Buying cheaper auto insurance for a Nissan Altima can be pretty simple, but it depends on a pretty complex algorithm that uses a lot of factors such as whether you use your Altima for business use, the size of your vehicle, and violations on your driving record. California drivers will pay on average $1,257 annually to insure their Altima, but that price is an approximation calculated using a 50-year-old married male driver with full physical damage coverage and $250 deductibles.
Most likely you may not be 50 years old (or even male), possibly single instead of married, or maybe you prefer liability limits higher than required by California state law. Having the smallest difference in rating factors or requested coverage amount could end up in a significant change in the price of a policy.
Each driver’s needs are different, and that demonstrates 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. In just a few minutes you will be able to see rates from the best auto insurance companies available.
The specific model of Altima will most likely have an effect on the insurance rate, so the price you pay to insure a Altima 2.5 4-Dr Sedan trim level will be $284 less expensive the cost to insure the higher-end Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$266||$490||$424||$26||$126||$1,332||$111|
|Altima 2.5 S 4-Dr Sedan||$266||$576||$424||$26||$126||$1,418||$118|
|Altima Hybrid 4-Dr Sedan||$300||$576||$424||$26||$126||$1,452||$121|
|Altima 2.5 S 2-Dr Coupe||$300||$576||$480||$28||$144||$1,528||$127|
|Altima 3.5 SR 4-Dr Sedan||$300||$576||$424||$26||$126||$1,452||$121|
|Altima 3.5 SR 2-Dr Coupe||$300||$664||$480||$28||$144||$1,616||$135|
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in specific location which can revise premium rates noticeably.
Comparing quotes for cost effective auto insurance is easier said than done, and determining which insurers offer the cheapest car insurance rates for a Nissan Altima will involve even more shopping around. Every car insurance company uses a slightly different approach to set their prices, so let’s take a look at the car insurance companies with the overall best prices in Chula Vista, CA.
It’s important that readers know that California car insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay for coverage. This is why it is important to spend some time comparing rates to find the most affordable insurance quotes for a Nissan Altima. Prices can be determined by many risk factors and change substantially, so the best price six months ago may now be an over-priced policy.
Find the Cheapest Car Insurance for Your Altima
|Rank||Company||Cost Per Year|
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USAA may offer some of the most affordable car insurance rates in Chula Vista at around $1,155 a year. Century National, Wawanesa, CSAA, and Nationwide also are some of the more affordable Chula Vista, CA auto insurance companies.
As the example above demonstrates, if you currently have coverage with Century National and switched to USAA, you might realize a yearly price reduction of around $35. Policyholders with Wawanesa could save as much as $37 a year, and CSAA customers might lower prices by $43 a year.
Be aware that those estimates are averages for all drivers and vehicles and are not factoring in an exact location for a Nissan Altima. So the car insurance company that can offer you the best price may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own specific driver and vehicle information.
Careless drivers pay higher rates
The easiest method to earn cheap car insurance premiums in California for an Altima is to be a cautious driver and avoid at-fault accidents and violations. The illustration below shows how traffic citations and at-fault accidents impact car insurance costs for each different age group. Data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.
In the previous chart, the average cost of auto insurance in Chula Vista per year with no violations or accidents is $2,819. Get written up for one speeding ticket and the average cost swells to $3,200, an increase of $380 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Nissan Altima goes up to an average of $4,272. That’s an increase of $1,452, or $121 per month, just for not driving responsibly!
Why you should compare rates
Chula Vista car insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Getting older, buying higher coverage limits, or getting a speeding ticket can produce rate changes resulting in some rates now being cheaper than competitors.
Not only may things change on your end, but insurance companies change rates every year in order to protect their financial rating. Heavier than normal losses can cause additional premium costs, while a profitable period can produce cheaper Altima insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in Chula Vista, CA for a 45-year-old female driver with a clear driving record, no claims, and a good credit history. When comparing rates based on her current risk factors, USAA quotes the best car insurance rates in Chula Vista at $1,137 per year. This is $514 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the cheapest Chula Vista, CA auto insurance companies.
The chart below compares rates after we give the driver in the first chart an accident surcharge, bad credit, and a traffic ticket or two. Since each company uses their own formula for setting rates, analyzing rates could now result in a different list of affordable Chula Vista car insurance companies as shown below.
Grange now has the best price in Chula Vista, CA with Allstate, GEICO, Mercury, and Progressive also having competitive pricing. This example proves why it is critical to compare rates when trying to get cheap auto insurance quotes for a Nissan Altima.
Prices can be determined by many different factors and can change without notice, so the most affordable company the last time you checked may now be one of the higher cost companies.
How to find low-cost auto insurance for a Nissan Altima
Below you’ll find some of the better penny-pinching ideas that can help you quote low-cost car insurance.
- Save money by only buying liability coverage for older vehicles
- Clean up your credit
- Multi-policy discounts save money
- Avoid accidents and claims
- Buy a safer vehicle
- Check for cheaper rates once a year
The last tip is especially necessary, as we emphasized in this piece. Auto insurance rates in Chula Vista fluctuate constantly, so don’t hesitate to buy from a different company if a lower price can be found. Brand loyalty is great, but we do not recommend it if it’s costing you a lot of money every month. In just a few minutes you could compare rates and find cheaper auto insurance for a Nissan Altima.
The auto insurance agents in Chula Vista shown below can answer your questions and help you decide which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to have a little guidance when comparing insurance rates for an Altima. It’s not always easy to find the cheapest rate yourself, and a professional agent can give you satisfaction knowing your policy gives you adequate coverage when you need it most.
To find a Chula Vista insurance agency close to you, click the button after the list.
- Mexican Insurance Specialists
249 E St – Chula Vista, CA 91910 – (619) 420-8200
- L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800
- Allstate Insurance: Donald Sewell
355 3rd Ave B – Chula Vista, CA 91910 – (619) 425-5370
- Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071