Car Insurance Rates for a Nissan Sentra in Oklahoma City

It’s an obvious conclusion that auto insurance companies want to keep you from comparing rates. Drivers who shop around for the cheapest price are likely to switch to a new company because of the high probability of finding discount prices. A study discovered that people who compared prices once a year saved an average of $3,400 over four years as compared to drivers who never shopped around for lower prices.

If finding low prices for Nissan Sentra insurance in Oklahoma City is your goal, learning how to choose a company and compare insurance premiums can save time, money, and frustration.

Truthfully, the best way to find the cheapest price for Nissan Sentra insurance is to start comparing prices yearly from providers who sell auto insurance in Oklahoma City.

• Step 1: Try to understand how companies price auto insurance and the things you can change to keep rates low. Many factors that increase rates like your driving record and an unacceptable credit history can be controlled by being financially responsible and driving safely.
• Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can give you price quotes for many different companies.
• Step 3: Compare the quotes to your existing rates and see if you can save money. If you can save money, make sure coverage is continuous and does not lapse.
• Step 4: Give notification to your current company of your decision to cancel your existing policy. Submit a down payment along with a signed application to your new agent or company. As soon as you receive it, put the new certificate of insurance in your vehicle.

An essential thing to point out is to use similar coverage information on every quote request and and to get rate quotes from as many companies as possible. This provides the most accurate price comparison and maximum price selection.

The are a couple different ways to get quotes from companies that offer car insurance in Oklahoma. The easiest way to find cheaper rates consists of shopping online.

When price shopping your coverage, quoting more provides better odds of finding more affordable rates.

The companies shown below are our best choices to provide comparison quotes in Oklahoma. If more than one company is shown, we recommend you compare several of them to find the most competitive auto insurance rates.

Auto insurance statistics and figures

The coverage information shown next highlights detailed analysis of prices for Nissan Sentra models. Having a good understanding how rates are determined can assist in making smart choices when selecting a coverage provider.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in your specific Oklahoma City location which can revise auto insurance rates greatly.

Comparison of policy deductibles

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The data tables below determine the rate fluctuation of buying low and high policy deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price information does not factor in garaging location in Oklahoma City which can revise auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $33 more each month or $396 each year across all Nissan Sentra models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 23 months between claims, you would most likely save money by selecting a higher deductible.

The illustration below demonstrates how deductibles and can raise or lower Nissan Sentra insurance costs for different age categories. The premiums are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

Violations and accidents raise rates

The illustration below shows how traffic citations and at-fault accidents can increase Nissan Sentra premium costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Difference between full coverage and liability only rates

The diagram below compares Nissan Sentra premium costs when comparing full coverage to state minimum liability only. The premium estimates are based on no violations or accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no specific rule to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Nissan Sentra claim settlement 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 the deductible is paid. If it’s costing in excess of $600 a year to have full coverage, then you might want to think about dropping full coverage.

There are some circumstances where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Compare prices but work with a neighborhood Oklahoma City auto insurance agent

Many people just want to get advice from a local agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is the fact that drivers can get lower rates and still buy from a local agent.

After completing this quick form, the coverage information gets sent to local insurance agents in Oklahoma City who can give free rate quotes for your insurance coverage. There is no need to leave your computer since rate quotes are delivered to the email address you provide. You can most likely find cheaper rates and an insurance agent to talk to. If you need to get a price quote from one company in particular, don’t hesitate to jump over to their website and submit a quote form there.

Picking the best provider should depend on more than just the quoted price. These are some questions you should get answers to.

• If you are a high risk driver, do they have special markets for your coverage?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Which companies can they place coverage with?
• Will one accident increase rates?
• Does the agent have professional designations like CIC, CPCU or AIC?

If you are wanting to purchase insurance from a local Oklahoma City insurance agent, it’s important to understand the types of agencies and how they are slightly different. Insurance agencies are classified as either independent or exclusive depending on the company they work for.

Exclusive Agents

Exclusive agencies write business for a single company and some examples include State Farm, Allstate, or Farmers Insurance. They usually cannot provide other company’s prices so it’s a take it or leave it situation. These agents receive a lot of sales training on their products and sales techniques and that can be a competitive advantage. Consumers frequently buy from exclusive agents partially due to the prominence of the brand and the convenience of having all coverages with one company.

Below is a list of exclusive insurance agents in Oklahoma City willing to provide comparison quotes.

• Kevin Murphy – State Farm Insurance Agent
  1707 S Morgan Rd – Oklahoma City, OK 73128 – (405) 265-2500 – View Map
• Tony Brummitt – State Farm Insurance Agent
  9509 N Council Rd – Oklahoma City, OK 73162 – (405) 721-1423 – View Map
• GEICO Insurance Agent
  6218 Northwest Expy – Oklahoma City, OK 73132 – (405) 384-1518 – View Map

View more Oklahoma City agents

Independent Insurance Agents

Agents that elect to be independent do not sell for just one brand so as a result can place your coverage with any number of different companies enabling the ability to shop coverage around. If they find a lower price, your agent can switch companies which is easy for the insured.

If you are comparing rate quotes, it’s a good idea to check rates from a few independent agents so that you have a good selection of quotes to compare. Most also have access to lesser-known insurance companies which may have better rates.

Shown below is a list of independent insurance agencies in Oklahoma City who can help you get rate quotes.

• Perimeter Insurance
  4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880 – View Map
• One General Agency
  817 NE 63rd St – Oklahoma City, OK 73105 – (405) 840-9393 – View Map
• Centennial Insurance Group, Inc.
  2814 W Britton Rd – Oklahoma City, OK 73120 – (405) 286-4179 – View Map

View more Oklahoma City agents