Cheapest Insurance Quotes for a Nissan Sentra in Montana

When writing about shopping for car insurance, the word “cheap” really should not be used anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap car insurance for a Nissan Sentra is almost non-existent. But fear not, because we are going to tell you how you can quote auto insurance that doesn’t cost an arm and a leg.

The chances of finding the cheapest insurance for a Nissan Sentra in Montana relies on a complex calculation that is influenced by things like the amount of driving experience you have, the performance level of your vehicle, and your motor vehicle report. Drivers in Montana on average will pay $2,470 each year for Sentra insurance, but that rate is an estimation using rate data for a 30-year-old single female that wants full coverage including both comprehensive and collision and $100 policy deductibles.

It’s highly likely you are not 30 years old and maybe not even female, maybe you are married instead of single, and you possibly have other drivers on your policy that need factored in. This illustrates why the way we recommend to find cheap auto insurance rates for your Nissan is to put in the effort to do a thorough rate comparison.

Insure Your Nissan for Less

Your Nissan’s trim level will influence the yearly cost, so the price to insure a Sentra 2 will be $466 less than the price to insure the more expensive Sentra SE-R SPEC V trim level, as shown in the chart below.

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle garaging location which can decrease or increase price quotes substantially.

Buying reasonably-priced auto insurance is not always easy, and determining which insurers offer the most affordable car insurance rates for a Nissan Sentra will involve a little more work. Each auto insurer uses slightly different criteria for determining prices, so we need to take a look at the most budget-friendly car insurance companies in Montana.

Find Cheaper Auto Insurance for Your Sentra

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Safeco may offer some of the most affordable car insurance rates in Montana at around $853 annually. Progressive, USAA, State Farm, and MetLife would also make the list of some of the best Montana insurance companies.

As shown in the table above, if you are a customer of State Farm and switched to Progressive, you could realize a yearly price reduction of about $118. Insureds with MetLife may save as much as $235 a year, and National Farmers Union customers might realize rate reductions of up to $253 a year.

It’s important to note that these prices are averages across all ages of drivers and types of vehicles and do not factor in a specific rate value for a Nissan Sentra. So the auto insurance company that is most affordable for your situation may not even be shown in the above rate chart. That underscores the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.

Discounts on the cheapest insurance for a Nissan Sentra in Montana

Auto insurance companies that offer cheap quotes for a Nissan Sentra could also offer rate discounts that may potentially lower prices by 30% or more if you meet eligibility requirements. Larger car insurance companies and some of their more popular discounts are detailed below.

• State Farm has savings for driver’s education, student away at school, Steer Clear safe driver discount, multiple autos, good driver, anti-theft, and accident-free.
• Liberty Mutual policyholders can earn discounts including new graduate, multi-policy, new vehicle discount, preferred payment discount, good student, and multi-car.
• American Family offers discounts for good driver, bundled insurance, defensive driver, early bird, and air bags.
• Progressive may offer discounts for online quote discount, online signing, multi-vehicle, good student, multi-policy, and continuous coverage.
• Farmers Insurance has discounts for alternative fuel, pay in full, bundle discounts, good student, and mature driver.
• Auto-Owners Insurance includes discounts for teen driver, multiple vehicles, paid in full, multi-policy, good student, group or association, and student away at school.
• SAFECO offers discounts including anti-lock brakes, safe driver, homeowner, teen safe driver, accident prevention training, multi-car, and drive less.

The chart below shows the difference between premium costs with and without discounts applied to the policy premium. The data is based on a female driver, no claims or violations, Montana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, multiple policy, multiple vehicle, passive restraint, anti-theft, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for a Nissan Sentra is 28% or $999.

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Cost difference between full coverage and liability

Finding the cheapest insurance for a Nissan Sentra in Montana is the goal of the majority of vehicle owners, and a good way to pay less for insurance is to buy only liability coverage. The illustration below illustrates the difference between insurance prices with liability coverage only compared to full coverage. Data assumes no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.

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Averaged out for all age groups, physical damage insurance costs an extra $3,839 per year over liability only. At some point, about every driver wonders if paying for full coverage is worth it. There is no specific rule to stop paying for physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Best rates: Allstate, Progressive, Geico, or State Farm

When it comes to buying insurance for a Sentra in Montana, four of the best places to start are Allstate, Progressive, Geico, and State Farm. Between them, they insure about half of the car insurance market in the United States. The next table ranks some of the different options offered by each company.