Cheap Insurance for a Nissan Sentra in South Dakota

Your chances of finding cheap insurance for a Nissan Sentra in South Dakota hinges on many rating criteria like the number of years of driving experience you have, where your vehicle is garaged, and if your driving record shows any at-fault accidents. Drivers in South Dakota pay an average of $820 every 12 months to insure their Sentra, but that rate is a valuation based upon a 30-year-old single male that included comprehensive and collision coverage and $1,000 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not a 30-year-old male, possibly married instead of single, or maybe your Sentra doesn’t need comprehensive and collision coverage. This demonstrates why the best method for finding the cheapest coverage for your Nissan is to shop around at every renewal for lower rates. To cut your rates now, get a free quote and you will receive price comparisons from some of the most affordable companies in South Dakota.

Find Cheaper Nissan Sentra Insurance

Vehicle trim level will have an impact the cost of insurance, so the price you will be charged to insure a Sentra 2 trim level will be $106 cheaper than the cost to insure the high end Sentra SE-R SPEC V model, as shown in the table below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in South Dakota location which can increase or decrease coverage prices significantly.

Finding reasonably-priced auto insurance is challenging, and deciding which company has the lowest-priced car insurance rates for a Nissan Sentra will involve a bit more work.

Each company uses a little different formula for setting prices, so first we will examine the most affordable car insurance companies in South Dakota. Keep in mind that South Dakota car insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. This price variability is why it is crucial to perform an extensive rate comparison when trying to get the most affordable insurance rates for a Nissan Sentra. Rates can be determined by many factors and can increase or decrease at any time, so the most affordable company three years ago may now be wasting a lot of money.

Find the Cheapest Car Insurance for Your Sentra

Click to Compare Rates Now

USAA offers some of the most affordable car insurance rates in South Dakota at around $650 per year. Auto-Owners, Farmers Mutual of Nebraska, State Farm, and Unitrin would also make the list of some of the more affordable South Dakota auto insurance companies.

As the example above demonstrates, if you are currently insured with State Farm and switched to USAA, you could see savings of around $347. Insureds with Unitrin might save as much as $415 a year, and Western National policyholders might realize rate reductions of up to $418 a year.

To find cheap insurance for a Nissan Sentra in South Dakota for your vehicle, click here to start a quote or click through to the companies below.

Understand that those rates are averages across all ages of drivers and types of vehicles and and are not figured with a specific rating modification for a Nissan Sentra. So the insurer that can offer you the lowest price may not even be shown in the list of companies above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Reckless driving habits raise car insurance rates

The ideal way to enjoy affordable car insurance rates in South Dakota for a Sentra is to be an attentive driver and maintain a clean driving record. The illustration below demonstrates how traffic citations and at-fault accidents can drive up annual premium costs for different age groups. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2753,3393,5707],[‘Age 30’, 1897,2537,4849],[‘Age 40’, 1761,2405,4715],[‘Age 50’, 1541,2181,4495],[‘Age 60’, 1487,2131,4447],[‘Age 70’, 1741,2383,4695]]);var options = {title: ‘Effect of Citations and Accidents on South Dakota Nissan Sentra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in South Dakota’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of auto insurance in South Dakota per year with no accidents or violations is $1,863. Factor in two speeding tickets and the average cost surges to $2,505, an increase of $642 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Nissan Sentra increases to an average of $4,818. That’s an increase of $2,955, or $246 per month, just for not paying attention while driving!

The chart below highlights how deductible choice can impact yearly insurance costs when quoting cheap insurance for a Nissan Sentra. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3739,3385,3005,2647],[‘Age 30’, 1897,1737,1553,1373],[‘Age 40’, 1903,1731,1535,1349],[‘Age 50’, 1727,1571,1397,1233],[‘Age 60’, 1671,1523,1357,1197],[‘Age 70’, 2025,1853,1665,1487]]);var options = {title: ‘Impact of Deductibles on Nissan Sentra Insurance Rates in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 50-year-old driver could lower their policy premium by $330 a year by changing from a $100 deductible up to a $500 deductible, or save $494 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could possibly save up to $1,092 annually by using a higher deductible.

If you make the decision to raise deductibles, it is necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Find cheap insurance for a Nissan Sentra in South Dakota

It’s not impossible to find cheaper rates, and here are many thrifty solutions that can help South Dakota drivers buy cheap auto insurance.

• Buying home and auto together can help save money
• Try to not file small claims
• Just one traffic violation will increase your rates
• Buy a vehicle with excellent safety ratings
• Being accident-free can lower rates significantly
• Comparison shop at least every other year

That last idea is highly valuable, as we pointed out in the prior article. Prices charged by car insurance companies fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if a better rate can be found.

Brand loyalty is great, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars a year. It only take a few minutes to shop around and find cheaper car insurance for a Nissan Sentra.

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

When it comes to insurance for a Sentra, four companies to take a look at are State Farm, Geico, Progressive, and Allstate. Combined they have about half of all car insurance policies written. The data below ranks some of the different options that are available for buyers.

Cheapest Nissan Sentra insurance quotes

You have a lot of ways to find cheaper car insurance in South Dakota, but the most popular ways are from an exclusive insurance agent like State Farm or Liberty Mutual, an independent insurance agent, or buying direct from a company like Geico or Progressive.

Each way has the same basic process, but they differ slightly in how they work.

Independent agents have contracts with multiple insurance companies and can get policy pricing from every one. Agents of this type have the option to give you a larger rate selection, which can give you more bang for your buck. If your agent finds a cheaper company, you can get a different policy which makes it easier to save money.

An agent who is captive is restricted to quoting rates for one insurance company, two examples are Liberty Mutual and Allstate agents. These guys and gals cannot provide prices from multiple companies, so keep that in mind.

When you buy car insurance direct, you forego local insurance agents and instead shop buying direct from a company like Progressive or Geico. Shopping for car insurance direct may be good for consumers who do not need high amounts of coverage and know what car insurance covers and what it doesn’t.

Out of those three methods, which one works best for finding cheap insurance for a Nissan Sentra in South Dakota? The majority of people assume that buying direct yields the cheapest rates since it doesn’t require paying agent commissions, but that generally is not the case. We could also say that buying car insurance from an independent agent saves the most money because they can shop around, but again, that’s not accurate. In many cases, exclusive agents may have prices that are well below what direct and independents offer.

Because there are so many factors that make up car insurance rates, the only true way to find out which one is cheapest is to do a thorough rate comparison. Industry experts recommend getting rate quotes from independent agents, exclusive agents, and direct companies in order to be able to find the lowest price. For a list of companies with some of the cheapest South Dakota car insurance rates, click here to view.