Car Insurance Rates for a Nissan Altima in Riverside

To save the most money, the best way to get cheaper Nissan Altima insurance in Riverside is to annually compare prices from insurers that sell auto insurance in California. You can compare prices by following these steps.

Step 1: Take a little time to learn about auto insurance and the measures you can take to drop your rates. Many rating criteria that result in higher rates like high-risk driving behaviors and poor credit history can be eliminated by making minor changes in your lifestyle.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while agents who are independent can quote prices from multiple insurance companies.

Step 3: Compare the new rates to your existing rates and determine if there is any savings. If you find a better price and switch companies, make sure coverage does not lapse between policies.

Step 4: Provide written notification to your current company of your intention to cancel your current coverage. Submit the signed application along with the required initial payment to the new insurer. Once the paperwork is finalized, keep your new certificate verifying coverage in your glove compartment.

A tip to remember is to compare similar limits and deductibles on each quote and and to get price estimates from every insurance company. Doing this enables an apples-to-apples comparison and a complete rate analysis.

Insurance rates Nissan Altima in RiversideStatistics show that a large majority of drivers kept buying from the same company for more than four years, and practically 40% of insurance customers have never quoted insurance rates at all. With the average insurance premium being $1,390, Riverside drivers can cut their rates by about $470 a year just by comparing rates, but they don’t know the big savings they would realize if they switched.

Reducing your Nissan Altima insurance rates is pretty simple and can save money. Drivers just need to take a couple of minutes getting comparison quotes from some recommended companies.

Doing online rates comparisons is so easy that it replaces the need to drive around to insurance agents’ offices. Quoting and buying Nissan Altima insurance online makes this unnecessary unless you prefer the advice and guidance that only an agent can give. It is possible with some companies price shop online and have a local agent actually service the policy.

The companies shown below have been selected to offer free quotes in California. If multiple companies are listed, we recommend you get prices from several of them in order to find the cheapest rates.

Rates and information analytics

The rate table displayed next outlines estimates of insurance costs for Nissan Altima models. Having a good understanding how insurance prices are calculated can aid in making smart choices when purchasing an auto insurance policy.

Nissan Altima Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $380 $686 $442 $26 $132 $1,666 $139
Altima 2.5 S 4-Dr Sedan $380 $810 $442 $26 $132 $1,790 $149
Altima Hybrid 4-Dr Sedan $430 $810 $442 $26 $132 $1,840 $153
Altima 2.5 S 2-Dr Coupe $430 $810 $500 $30 $150 $1,920 $160
Altima 3.5 SR 4-Dr Sedan $430 $810 $442 $26 $132 $1,840 $153
Altima 3.5 SR 2-Dr Coupe $430 $932 $500 $30 $150 $2,042 $170
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium costs do not factor in zip code location which can revise rates considerably.

Higher deductibles save money

A question often asked by Riverside drivers is which deductible level should you buy. The following insurance rates illustrate the differences in premium rates of buying low and high coverage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Nissan Altima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
Altima 2.5 S 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Altima Hybrid 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 2.5 S 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Altima 3.5 SR 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 3.5 SR 2-Dr Coupe $386 $780 $500 $30 $150 $1,871 $156
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Nissan Altima insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $210 $362 $442 $26 $132 $1,172 $98
Altima 2.5 S 4-Dr Sedan $210 $426 $442 $26 $132 $1,236 $103
Altima Hybrid 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Altima 2.5 S 2-Dr Coupe $238 $426 $500 $30 $150 $1,344 $112
Altima 3.5 SR 4-Dr Sedan $238 $426 $442 $26 $132 $1,264 $105
Altima 3.5 SR 2-Dr Coupe $238 $490 $500 $30 $150 $1,408 $117
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can decrease or increase insurance rates considerably.

Based on the figures above, using a $250 deductible will cost you about $35 more each month or $420 every year than selecting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claim filings, you would come out ahead if you choose the higher deductible.

The diagram below illustrates how your choice of deductibles and can change Nissan Altima annual premium costs for different age groups of insureds. The information is based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Protect more than your Nissan Altima

Despite the high insurance cost for a Nissan Altima in Riverside, insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. The average driver in America overpays as much as $850 per year so you should quote your policy with other companies at every policy renewal to help ensure money is not being wasted.

