Do you get confused by the dozens of insurance companies that you can choose from? You’re not alone. You have such a large number of options that it can be a real difficult job to find the perfect company for you. Nashville is a wonderful place to live, but budgeting for expensive insurance makes it very hard to be able to afford adequate coverage.
It’s safe to assume that auto insurance companies don’t want you to compare rates. Drivers who shop around are highly likely to move their business because they have good chances of finding a lower-cost company. A study discovered that people who routinely shopped for cheaper coverage saved over $3,500 over four years compared to drivers who never compared other company’s rates.
If finding the cheapest price on auto insurance is your objective, then having some insight into the best ways to find and compare car insurance can save time and money.
It’s a good idea to take a look at other company’s rates on a regular basis because insurance rates are constantly changing. Even if you got the best rate on Nissan Sentra insurance in Nashville at your last renewal there is a good chance you can find better prices now. You can search a lot of Sentra insurance on the internet, but in this article, you’re going to get some of the best ways to find affordable insurance in Nashville.
If you have coverage now, you will be able to reduce the price you pay using the ideas covered in this article. The purpose of this article is to teach you a little about the best way to quote coverages and some money-saving tips. But Tennessee drivers must know how big insurance companies price insurance differently and use it to find better rates.
Don’t neglect these discounts on Nissan Sentra insurance in Nashville
Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them.
- One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies allow you one accident before they charge you more for coverage as long as you don’t have any claims before the accident.
- 55 and Retired – Drivers over the age of 55 may be able to get better car insurance rates.
- Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
- Student in College – Any of your kids who live away from home to go to college without a vehicle on campus can receive lower rates.
- Drivers Ed for Students – Have your child participate in a local driver’s education class if it’s offered in school.
- Active Military Service – Being on active deployment in the military may qualify for rate reductions.
- Discount for New Cars – Buying a new car instead of a used Sentra can be considerably cheaper since new model year vehicles are generally safer.
- Multi-line Discount – Some insurance carriers give lower premium rates if you buy some life insurance too.
A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.
The diagram below shows the difference between Nissan Sentra insurance costs with and without discounts. The rate quotes are based on a female driver, no claims or driving violations, Tennessee state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, multi-policy, and safe-driver discounts applied.
A few of the larger companies and the discounts they provide are included below.
- Esurance has savings for Switch & Save, anti-lock brakes, anti-theft, safety device, good student, and emergency road assistance.
- The Hartford includes discounts for air bag, driver training, anti-theft, good student, defensive driver, vehicle fuel type, and bundle.
- AAA offers discounts for education and occupation, AAA membership discount, good student, good driver, multi-car, multi-policy, and anti-theft.
- GEICO offers premium reductions for membership and employees, defensive driver, federal employee, five-year accident-free, air bags, and military active duty.
- State Farm may include discounts for Drive Safe & Save, defensive driving training, good student, safe vehicle, anti-theft, accident-free, and passive restraint.
When getting free Nashville car insurance quotes, it’s a good idea to each company or agent which credits you are entitled to. Some of the discounts discussed earlier might not be offered in Nashville. For a list of providers that offer many of these discounts in Nashville, click here.
The method we recommend to compare car insurance rates for Nissan Sentra insurance in Nashville takes advantage of the fact all the major auto insurance companies have advanced systems to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details such as whether you have decent credit, how much you drive, whether your vehicle is owned or leased, and how old drivers are. The rating information is submitted instantly to all major companies and they return rate quotes with very little delay.
To start a quote now, click here and find out if lower rates are available in Nashville.
The following companies are our best choices to provide quotes in Tennessee. To locate the cheapest car insurance in Nashville, we recommend you click on several of them in order to get a fair rate comparison.
Rates and detailed analysis
The rate information shown next covers estimates of rate quotes for Nissan Sentra models. Learning a little about how insurance rates are established can assist in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $152 | $320 | $278 | $16 | $82 | $848 | $71 |
| Sentra 2.0 S | $152 | $376 | $278 | $16 | $82 | $904 | $75 |
| Sentra 2.0 SR | $152 | $376 | $278 | $16 | $82 | $904 | $75 |
| Sentra 2.0 SL | $174 | $376 | $278 | $16 | $82 | $926 | $77 |
| Sentra SE-R | $174 | $376 | $278 | $16 | $82 | $926 | $77 |
| Sentra SE-R SPEC V | $174 | $434 | $278 | $16 | $82 | $984 | $82 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific garaging location which can change premium rates noticeably.
Rate comparison of males versus females in Nashville
The information below illustrates the comparison of Nissan Sentra insurance prices for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no other discounts are factored in.
Does it make sense to buy full coverage?
