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

Your chances of finding cheaper insurance for a Nissan Sentra in Iowa is contingent on things such as if you own your home, the size of your vehicle, and the level of deductible you choose. Drivers pay an average rate of $620 each year to buy Nissan Sentra insurance, but that policy rate is that uses a 50-year-old single male driver that wants comprehensive and collision coverage and $1,000 policy deductibles.

If we were betting, you are not 50 and possibly not even male, married instead of single, or maybe you want more liability coverage than is required by law in Iowa. Just a slight change in rating criteria or coverage limits could end up with a large change in how much coverage for a Nissan Sentra costs.

There is no one cookie-cutter policy that works for everyone, so the only way to find cheap auto insurance rates for your Nissan is to make a habit of comparing prices at least once a year. Get your free quotes now and you will get price quotes from top-rated car insurance companies in Iowa.

View Nissan Sentra Insurance Rates

Your Nissan’s trim level will likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Sentra 2 will be $88 lower than the insurance cost for the more expensive Sentra SE-R SPEC V model, as shown below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Iowa minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can impact insurance rates greatly.

Finding a high-quality insurance provider can be challenging considering how many choices there are in Iowa. The company rank data shown next can help you decide which car insurance providers to look at comparing rates with.

These rankings only include companies who write in the majority of U.S. states, so companies without a large exposure are not taken into consideration for this list. To get price quotes from these top insurers and more, click here.

Discount Iowa car insurance

Insurers that provide cheap insurance for a Nissan Sentra in Iowa may additionally offer policy discounts that can lower rates by as much as 30% if you are eligible for them. Larger auto insurance companies and some of the premium reductions they offer can be read below.

The diagram below illustrates the comparison of annual premium costs with and without discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, Iowa state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, anti-theft, safe-driver, accident-free, vehicle safety, and passive restraint discounts applied. When discounts are applied, the the amount saved on auto insurance for a Nissan Sentra is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 1843,1323],[‘Age 30’, 1235,893],[‘Age 40’, 1157,839],[‘Age 50’, 1011,733],[‘Age 60’, 985,711],[‘Age 70’, 1165,839]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Nissan Sentra’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The information below demonstrates how deductibles can influence insurance costs when researching cheap insurance for a Nissan Sentra. The premiums are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1965,1791,1597,1415],[‘Age 30’, 1377,1251,1109,975],[‘Age 40’, 1363,1241,1103,973],[‘Age 50’, 1195,1089,971,859],[‘Age 60’, 1133,1033,921,813],[‘Age 70’, 1241,1129,1009,897]]);var options = {title: ‘Deductibles and Nissan Sentra Insurance Rates in Iowa’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra’,minValue: 0,format: ‘$###,###’},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 30-year-old driver could lower rates by $260 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $390 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, could reduce their rates up to $550 or even more by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it is essential to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to find economical auto insurance for a Nissan Sentra

It’s not impossible to find cheaper rates, and here are many penny-pinching solutions that can help you locate the cheapest coverage.

• Drive vehicles with five-star safety ratings
• Good credit can help you save money
• Older vehicles may not need full coverage
• Keep your driving record clean
• Prevent rate increases by staying accident-free
• Increase your deductibles
• Comparison shop at least every other year

That last idea is extraordinarily significant, as we pointed out in the prior information. Rates can change in a short period of time, so don’t be tentative to switch companies if a more affordable price is available.

Many consumers stick with the same company and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you money that could be spent on other things. In just a few minutes you could compare rates and find cheaper auto insurance for a Nissan Sentra.

Who has the cheapest Nissan Sentra insurance quotes?

Thanks to the internet, there are a lot of ways to quote auto insurance rates in Iowa, but the most preferred are either through an independent insurance agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or direct online or over the phone from a company like Progressive or Geico.

All three ways are similar, but each is slightly different in how they provide price quotes.

Independent agencies work for many companies and can quote your policy with every one. Independent agents are not employed by one specific company and can provide multiple price quotes, which may provide you with more bang for your buck. If you want to switch companies, it’s simple to move the policy which makes it simple for you.

An agent who is captive is ‘exlusive’ to a single insurance company, for example a Farmers or Allstate agent. Exclusive agents generally are unable to provide prices from multiple companies, so smart shoppers will want to get additional comparison quotes.

If you buy direct, you bypass the middleman (the agent) and buy direct either online or via phone. Buying direct can be a good choice for families who have an average risk profile and have a decent understanding of what coverage options they need.

So what is the best way to find cheap insurance for a Nissan Sentra in Iowa? Most drivers assume that shopping direct results in the cheapest price since no commissions are paid to an agent, but that turns out to not be true. And we’d like to say going through an independent agent saves the most money since they have more companies to choose from, but that assumption is not true either. In many circumstances, exclusive agents have coverage prices that other companies cannot beat.

Due to that fact that auto insurance uses so many rating variables, really the only way to get rock-bottom rates is to do a thorough rate comparison. In a perfect world, youll get price quotes from all three to have enough rates to compare. To see some of the cheapest online companies available, click here to view.