If saving money is your primary concern, then the best way to get more affordable Nissan Altima insurance is to compare prices once a year from insurance carriers who can sell car insurance in Nashville. Prices can be compared by following these guidelines.
- First, get a basic knowledge of how insurance works and the changes you can make to drop your rates. Many rating factors that drive up the price like speeding tickets, accidents and a poor credit score can be controlled by making minor changes to your lifestyle.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agencies can give you price quotes for a wide range of companies.
- Third, compare the new rates to the premium of your current policy and determine if cheaper Altima coverage is available in Nashville. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
An essential thing to point out is that you’ll want to compare the same physical damage deductibles and liability limits on every price quote and and to get price quotes from every company you can. This ensures a fair rate comparison and the best price quote selection.
Smart shoppers know that car insurance companies don’t want you to look at other companies. Consumers who get price comparisons are inclined to switch to a new company because of the good chance of getting low-cost coverage. A recent survey discovered that consumers who make a habit of shopping around saved $865 a year compared to those who don’t make a habit of comparing rates.
If finding budget-friendly rates on Nissan Altima insurance in Nashville is your target objective, then knowing how to quote prices and compare insurance rates can help you be more efficient.
This article’s goal is to help educate you on the most effective way to quote insurance and some tips to save money. If you are insured now, you will be able to reduce premiums using the following tips. But Tennessee vehicle owners can benefit by having an understanding of how big insurance companies market on the web and use it to your advantage.
Determine discounts to get cheap Nashville insurance quotes
Companies that sell car insurance do not list every discount available in a way that’s easy to find, so the list below details some of the more common and also the lesser-known discounts that you can inquire about if you buy Nashville car insurance online.
- Low Mileage – Low mileage vehicles could qualify for lower prices due to less chance of an accident.
- First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate, State Farm and GEICO allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Senior Citizen Discount – If you qualify as a senior citizen, you may receive a small discount on rates.
- Paper-free Discount – A few larger online companies may give you up to $50 get Nashville car insurance online.
- Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
- Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you may reduce your total bill.
- Multi-line Discount – If the company offers life insurance, you could get better prices if you take out a life policy as well.
- Active Military Service – Having a deployed family member could qualify you for better prices.
Discounts lower rates, but most credits do not apply to the whole policy. Most only cut individual premiums such as comprehensive or collision. Just because it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.
The illustration below illustrates the comparison of Nissan Altima insurance premiums with and without discounts. The data assumes a female driver, no claims or driving violations, Tennessee state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-policy, safe-driver, and multi-car discounts applied.
Insurance companies who may offer these discounts may include but are not limited to:
Before purchasing a policy, check with all the companies which discounts can lower your rates. Discounts may not apply in your area.
The quickest method to get rate comparisons for Nissan Altima insurance in Nashville is to realize auto insurance companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is provide information like how many miles driven, types of safety features, the ages of drivers, and the make and model of your vehicles. Your information is automatically sent to multiple companies and they return cost estimate within a short period of time.
If you would like to start a quote now, click here and complete the form.
The auto insurance companies shown below are our best choices to provide quotes in Nashville, TN. If you want to find the best car insurance in Nashville, we recommend you visit two to three different companies to get the best price comparison.
Data for Nissan Altima insurance
The premium information displayed below outlines estimates of insurance premium costs for Nissan Altima models. Having a better understanding of how premiums are established can help guide drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $226 | $412 | $298 | $18 | $90 | $1,044 | $87 |
| Altima 2.5 S 4-Dr Sedan | $226 | $486 | $298 | $18 | $90 | $1,118 | $93 |
| Altima Hybrid 4-Dr Sedan | $256 | $486 | $298 | $18 | $90 | $1,148 | $96 |
| Altima 2.5 S 2-Dr Coupe | $256 | $486 | $336 | $20 | $100 | $1,198 | $100 |
| Altima 3.5 SR 4-Dr Sedan | $256 | $486 | $298 | $18 | $90 | $1,148 | $96 |
| Altima 3.5 SR 2-Dr Coupe | $256 | $560 | $336 | $20 | $100 | $1,272 | $106 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can influence coverage prices greatly.
