Affordable Nissan Altima Insurance in Chula Vista

It’s amazing but a large majority of drivers have remained with the same car insurance company for well over three years, and almost half have never compared quotes from other companies. Drivers in California could save as much as 35% each year just by getting comparison quotes, but they don’t invest the time required to shop their coverage around.

Insurance for Nissan AltimaTo save the most money, the best way to find low-cost prices for Nissan Altima insurance is to start doing a yearly price comparison from different companies in Chula Vista.

One thing to remember is to use similar deductibles and liability limits on each quote and and to get rates from all possible companies. Doing this provides a fair price comparison and the best price quote selection.

The companies shown below offer quotes in California. If your goal is to find cheap auto insurance in Chula Vista, it’s highly recommended you get price quotes from several of them to get the most affordable price.

Detailed insurance information

The rate information below highlights different prices for Nissan Altima models. Learning how insurance policy premiums are determined can assist in making smart choices when selecting a coverage provider.

Nissan Altima Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $334 $662 $534 $32 $160 $1,722 $144
Altima 2.5 S 4-Dr Sedan $334 $780 $534 $32 $160 $1,840 $153
Altima Hybrid 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
Altima 2.5 S 2-Dr Coupe $378 $780 $604 $36 $180 $1,978 $165
Altima 3.5 SR 4-Dr Sedan $378 $780 $534 $32 $160 $1,884 $157
Altima 3.5 SR 2-Dr Coupe $378 $898 $604 $36 $180 $2,096 $175
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific location which can raise or lower prices substantially.

Higher deductibles save money

A question often asked by Chula Vista drivers is where to set your physical damage deductibles. The figures shown below sum up how much more rates are between high and low physical damage coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Nissan Altima insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
Altima 2.5 S 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Altima Hybrid 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Altima 2.5 S 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
Altima 3.5 SR 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Altima 3.5 SR 2-Dr Coupe $430 $932 $500 $30 $150 $2,067 $172
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Nissan Altima insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
Altima 2.5 S 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Altima Hybrid 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 2.5 S 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Altima 3.5 SR 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 3.5 SR 2-Dr Coupe $314 $630 $500 $30 $150 $1,624 $135
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can revise price quotes considerably.

Based on this data, using a $100 deductible costs roughly $33 more each month or $396 a year than selecting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at least 12 months between claim filings, you would save more money going with the higher deductible. The illustration below shows a better example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $156
Average monthly premium for $500 deductibles (subtract): – $123
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

One big caveat is that a higher deductible means you will have to cover more of the damage yourself when you have a claim. You need to have enough savings in the event you need to pay the deductible to have repairs made.

The chart below illustrates how your choice of deductibles and can increase or decrease Nissan Altima insurance prices for different insured age categories. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

How accidents and violations affect rates

The information below shows how violations and at-fault claims can impact Nissan Altima insurance prices for different age groups. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

Nissan Altima liability rates compared to full coverage

The diagram below compares Nissan Altima premium costs with and without full coverage. The premiums are based on no violations or claims, $500 deductibles, single marital status, and no additional discounts are factored in.

When to eliminate full coverage

There is no set rule for eliminating physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your Nissan Altima claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying in excess of $500 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Auto insurance is not optional in California

Even though it’s not necessarily cheap to insure a Nissan in Chula Vista, auto insurance is required by state law in California and it also provides benefits you may not be aware of.

First, the majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Nissan Altima, almost every bank will make it mandatory that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Nissan at a more expensive rate and make you pay the higher premium.

Third, insurance protects not only your vehicle but also your financial assets. Insurance will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. The average driver in California is wasting up to $865 each year so we recommend shopping around once a year at a minimum to make sure the price is not too high.

Eight Tips to Get Lower-cost Chula Vista Insurance Costs

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that aid in calculating your premiums. If you have some idea of what influences your rates, this allows you to make good choices that may reward you with much lower annual insurance costs. Many factors are used when you quote your car insurance policy. Some factors are common sense like your driving record, but others are more obscure like your vehicle usage or your commute time.

Discounts for lower-cost insurance quotes

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even know about. Some discounts will apply at the time you complete a quote, but some discounts are required to be asked about before being credited. If you do not check that you are getting every discount available, you are not getting the best rate possible.Discount insurance

We need to note that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

The information below illustrates the difference between Nissan Altima insurance prices with and without policy discounts. The rate quotes are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-car, claim-free, and multi-policy discounts applied.

Some of the insurance companies that may have these benefits include:

When quoting, ask all the companies how many discounts you can get. Depending on the company, some discounts may not be offered in every state. If you would like to choose from a list of insurance companies that offer multiple discounts in Chula Vista, click here to view.

When to get professional advice

When quoting and comparing adequate coverage, there isn’t really a one size fits all plan. Your needs are unique to you.Higher deductibles save money

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance agents near you

Certain consumers just prefer to go talk to an agent and that is OK! Experienced insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing rates online is the fact that you can find lower rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is important especially in Chula Vista.

Insurance agents in Chula VistaAfter completing this quick form, your insurance data is transmitted to companies in Chula Vista who will give competitive quotes to get your business. It makes it easy because there is no need to drive around because prices are sent directly to your email. If you need to get a rate quote from a specific company, you can always navigate to their website and fill out the quote form the provide.

Not all car insurance agents are the same

When searching for local Chula Vista agents, there are a couple of different types of agencies to choose from. Insurance agents in Chula Vista can be classified as either exclusive or independent agents depending on their company appointments. Either can properly insure your vehicles, but it is a good idea to know how they are different because it may have an impact on your selection of an agent.

Independent Agents (or Brokers)

These type of agents often have many company appointments so they can insure your vehicles through many different insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move your policy to a different company and you stay with the same agent.

When searching for an agent, we recommend you check rates from a few independent agents so that you have a good selection of quotes to compare.

The following are Chula Vista independent agencies that can possibly get you rate quotes.

Princell Insurance Services
1068 Moonstone PlChula Vista, CA 91913(619) 397-5955View Map

355 K StChula Vista, CA 91911(619) 420-8888View Map

1090 3rd Ave #5Chula Vista, CA 91911(619) 591-1540View Map

View more Chula Vista agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can usually just insure with one company and some examples include Farmers Insurance, State Farm, or Allstate. These agents are unable to provide other company’s prices so keep that in mind. These agents receive a lot of sales training on what they offer which helps them sell insurance even at higher premiums.

Listed below is a list of exclusive agencies in Chula Vista who can help you get price quote information.

208 3rd AveChula Vista, CA 91910(619) 651-1900View Map

651 3rd Ave aChula Vista, CA 91910(619) 426-7885View Map

2471 Main St #19Chula Vista, CA 91911(619) 476-1066View Map

View more Chula Vista agents

Picking the best insurance agent is decision based upon more than just a low price. These are some valid questions you should ask.

After receiving answers to your satisfaction to your questions and an affordable coverage quote, it’s a good possibility that you have found an auto insurance agent that is reputable and can properly service your insurance policy.

Quote more and you will save more

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut physical damage coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Budget-conscious Nissan Altima insurance is attainable from both online companies in addition to local insurance agencies, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online price quotes and most of the time these regional carriers work with independent insurance agents.

We just presented some good ideas how to lower your Nissan Altima insurance car insurance rates in Chula Vista. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced insurance comes from some of the lesser-known companies.

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