The chart below shows the comparison of Nissan Sentra premium costs with full coverage compared to only the Tennessee minimum liability coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
When to eliminate full coverage
There is no exact formula that is best for determining when to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let’s say your Nissan Sentra replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.
Buying from auto insurance agents
Many drivers would prefer to visit with an insurance agent and that is OK! The best thing about comparing rate quotes online is the fact that you can find better rates and still have an agent to talk to. And providing support for neighborhood insurance agencies is important especially in Nashville.
After completing this quick form, your insurance coverage information is submitted to agents in your area that can give you free Nashville car insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house due to the fact that quote results will go to the email address you provide. You’ll get the best rates without having to waste a lot of time. If you want to get a price quote from a particular provider, you can always find their quoting web page and fill out the quote form the provide.
If you are wanting to find a local insurance agency, it helps to know the two different agency structures and how they are distinctly different. Insurance agents in Nashville can be classified as either independent agents or exclusive agents.
Independent Insurance Agencies or Brokers
Independent agencies are not restricted to one company and that gives them the ability to insure with multiple insurance companies and get the cheapest rates. If prices rise, your agent can switch companies and the insured can keep the same agent. When comparing rate quotes, you will definitely want to get rate quotes from a couple of independent agencies so that you can do a thorough price comparison. Most also have access to smaller companies which can save you money.
Featured below is a short list of independent insurance agencies in Nashville that may be able to give pricing information.
- HQ Insurance, Inc.
2451 Atrium Way – Nashville, TN 37214 – (615) 884-3535 – View Map - Manning Agency
104 Woodmont Blvd – Nashville, TN 37205 – (615) 383-6700 – View Map - Spann Agency
710 Thompson Ln – Nashville, TN 37204 – (615) 383-8000 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare other company’s rates so you might not find the best rates. Exclusive agents receive a lot of sales training in insurance sales which can be an advantage. Drivers often buy from exclusive agents mainly due to the brand legacy and the convenience of having all coverages with one company.
Below are exclusive insurance agents in Nashville who can help you get comparison quotes.
- Holly Williams – State Farm Insurance Agent
8010 TN-100 – Nashville, TN 37221 – (615) 662-1551 – View Map - Phil Hardeman – State Farm Insurance Agent
3708 Nolensville Rd c – Nashville, TN 37211 – (615) 832-0630 – View Map - Allstate Insurance: Royce Williams
5517 Charlotte Pike – Nashville, TN 37209 – (615) 356-4800 – View Map
Selecting an insurance agent is decision based upon more than just the premium amount. Any agent in Nashville should be forthright in answering these questions:
- Is the agent CPCU or CIC certified?
- How are they compensated?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they offer claims assistance after hours?
- Which insurance company do they prefer to write with?
- Do they have any clout with companies to ensure a fair claim settlement?
- How experienced are they in personal risk management?
Best auto insurance company in Nashville
Picking a highly-rated car insurance company is hard considering how many companies sell coverage in Nashville. The company rank data shown next can help you pick which insurers to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
What is YOUR best insurance company?
Throughout this article, we presented a lot of ways to reduce Nissan Sentra insurance prices online in Nashville. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices are with a small mutual company.
When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. In many cases, someone dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy enough coverage at the best possible price, but do not skimp to save money.
People leave their current company for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, poor customer service and delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company is actually quite simple.
Steps to buying discount Nissan Sentra insurance in Nashville
If your goal is the lowest price, then the best way to find low-cost Nissan Sentra insurance in Nashville is to annually compare prices from insurers who provide car insurance in Tennessee. Prices can be compared by following these steps.
First, take a few minutes and learn about policy coverages and the steps you can take to prevent high rates. Many policy risk factors that increase rates like traffic tickets, fender benders, and an unfavorable credit rating can be remedied by being financially responsible and driving safely.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO or Allstate, while independent agents can give you price quotes for a wide range of companies.
Third, compare the new rate quotes to the premium of your current policy and determine if cheaper Sentra coverage is available. If you can save money and buy the policy, make sure coverage does not lapse between policies.
One tip to remember is that you use identical limits and deductibles on every quote request and and to get prices from every company you can. Doing this enables a level playing field and plenty of rates choose from.
For more information, feel free to browse these articles:
- Teen Driving Statistics (GEICO)
- Who Has the Cheapest Nashville Auto Insurance Quotes for College Graduates? (FAQ)
- Who Has Affordable Nashville Car Insurance Rates for a Chevrolet Equinox? (FAQ)
- Who Has the Cheapest Auto Insurance for a Learners Permit in Nashville? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Homeowners in Nashville? (FAQ)
- Who Has Cheap Nashville Car Insurance for Low Income Drivers? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Shopping for a Safe Car (Insurance Information Institute)