Should you raise deductibles?
The hardest decision when buying coverage is how high should the physical damage deductibles be. The premium rates below may help to conceptualize the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $224 | $376 | $288 | $18 | $86 | $1,017 | $85 |
| Altima 2.5 S 4-Dr Sedan | $224 | $444 | $288 | $18 | $86 | $1,085 | $90 |
| Altima Hybrid 4-Dr Sedan | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Altima 2.5 S 2-Dr Coupe | $252 | $444 | $326 | $20 | $98 | $1,165 | $97 |
| Altima 3.5 SR 4-Dr Sedan | $252 | $444 | $288 | $18 | $86 | $1,113 | $93 |
| Altima 3.5 SR 2-Dr Coupe | $252 | $510 | $326 | $20 | $98 | $1,231 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $138 | $236 | $288 | $18 | $86 | $766 | $64 |
| Altima 2.5 S 4-Dr Sedan | $138 | $278 | $288 | $18 | $86 | $808 | $67 |
| Altima Hybrid 4-Dr Sedan | $156 | $278 | $288 | $18 | $86 | $826 | $69 |
| Altima 2.5 S 2-Dr Coupe | $156 | $278 | $326 | $20 | $98 | $878 | $73 |
| Altima 3.5 SR 4-Dr Sedan | $156 | $278 | $288 | $18 | $86 | $826 | $69 |
| Altima 3.5 SR 2-Dr Coupe | $156 | $320 | $326 | $20 | $98 | $920 | $77 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in zip code location which can modify insurance rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $24 more each month or $288 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 31 months between claims, you would probably be better off if you choose the higher deductible.
The example below demonstrates how deductibles and can raise or lower Nissan Altima insurance rates for different age categories. The data is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
How careless driving impacts auto insurance rates
The chart below highlights how speeding tickets and at-fault collisions can drive up Nissan Altima annual premium costs for each age group. The price estimates are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Get Cheap Insurance Rates by Understanding These Factors
Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. When consumers understand what determines base rates, this allows you to make educated decisions that may result in much lower annual insurance costs. Lots of things are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but others are more obscure such as whether you are married or how financially stable you are.
The itemized list below are some of the most rate-impacting factors used by insurance companies to determine your rates.
- How much liability protection do you need? – Your auto insurance policy’s liability coverage will provide protection if a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense to attempt to prove you were not liable. Liability insurance is quite affordable compared to physical damage coverage, so insureds should have plenty of protection for their assets.
- Insure your auto and home with one company – Most larger insurers will give a discount to people that have more than one policy in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even if you’re getting this discount it’s in your best interest to comparison shop to help guarantee you have the best rates. It’s possible to still save even more than the discount by buying auto insurance from a different company.
- Where you live factors in – Choosing to live in small towns and rural areas can save you money when trying to find low car insurance rates. Fewer drivers on the road means a lower chance of having an accident in addition to fewer liability claims. People in densely populated areas regularly have more traffic problems and higher rates of accident claims. The longer drive time translates into higher accident risk.
- Poor credit score equals high premiums – Credit score factor in determining what you pay for auto insurance. If your credit rating can be improved, you could potentially save money when insuring your Nissan Altima by spending a little time repairing your credit. Drivers who have excellent credit tend to file fewer claims and have better driving records than drivers with bad credit.
- Do you have a stressful vocation? – Did you know your career choice can influence rates? Jobs such as fire fighters, architects, and accountants usually pay the highest average rates because of intense work-related stress and extremely grueling work hours. Other jobs such as farmers, students and performers generally pay rates lower than average.
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Insurance loss data for a Nissan Altima – Car insurance companies factor in insurance loss information in order to profitably underwrite each model. Models that tend to have higher number or severity of losses will be charged more to insure.