Lower rates by qualifying for these eight discounts

Not many people think insurance is cheap, but you can get discounts that many people don’t even know exist. Many discounts should be triggered at the time of quoting, but some must be inquired about before you get the savings.Car insurance discounts

Discounts lower rates, but many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works.

The diagram below visualizes the comparison of Nissan Altima annual premium costs with and without discounts applied to the policy rates. The data is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, safe-driver, and claim-free discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts are detailed below.

If you need lower rates, check with each insurance company the best way to save money. Discounts might not be offered in your state.

Car insurance quotes from neighborhood Riverside auto insurance agents

A lot of people just want to talk to a local agent and that can be a great decision Good insurance agents are very good at helping people manage risk and give you someone to call. One of the benefits of getting online price quotes is that drivers can save money and get cheaper auto insurance rates and still have an agent to talk to. Buying from small agencies is important especially in Riverside.

Insurance agency in RiversideAfter filling out this short form, your insurance coverage information is emailed to agents in your area who will give you quotes for your business. There is no need to contact any agents since price quotes are sent to the email address you provide. If you need to get a rate quote from a specific company, you just need to search and find their rate quote page and give them your coverage information.

If you are searching for a reliable insurance agent, it’s helpful to know the types of agencies and how they differ in how they quote coverages. Insurance agencies in Riverside can either be exclusive agents or independent agents. Either can insure your vehicles properly, but it is a good idea to know the differences since it can affect which agent you choose.

Independent Car Insurance Agents

These agents do not have single company limitations so they can write business through many companies and find the cheapest rate. To move your coverage to a new company, your agent can switch companies and you don’t have to switch agencies.

When searching for an agent, you need to get several quotes from a few independent agents for the best price selection.

Below is a partial list of independent insurance agencies in Riverside that may be able to give you free car insurance rate quotes.

3410 La Sierra AveRiverside, CA 92503(951) 732-7770View Map

4204 Riverwalk Pkwy #200Riverside, CA 92505(951) 801-2032View Map

18791 Van Buren Boulevard Suite CRiverside, CA 92508(951) 780-4075View Map

More insurance agents

Exclusive Agencies

Exclusive insurance agents can only provide pricing for a single company such as State Farm, Allstate, or Farmers Insurance. These agents are not able to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a list of exclusive insurance agents in Riverside who can help you get rate quotes.

4955 Felspar St jRiverside, CA 92509(951) 360-9921View Map

Farmers Insurance Eric Wilkins Agency
7177 Brockton Ave #109Riverside, CA 92506(951) 680-9213View Map

3333 Central Ave bRiverside, CA 92506(951) 367-1490View Map

More insurance agents

Choosing a car insurance agent requires you to look at more than just the premium amount. Here are some questions to ask:

After talking to the agent and getting answers to your satisfaction to these questions and locked in a price quote, it’s a good possibility that you have found an insurance agent that is professional and can properly service your car insurance policy.

Don’t assume everyone needs the same auto insurance coverage

Always remember that when buying proper insurance coverage for your vehicles, there is no perfect coverage plan. You are unique.Drive safe and save

For instance, these questions could help you determine if your situation might need professional guidance.

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage breakdown

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, rehabilitation expenses, X-ray expenses, nursing services and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Altima.

Since a lot of drivers carry very low liability coverage limits (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liability limits.

Coverage for collisions

Collision coverage will pay to fix damage to your Altima caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Altima in order to get cheaper collision rates.

Comprehensive car insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a bird and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.


Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, repair costs for stationary objects, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.

The next chart demonstrates why buying low liability limits may not be enough.

One last note

Drivers change insurance companies for a variety of reasons including questionable increases in premium, lack of trust in their agent, policy non-renewal or even policy cancellation. Regardless of your reason, finding a great new company is not as difficult as it may seem.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

Lower-priced insurance in Riverside is attainable both online and with local Riverside insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not offer the ability to get quotes online and most of the time these small, regional companies work with local independent agencies.

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