You will get the best deal financing externally, either with PenFed or with a credit union. PenFed is offering 3.99% on new car purchases. Nissan wont give any better than 5.99% even with A+ credit.
You're probably going to have to shop around some for insurance, this varies a lot state to state. Up here Amica is the cheapest if you are are 30+, but that may not be the case if you are in your 20's. There are some websites that may get you estimates for multiple carriers.
The touring package gets you the leather trimmed power seats, the Bose stereo, the rear cargo cover and the option of navigation.
There is only 1 sports package, S01. The other one is just a few aero bits. The sports package includes the 19" Rays with Bridgestone tires, Limited Slip Diff, and upgraded brakes (4 piston front calipers on 14" rotors and 2 piston rear calipers on 13.8" rotors).
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