How Much Does Insurance Cost for a Nissan Sentra in Idaho?

The odds of finding the cheapest car insurance for a Nissan Sentra in Idaho relies on dozens of factors like how you use your Sentra, your profession, and citations or violations on your driving record. Idaho drivers pay approximately $590 a year to insure their Sentra, but that rate is an estimate that rates a 50-year-old single male driver that included full comprehensive and collision coverage and $1,000 physical damage deductibles.

There’s a high likelihood you are not 50 and possibly not even male, possibly married instead of single, or possibly you just want cheap liability coverage. Auto insurance rates are unique for each driver, so the best way to find cheap car insurance rates for your Nissan is to compare rates from as many companies as possible.

Click to Compare Rates Now

Vehicle trim level impacts the cost of insurance, so the rate you will pay to insure a Sentra 2 will be $82 cheaper than the insurance cost for the fancier Sentra SE-R SPEC V version, as shown by the rates below.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Idaho minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific Idaho garaging location which can raise or lower coverage rates considerably.

Finding good, cost effective insurance is easier said than done, and determining which company has the cheapest auto insurance rates for a Nissan Sentra involves even more shopping around.

Every auto insurer has their own process to determine premium rates, so let’s rank the auto insurance companies with the overall best prices in Idaho.

Cheap Insurance Rates for Your Sentra

Compare Rates and Save

American National normally has some of the best car insurance rates in Idaho at around $237 annually. Farm Bureau of ID Group, USAA, Oregon Mutual, and American Family also qualify as some of the best Idaho insurance companies.

As depicted above, if you are insured with Farm Bureau of ID Group and switched to American National, you could see annual savings of upwards of $307. Idaho drivers with USAA could save as much as $315 a year, and Oregon Mutual insureds might cut rates by $415 a year.

Understand that those rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Nissan Sentra. So the auto insurance company that has the lowest price for you may not even be in the rate chart shown above. That underscores the importance of why you need to get rate quotes using your own individual information.

The example below shows how choosing a deductible can affect insurance costs when quoting cheap insurance for a Nissan Sentra. The data assumes a single female driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2211,2035,1841,1659],[‘Age 30’, 1521,1393,1249,1111],[‘Age 40’, 1415,1299,1169,1045],[‘Age 50’, 1237,1135,1019,911],[‘Age 60’, 1199,1101,991,885],[‘Age 70’, 1401,1289,1165,1049]]);var options = {title: ‘Effect of Deductibles on Nissan Sentra Insurance Rates in Idaho’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 50-year-old driver could lower their policy premium by $218 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $326 by using a $1,000 deductible. Younger drivers, like the Age 20 category, have the ability to save $552 each year by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Why you should compare rates

Idaho auto insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Simply turning a year older, buying a different vehicle, or getting a reckless driving citation can cause premium changes that can now make some companies more affordable than before. Not only may your risk profile change, but insurance companies amend pricing at least once a year in order to be able to pay unexpected claims. An extended period of higher than normal claims may cause additional premium costs, while long-term profits may result in more affordable Sentra insurance rates.

As an example, the chart below shows the cheapest car insurance in Idaho for a 45-year-old male driver with a good driving record, no prior claims, and excellent credit. When comparing rates based on his personal profile, American National may have the most affordable car insurance rates in Idaho at $247 annually. This is $778 less than the average rate paid by Idaho drivers of $1,025. USAA, Farm Bureau of ID Group, Oregon Mutual, and American Family are the remaining best Idaho auto insurance companies.

google.charts.setOnLoadCallback(drawIDWitcqcibChart);function drawIDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘American National’, 247, ‘#659500’],[‘USAA’, 546, ‘#547C00’],[‘Farm Bureau of ID Group’, 550, ‘#466700’],[‘Oregon Mutual’, 658, ‘#3A5500’],[‘American Family’, 699, ‘#304600’]]);var options = {title: ‘Cheapest Insurance for a Nissan Sentra’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:799,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In the next rate comparison, we’ll give the driver from the first rate comparison a claim, a lower credit rating, and a speeding ticket. Since every car insurance company uses their own calculation for filing rates in each state, comparing quotes could now result in a different set of the cheapest Idaho car insurance companies as shown below.

google.charts.setOnLoadCallback(drawIDWcqcibChart);function drawIDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 799.7, ‘#C77F00’],[‘Auto-Owners’, 816.2, ‘#A56900’],[‘Farm Bureau of ID Group’, 825, ‘#895700’],[‘USAA’, 873.6, ‘#724800’],[‘American National’, 895.2, ‘#5F3C00’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:995.2,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

The Hartford now has the best price on car insurance in Idaho with Auto-Owners, Farm Bureau of ID Group, USAA, and American National completing the list. This example demonstrates why it is crucial to do a thorough rate comparison when trying to find the lowest car insurance quotes for a Nissan Sentra.

Insurance prices are calculated by many different factors and change dramatically, so the most economical company when you bought your policy may now not even be in the top five.

How to find more affordable auto insurance for a Nissan Sentra

The list below details some of the better penny-pinching suggestions that can help Idaho drivers find cheap coverage.

• Do not waste money insuring older vehicles for full coverage
• Bundle home or renters insurance to earn a discount on car insurance
• Don’t have frequent claims
• Save money by observing traffic laws and speed limits
• Buy vehicles with good safety ratings
• Avoid accidents and claims
• Compare quotes from other companies often

That final tip is extraordinarily valuable, as we pointed out in this write-up. Prices in Idaho can change considerably based on profitability, so don’t be afraid to buy from a different company if you can find a cheaper rate.

Having a favorite company is great, but is isn’t recommended if that devotedness results in you overpaying a wad of cash every year. Spend a few minutes and compare prices and find cheaper auto insurance for a Nissan Sentra.

Who has the cheapest Nissan Sentra insurance quotes?

There are many different ways to find cheaper auto insurance in Idaho, but the most prevalent are either through an exlusive agent like State Farm or Liberty Mutual, an independent agent, or from a direct company like Progressive or Geico.

You can use whichever method you prefer, but they differ in how they provide rate quotes.

Independent insurance agents write business for many companies and can provide price quotes from each one. These agents do not work for one specific company and can compare multiple rates, which may provide you with a better overall rate comparison. If premiums increase, your agent can switch companies which prevents you from having to find a new agency.

A captive, or exclusive, agent is usually just provide rates from a single insurance company like a State Farm or Allstate agent. They are unable to provide rates from more than one company, which requires you to shop around.

The final way is buying direct, which means you forego a local insurance agent and instead shop direct from companies such as Progressive or Geico. Shopping for auto insurance direct is a good choice for families who have an average risk profile and have a decent understanding of what is covered and what is not.

So which way is best to buy cheap insurance for a Nissan Sentra in Idaho? The obvious answer would be buying direct yields the cheapest rates since that prevents the need to pay agent commissions, but that does not always hold true. We could also assume that an independent agent guarantees the best prices due to increased selection, but again, it’s not a sure thing. For the right applicant, exclusive agencies may have prices that cannot be beaten by either independent or direct companies.

Due to the fact that auto insurance rates vary so much, the guaranteed way to not overpay for auto insurance is to compare lots of quotes. If time allows, get rate quotes from all three to give yourself plenty of rates to compare. To see some of the cheapest online companies available, click here to view.