Best Cheap Insurance Quotes for a Nissan Sentra in Alaska

The odds of finding the cheapest coverage for a Nissan Sentra in Alaska relies on many factors such as annual vehicle mileage, if you are currently insured, and your choice of deductibles. Drivers in Alaska will pay on average $660 every 12 months to insure a Sentra, but that amount is a ballpark figure based on rates for a 50-year-old married male who purchased full physical damage coverage and $500 policy deductibles.

It’s more than likely you are not exactly 50 years old and possibly not even male, maybe you are single instead of married, or you have a violation or two on your driving record. This demonstrates why the only real way to find cheap insurance rates for your Nissan is to just take the time to compare rates yourself.

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The specific model of Sentra has an effect on the coverage cost, so the price you will be charged to insure a Sentra 2 trim level will be $106 less than the insurance cost for the higher-priced Sentra SE-R SPEC V version, as shown in the prices below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can revise prices significantly.

Figuring out which insurers offer the most affordable car insurance rates for a Nissan Sentra will involve a little more work than just picking a company at random. Each auto insurance company has their own formula to set their prices, so we will examine the most affordable car insurance companies in Alaska.

It’s important that readers know that Alaska car insurance rates are determined by lots of factors which can substantially decrease or increase the policy price. Simply improving your credit, getting divorced, or getting into an accident may prompt premium changes that can make some companies affordable when they were higher priced.

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Umialik generally has some of the lowest car insurance rates in Alaska at around $892 each year. USAA, State Farm, Progressive, and GEICO also make the cut as some of the cheaper Alaska auto insurance companies.

As depicted above, if you buy coverage from USAA and switched to Umialik, you may see an annual premium reduction of in the neighborhood of $37. Drivers with State Farm could save as much as $83 a year, and Progressive insureds might lower prices by up to $368 a year.

To find out how your current rates compare, click here or visit several of the following companies.

These policy rates are averaged across all drivers and vehicles and do not factor in a specific rating modification for a Nissan Sentra. So the company that has the cheapest rates for you may not even be featured in the rate chart shown above. That’s why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The diagram below demonstrates how deductibles can influence insurance prices when getting quotes for cheap insurance for a Nissan Sentra. The premiums assume a single female driver, comp and collision included, and no other discounts are factored in.

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As shown above, a 40-year-old driver could cut expenses by $284 a year by changing from a $100 deductible to a $500 deductible, or save $424 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save up to $732 each year by using a higher deductible. When raising deductibles, it will be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Get discounts on Alaska car insurance rates

Car insurance companies that offer the best cheap insurance for a Nissan Sentra in Alaska may have premium discounts that may potentially lower prices by 30% or more if you meet specific criteria. Larger car insurance companies and the discounts they provide include:

• GEICO may offer discounts for good student, seat belt use, emergency military deployment, defensive driver, five-year accident-free, federal employee, and multi-vehicle.
• USAA policyholders can earn discounts including loyalty savings, safe driver, family discount, good student, and military installation.
• Progressive offers premium reductions for online signing, multi-vehicle, continuous coverage, multi-policy, good student, and online quote discount.
• American Family offers discounts including air bags, accident-free, good driver, good student, multi-vehicle, and early bird.
• Esurance includes discounts for defensive driver, claim free, homeowner, DriveSense, Pac-12 alumni, and online quote.
• Farmers Insurance may have discounts that include bundle discounts, teen driver, business and professional, electronic funds transfer, and distant student.
• State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, anti-theft, passive restraint, multiple autos, and defensive driving training.

The chart below illustrates the comparison of annual premium costs with and without some available policy discounts. The data is based on a female driver, no claims, a clean driving record, Alaska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, anti-theft, claim-free, defensive driving course, multiple policy, and accident-free discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for a Nissan Sentra is 28% or $375.

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State Farm, Geico, Progressive, or Allstate: Who is cheapest?

When it comes to insurance for a Sentra, the companies that insure more vehicles than anyone else are State Farm, Geico, Progressive, and Allstate. The next table compares some of the ratings and options that may be available in Alaska.