What Insurance is Cheapest for a Nissan Sentra in Omaha?

Finding the cheapest insurance for a Nissan Sentra can be pretty simple, but it is dependent upon a lot of factors such as whether you own a home, whether you are claim-free, and driving violations and tickets. Drivers in Nebraska pay around $708 a year for Sentra insurance, but that figure is a valuation using a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.

But there is a good chance that you may not be 40 years old (or even female), possibly single instead of married, or maybe you have a teenager that needs to be on your policy. Even a minor change in rating criteria may result in significant differences in rates.

This illustrates why the only real way to find cheap insurance rates for your Nissan is to do the rate comparisons yourself.

View Nissan Sentra Insurance Rates

The specific model of Sentra impacts price, so the price you pay to insure a Sentra 2 model will cost $102 less than the price to insure the more well-appointed Sentra SE-R SPEC V model, as shown in the prices below.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in Omaha location which can impact rates significantly.

Best auto insurance company in Nebraska

Picking the right company can be a challenge considering how many companies sell coverage in Omaha. The company rank data shown below can help you pick which coverage providers you want to consider when comparing rate quotes.

These ratings are for the largest companies in America, so smaller companies that only insure vehicles in Nebraska will not be included in these rankings. To get price quotes from these top insurers and more, click this link.

Top 10 Large Car Insurance Companies in Omaha Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Large Car Insurance Companies in Omaha Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Difference between full coverage and liability only rates

Lowering the price of auto insurance is the goal of the majority of vehicle owners, and one of the easiest ways to buy cheaper insurance for a Nissan Sentra is to only buy liability coverage. The illustration below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied.

If we average all the age groups together, comp and collision coverage costs $2,155 per year more than insuring for liability only. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no specific rule to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s claim settlement value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $9,500 after you pay the deductible. If it’s costing in excess of $950 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are some circumstances where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Who has the cheapest Sentra insurance?

Omaha auto insurance rates are based on many factors that may substantially change the cost of your policy. Improving your credit rating, filing a claim, or getting a couple of tickets can produce rate changes that can make some companies much cheaper than others. Also, auto insurance companies file new Nebraska auto insurance rates as often as every three months to reflect underwriting profits or losses. Higher than normal claim frequency or severity may cause rate hikes, while less frequent claims can result in cheaper Sentra insurance rates.

As an example, the chart below shows the companies that have the cheapest car insurance in Omaha, NE for a 40-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his current risk profile, Safeco might quote the cheapest car insurance rates in Omaha at $870 a year. This is $446 less than the average rate paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual round out the rest of the most affordable Omaha, NE auto insurance companies.

In the next rate comparison, we’ll give the driver from above a chargeable accident, a little lower credit rating, and a couple of points charged on his driving record. Since each company has their own process to set policy rates, comparing quotes will most likely result in a significantly different list of the cheapest car insurance companies in Omaha as shown below.

Nationwide now has the best car insurance rate in Omaha with State Farm, General Casualty, American National, and USAA also having competitive pricing. This illustrates why consumers need to take the time to compare lots of rates to get the most economical car insurance rates for a Nissan Sentra. Car insurance prices are made up of many factors and change frequently, so the most economical company two years ago may now be priced much higher than other options.