Nissan Sentra Insurance Rates in Kansas City

It’s a fact that insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around for better prices will, in all likelihood, move their business because they have a good chance of finding lower prices. A survey found that drivers who made a habit of comparing rates saved approximately $865 annually as compared to drivers who don’t regularly compare prices.

If finding low prices for Nissan Sentra insurance in Kansas City is the reason for your visit, then learning about how to shop for car insurance can make it simple to find affordable coverage.

Insurance rates Nissan Sentra in Kansas CityThe preferred way to get more affordable auto insurance rates in Kansas City is to begin comparing prices regularly from companies who sell insurance in Missouri. Drivers can shop around by completing these steps.

One tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each price quote and and to get price quotes from as many carriers as you can. This provides an apples-to-apples comparison and and a good selection of different prices.

When quoting insurance, remember that comparing more prices gives you a better chance of getting the best offered rates.

The companies shown below are our best choices to provide price comparisons in Kansas City, MO. To locate the best cheap auto insurance in Kansas City, it’s highly recommended you visit as many as you can in order to find the most affordable rates.

Auto insurance just makes sense

Despite the fact that auto insurance is not cheap in Kansas City, insurance is required in Missouri but it also protects you in many ways.

The benefits of insuring your Sentra definitely exceed the price paid, particularly when you have a large claim. According to a 2015 survey, the average American driver is currently overpaying as much as $810 a year so smart consumers compare quotes each time the policy renews to ensure rates are competitive.

Insurance coverage analysis

The premium table displayed below covers different policy rates for Nissan Sentra models. Being more informed about how premiums are formulated is important for making informed purchases.

Nissan Sentra Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $112 $232 $250 $14 $74 $682 $57
Sentra 2.0 S $112 $274 $250 $14 $74 $724 $60
Sentra 2.0 SR $112 $274 $250 $14 $74 $724 $60
Sentra 2.0 SL $128 $274 $250 $14 $74 $740 $62
Sentra SE-R $128 $274 $250 $14 $74 $740 $62
Sentra SE-R SPEC V $128 $314 $250 $14 $74 $780 $65
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in garaging location in Kansas City which can change coverage rates noticeably.

Auto insurance deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The rates shown below can help illustrate the rate fluctuation when you choose different policy deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Nissan Sentra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $180 $346 $266 $16 $80 $913 $76
Sentra 2.0 S $180 $408 $266 $16 $80 $975 $81
Sentra 2.0 SR $180 $408 $266 $16 $80 $975 $81
Sentra 2.0 SL $206 $408 $266 $16 $80 $1,001 $83
Sentra SE-R $206 $408 $266 $16 $80 $1,001 $83
Sentra SE-R SPEC V $206 $470 $266 $16 $80 $1,063 $89
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Nissan Sentra insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $110 $218 $266 $16 $80 $690 $58
Sentra 2.0 S $110 $258 $266 $16 $80 $730 $61
Sentra 2.0 SR $110 $258 $266 $16 $80 $730 $61
Sentra 2.0 SL $128 $258 $266 $16 $80 $748 $62
Sentra SE-R $128 $258 $266 $16 $80 $748 $62
Sentra SE-R SPEC V $128 $296 $266 $16 $80 $786 $66
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in specific garaging location which can change premiums noticeably.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $20 more each month or $240 a year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 38 months between claims, you would save more money if you opt for a higher deductible. The table below shows an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $82
Average monthly premium for $1,000 deductibles (subtract): – $62
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One important note is that a higher deductible level means you will have to pay more when you do file a claim. You will want to have some available funds in order to pay more to get your vehicle repaired.

The example below shows how choosing a deductible and can impact Nissan Sentra annual premium costs for different age groups of insureds. Data assumes a married male driver, comp and collision included, and no other discounts are factored in.

Annual premiums for males compared to females in Kansas City

The diagram below visualizes the comparison of Nissan Sentra insurance premiums for male and female drivers. The data is based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, single marital status, and no discounts are taken into consideration.

Do you qualify for discounts?

Car insurance is not cheap, but there are discounts available that may help make it more affordable. Some discounts will apply when you complete an application, but once in a while a discount must be manually applied prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.Insurance discounts

A quick disclaimer, most discount credits are not given to the whole policy. Most only reduce individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

The example below visualizes the comparison of Nissan Sentra premium costs with and without discounts applied to the policy premium. The rates are based on a male driver, no accidents or driving violations, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, multi-car, marriage, and homeowner discounts applied.

Auto insurance companies that may have most of the discounts above are:

Before you buy a policy, ask every prospective company what discounts are available to you. Some credits may not be offered in Kansas City. If you would like to see a list of insurance companies who offer insurance discounts in Kansas City, click here.

Auto insurance is available from local agents

Many drivers still like to have an agent’s advice and there is nothing wrong with that. One of the benefits of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes and still choose a local agent.

Insurance agency in Kansas CityTo help locate an agent, after submitting this quick form, your information is instantly submitted to agents in your area that give free quotes to get your business. It’s much easier because you don’t need to leave your house as quotes are delivered to you directly. It’s the lowest rates and a licensed agent to work with. If you have a need to compare prices from a particular provider, feel free to jump over to their website and fill out their quote form.

Finding the right insurer is decision based upon more than just a cheap price. The answers to these questions are important, too.

Car insurance can be complex

Always remember that when buying your policy, there isn’t really a best way to insure your cars. Your financial needs are unique.Safe vehicles cost less to insure

These are some specific questions can help discover if your insurance needs might need professional guidance.

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Find cheap rates by comparing often

When searching for affordable Nissan Sentra insurance quotes, do not sacrifice coverage to reduce premiums. In many cases, an insured cut comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented many ways to get a better price on Nissan Sentra insurance in Kansas City. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from some of the lesser-known companies.

Affordable Nissan Sentra insurance in Kansas City is available from both online companies as well as from independent agents in Kansas City, and you should compare rates from both to get a complete price analysis. There are still a few companies who may not have internet price quotes and most of the time these small, regional companies only sell through independent insurance agencies.

Additional detailed information is available at these sites: