 | $1,280 | $107 |
| Sentra SE-R SPEC V | $182 | $482 | $500 | $30 | $150 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in specific garaging location which can raise or lower price quotes significantly.
Raise deductibles and save
When comparing insurance rates, the most common question is how high should the physical damage deductibles be. The following insurance rates can help you visualize the rate differences of buying low and high deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $298 | $576 | $442 | $26 | $132 | $1,499 | $125 |
| Sentra 2.0 S | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Sentra 2.0 SR | $298 | $678 | $442 | $26 | $132 | $1,601 | $133 |
| Sentra 2.0 SL | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Sentra SE-R | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Sentra SE-R SPEC V | $342 | $780 | $442 | $26 | $132 | $1,747 | $146 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $242 | $464 | $442 | $26 | $132 | $1,306 | $109 |
| Sentra 2.0 S | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Sentra 2.0 SR | $242 | $546 | $442 | $26 | $132 | $1,388 | $116 |
| Sentra 2.0 SL | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Sentra SE-R | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Sentra SE-R SPEC V | $278 | $630 | $442 | $26 | $132 | $1,508 | $126 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific location information which can revise rates considerably.
Based on this data, using a $250 deductible costs an average of $17 more each month or $204 each year across all Nissan Sentra models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 15 months between claim filings, you would more than likely save some money if you decide on a higher deductible.
Cost of full coverage
The diagram below shows the difference between Nissan Sentra insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no discounts are applied to the premium.
Are you wasting money paying for full coverage?
There is no definitive formula for excluding comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Nissan Sentra book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying your policy deductible. If it’s costing in excess of $200 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Save a ton on Nissan Sentra insurance in Stockton with these discounts
Insurance is neither fun to buy or cheap, but there are discounts available to reduce the price significantly. A few discounts will be applied when you quote, but occasionally some discounts must be asked about prior to receiving the credit.
- Distant Student Discount – Children who live away from home to go to college without a vehicle on campus may qualify for this discount.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
- Anti-lock Brake System – Cars that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
- Low Mileage Discounts – Driving fewer miles may enable drivers to earn substantially lower premium rates.
- Drive Safe and Save – Insureds without accidents can save up to 40% or more on their Stockton car insurance quote as compared to drivers with claims.
- E-sign Discounts – A few larger companies may give you up to $50 shop Stockton car insurance on their website.
- Professional Memberships – Being in a professional or civic organization could qualify you for a break on your next renewal.
- Military Rewards – Being deployed in the military could qualify you for better prices.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
- Auto/Life Discount – Select insurance companies reward you with a discounted price on car insurance if you buy auto and life insurance together.
It’s important to understand that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free insurance policy, that’s just not realistic.
The example below shows the comparison of Nissan Sentra insurance rates with and without discounts applied to the policy premium. The data is based on a female driver, no accidents or driving violations, California 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 homeowner, marriage, safe-driver, multi-policy, multi-car, and claim-free discounts applied.
Some companies that may offer quotes with most of the discounts above possibly include:
It’s a good idea to ask every prospective company what discounts are available to you. A few discounts may not be offered in every state. To choose providers with discount insurance rates in Stockton, click here.
Shop online but buy locally
Many drivers just prefer to get advice from a local agent and that is a personal choice. Professional agents can make sure you are properly covered and help submit paperwork. The biggest benefit of comparing insurance prices online is that drivers can save money and get cheaper prices but also keep your business local. Putting coverage with local agents is definitely important in Stockton.
To make it easy to find an agent, after completing this short form, your coverage information gets sent to companies in Stockton who will give you quotes for your car insurance coverage. There is no reason to visit any agencies since rate quotes are delivered to the email address you provide. In the event you want to compare prices from one company in particular, don’t hesitate to navigate to their website and give them your coverage information.
Pick the best car insurance agent in Stockton for you
If you are wanting to purchase car insurance from a local Stockton insurance agent, there are two different agency structures and how they can write your policy. Agents are either independent or exclusive. Both types can write car insurance policies, but it is important to understand the difference between them because it may have an impact on the kind of agent you use.
Independent Car Insurance Agencies or Brokers
These agents are not limited to a single company so they can write business with an assortment of companies and find the cheapest rate. If they find a cheaper price, your agent can just switch to a different company and you won’t have to switch agencies.
If you need cheaper car insurance rates, it’s recommended you include rate quotes from several independent agencies so that you have a good selection of quotes to compare. Most also write with companies you’ve never heard of who may have lower rates.
The following is a short list of independent insurance agents in Stockton who may be able to give you comparison quotes.
- Pan American Insurance Agency
2800 W March Ln – Stockton, CA 95219 – (209) 955-2600 – View Map - RVA Insurance Agency, Inc
1341 West Robinhood Drive, ste A-1 – Stockton, CA 95207 – (209) 898-0650 – View Map - Nationwide Insurance: Larry Benson Insurance Agency Inc
4545 Georgetown Pl Ste A1 – Stockton, CA 95207 – (209) 337-0241 – View Map
Exclusive Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates like Allstate and State Farm. They usually cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agents receive extensive training on their products and sales techniques which helps them sell on service rather than price. A lot of people use the same agent partially due to the brand legacy and the convenience of having all coverages with one company.
Below are exclusive agencies in Stockton who can help you get comparison quotes.
- Jim Molina – State Farm Insurance Agent
7273 Murray Dr #7 – Stockton, CA 95210 – (209) 473-0516 – View Map - Farmers Insurance: Olivia Lara
4110 N El Dorado St – Stockton, CA 95204 – (209) 518-9465 – View Map - Farmers Insurance: Paula Ortiz
4550 N Pershing Ave #3 – Stockton, CA 95207 – (209) 956-3988 – View Map
Picking the best insurance agent needs to be determined by more than just the bottom line cost. These are some questions your agent should answer.
- What is the agency’s Better Business Bureau rating?
- If independent agents, which companies do they recommend?
- Do they have cheaper tiers of coverage?
- Where would your vehicle be repaired?
- Do they carry Errors and Omissions coverage?
Upon receiving positive responses to these questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can provide car insurance coverage. Keep in mind it’s your coverage and you can terminate coverage any time you want so never assume that you are obligated to a policy with no way out.
Cover all your bases
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage for the lowest price.
Affordable Nissan Sentra insurance in Stockton can be found online and with local Stockton insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent insurance agencies.
People change insurance companies for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easy and end up saving you some money.
More tips and info about car insurance can be found in the articles below:
- Credit Impacts Car Insurance Rates (State Farm)
- How Much are Car Insurance Quotes for a Dodge Ram in Stockton? (FAQ)
- What Insurance is Cheapest for a 20 Year Old Male in Stockton? (FAQ)
- Who Has the Cheapest Stockton Car Insurance Rates for Welfare Recipients? (FAQ)
- Who Has Affordable Car Insurance Quotes for Active Military in Stockton? (FAQ)
- What Insurance is Cheapest for First-time Drivers in Stockton? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Insuring a Leased Car (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)