The table shown below demonstrates the actual insurance loss data for Nissan Altima vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is represented as 100. Values that are 100 or less suggest a positive loss record, while percentages above 100 indicate a higher chance of having a claim or statistically larger losses.
Nissan Altima Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Altima 110 97 119 144 147 114 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Insurance agents near you
Many drivers just want to visit with an insurance agent and doing so can bring peace of mind A nice benefit of comparing car insurance online is that drivers can save money and get better rates but also keep your business local. Putting coverage with local insurance agencies is still important in Nashville.
To find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to local insurance agents in Nashville who want to provide quotes for your insurance coverage. There is no need to visit any agencies because prices are sent to your email. You can find better rates and work with a local agent. If you need to get a comparison quote from a specific company, just navigate to their website to submit a rate quote request.
If you prefer to buy car insurance from a reliable agent, you need to know there are two different agency structures and how they can quote your rates. Car insurance agents in Nashville can be described as either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Independent agencies are not restricted to one company and that enables them to quote your coverage with many different companies and find the cheapest rate. If your agent finds better pricing, they simply move your policy to a different company and you don’t have to switch agencies.
When shopping rates, we highly recommend that you get quotes from independent agents to have the best price comparison.
Listed below is a partial list of independent insurance agents in Nashville that may be able to give you price quote information.
Affordable Assurance Agency Inc
6202 Charlotte Pike # 1 – Nashville, TN 37209 – (615) 356-6700 – View Map
Manning Agency
104 Woodmont Blvd – Nashville, TN 37205 – (615) 383-6700 – View Map
Sturdivant Insurance
1400 Forrest Ave – Nashville, TN 37206 – (615) 943-4962 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel can only place business with one company like State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare other company’s rates so they really need to provide good service. They are highly trained on their company’s products which aids in selling service over price.
Below are exclusive agents in Nashville that can give you rate quotes.
Farmers Insurance – Greg Nelson
217 Old Hickory Blvd – Nashville, TN 37221 – (615) 646-3333 – View Map
Barbara Stewart – State Farm Insurance Agent
3055 Lebanon Pike #2103 – Nashville, TN 37214 – (615) 391-5300 – View Map
Phill Pharr – State Farm Insurance Agent
5814 Nolensville Pike #108 – Nashville, TN 37211 – (615) 832-0897 – View Map
Picking the best insurance agent requires you to look at more than just the premium amount. Any agent in Nashville should be willing to answer these questions.
- Which companies do they recommend if they are an independent agency?
- What is the financial rating for the quoted company?
- How are they compensated?
- Will the agent help in case of a claim?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- In the event of vehicle damage, can you pick the collision repair facility?
Upon getting good responses to your questions and a low price estimate, you have narrowed it down to a car insurance agent that meets the criteria to properly service your car insurance policy.
Auto insurance just makes sense
Despite the high cost of buying insurance for a Nissan Altima in Nashville, insuring your vehicle is required by state law in Tennessee and it also provides benefits you may not be aware of.
- Most states have mandatory insurance requirements which means state laws require a specific level of liability insurance in order to get the vehicle licensed. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your Nissan Altima, it’s most likely the lender will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your Nissan at a more expensive rate and force you to reimburse them for the expensive policy.
- Insurance safeguards not only your vehicle but also your assets. Insurance will pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $825 a year so you should quote rates at every policy renewal to save money.
The best rates come from being thorough
When getting Nashville car insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Throughout this article, we presented some good ideas how you can save on Nissan Altima insurance in Nashville. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding inexpensive Nashville car insurance quotes. Consumers may even find the most savings is with the smaller companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.
More detailed auto insurance information is located at these sites:
- Insurance Losses by Make and Model (iihs.org)
- What Auto Insurance is Cheapest for a Ford Explorer in Nashville? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Drunk Driving Statistics (Insurance Information Institute)
- Car Insurance FAQ (Trusted Choice)
- Learn About Car Insurance (GEICO)