Nissan Altima insurance image courtesy of QuoteInspector.com
Finding the best cheap auto insurance for a Nissan Altima is pretty easy for most people, but it relies on many factors such as your financial responsibility, your claims history, and any driving offenses on your record. Drivers pay approximately $1,587 per year for Altima insurance, but that price is a valuation using a 30-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
Most likely you aren't exactly 30 years old or even a female, maybe you are married instead of single, or maybe you prefer to not insure for full coverage. Have just a small change in the rating criteria used to formulate rates may result in significant differences in rates.
Every driver's needs are different, and that is why the only way to find the cheapest coverage for your Nissan is to compare as many rates as you can.
Your vehicle's trim level has an effect on the cost of insurance, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $350 less expensive the insurance cost for the more costly Altima 3.5 SR 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$308||$570||$596||$36||$178||$1,688||$141|
|Altima 2.5 S 4-Dr Sedan||$308||$672||$596||$36||$178||$1,790||$149|
|Altima Hybrid 4-Dr Sedan||$348||$672||$596||$36||$178||$1,830||$153|
|Altima 2.5 S 2-Dr Coupe||$348||$672||$674||$40||$202||$1,936||$161|
|Altima 3.5 SR 4-Dr Sedan||$348||$672||$596||$36||$178||$1,830||$153|
|Altima 3.5 SR 2-Dr Coupe||$348||$774||$674||$40||$202||$2,038||$170|
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific garaging location which can decrease or increase premium rates greatly.
Insurance company ratings
Finding the best car insurance company is hard considering how many companies provide coverage in California. The company information in the next section may help you choose which car insurance companies you want to consider when comparing insurance rates for a Nissan Altima.
These ratings are only comprised of the largest companies in the United States, so companies that focus mainly on California business are not taken into consideration for the list. If you'd like to compare prices from these companies and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how choosing different deductibles can raise or lower insurance costs when trying to find cheap insurance for a Nissan Altima. The premiums are based on a single male driver, full physical damage coverage, and no discounts are factored in.
A 50-year-old driver could lower their car insurance rates by $492 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $738 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could shave up to $1,640 each year by selecting a higher deductible. When raising deductibles, it's a good idea to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Why you should be shopping around
California insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply getting older, having a teenage driver, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being cheaper than before. Not only may your situation change, but companies amend premium rates as needed in order to offset underwriting gains or losses. A period of increased losses can result in increased rates, while a profitable period can produce more affordable Altima insurance rates.
To illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Riverside, CA for a 35-year-old male driver with a clear driving record, no claims, and great credit. When comparing rates based on his current situation, USAA might quote the lowest car insurance rates in Riverside at $1,326 annually. This is $325 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide round out the rest of the most affordable Riverside, CA auto insurance companies.
Now we will pretend the driver from the first example a claim surcharge, a lower credit score, and a stop sign violation. Due to the fact that every insurance company has a different process for determining prices, getting updated rate quotes may now show a new list of affordable companies as shown below.
Grange now has the cheapest insurance rate in Riverside, CA with Allstate, Mercury, GEICO, and Progressive also being competitive. This example shows why it is critical to compare as many rates as possible when trying to find the cheapest car insurance rates for a Nissan Altima.
Auto insurance prices consist of many risk factors and can change without notice, so the most affordable company the last time you checked may now be wasting a lot of money.
How to find low-cost car insurance for a Nissan Altima
Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help drivers quote lower-cost auto insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Earn discounts for being claim-free
- Older vehicles may not need full coverage
- Increase deductibles to save money
- Good credit can mean cheaper rates
- The safer your car, the less it costs to insure
- Compare rate quotes frequently
The last tip in the list is certainly critical, as was pointed out in this write-up. Coverage rates vary considerably, so don't be unwilling to buy from a new company if a lower price can be found.
Having brand loyalty is commendable, but it isn't a good idea if that loyalty results in overpaying hundreds every year. In just a few minutes you could compare prices and find cheaper auto insurance for a Nissan Altima in Riverside.
The Riverside, CA, insurance agents below can help you decide which is the best policy, as many consumers aren't sure which coverage to buy and prefer to get some professional input when shopping for cheaper insurance for an Altima. It can be complicated to do it yourself, so professional agents can provide you comfort knowing your policy gives you adequate protection in case of an accident or claim.
To find an agent close to you, click the button after the list or click here to compare price quotes now.
- Farmers Insurance - Dominique Tran
10800 Hole Ave #3 - Riverside, CA 92505 - (951) 343-3408
- Steve McDonald - State Farm Insurance Agent
2900 Adams St, Ste C10-J - Riverside, CA 92504 - (951) 785-6140
- Scott Fowler - State Farm Insurance Agent
7177 Brockton Ave #340 - Riverside, CA 92506 - (951) 777-2446
- Del Smith Insurance Agency
1355 E Alessandro Blvd # 200 - Riverside, CA 92508 - (951) 653-2188
- Dashers Insurance Riverside
10066 Magnolia Ave - Riverside, CA 92503 - (951) 689-2445