Buying cheap car insurance for a Nissan Altima can be really easy, but it hinges on a complicated rating formula that uses factors such as how far you commute, the size of your vehicle, and driving violations and tickets. California drivers pay approximately $1,392 each year for Altima insurance, but that cost is based on a 30-year-old single female driver with full physical damage coverage and $1,000 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 30 years old or even a female, maybe you are married instead of single, and you need different coverage limits than the sample rates. Just a slight change in the criteria used to calculate rates may result in a big change in how much coverage for a Nissan Altima costs.
This demonstrates why the best way to find cheap car insurance rates for your Nissan is to compare as many rates as possible.
The trim level of your vehicle has an effect on the cost of coverage, so the price to insure a Altima 2.5 4-Dr Sedan will be $294 less expensive the price to insure the more expensive Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$234||$446||$596||$36||$178||$1,490||$124|
|Altima 2.5 S 4-Dr Sedan||$234||$524||$596||$36||$178||$1,568||$131|
|Altima Hybrid 4-Dr Sedan||$264||$524||$596||$36||$178||$1,598||$133|
|Altima 2.5 S 2-Dr Coupe||$264||$524||$674||$40||$202||$1,704||$142|
|Altima 3.5 SR 4-Dr Sedan||$264||$524||$596||$36||$178||$1,598||$133|
|Altima 3.5 SR 2-Dr Coupe||$264||$604||$674||$40||$202||$1,784||$149|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific location information which can increase or decrease coverage prices significantly.
How to find a good Sacramento car insurance company
Picking the best car insurance company can be challenging considering how many companies sell coverage in Sacramento. The rank data shown next could help you analyze which car insurance providers you want to consider putting your business with.
The rankings below only include companies that insure vehicles across America, so companies without a large exposure are not factored into these rankings. To check rates from these and other top-rated companies, just click here.
|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
Difference between full coverage and liability only rates
Buying cheaper car insurance is probably important to the majority of drivers, and one of the quickest ways to find cheaper insurance for a Nissan Altima is to buy liability only. The diagram below illustrates the comparison of insurance costs with and without physical damage coverage. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are factored in.
Averaged for all ages 20 through 70, full coverage on your policy costs $2,988 per year more than just insuring for liability. That raises the question if paying for full coverage is worth it. There is no written rule for eliminating full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
There are a few cases where only buying liability is not a good plan. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Illustration showing the impact of accidents and violations
In a perfect world, the ideal way to receive the cheapest car insurance prices in Sacramento for an Altima is to be a safe driver and avoid accidents and keep your driving record clean. The chart below illustrates how traffic citations and at-fault fender-benders can affect car insurance rates for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy in Sacramento per year with no accidents and a clean driving record is $2,122. Add in one speeding ticket and the average cost jumps to $2,445, an increase of $324 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Nissan Altima goes up to an average of $5,469. That’s an increase of $3,347, or $279 per month, just for not being attentive to the road!
Discounts on Sacramento car insurance rates
Car insurance companies that provide policies for a Nissan Altima may have price discounts that can reduce rates by 25% or more if you are eligible for them. A few of the larger companies and some of the discounts can be found below.
- Progressive offers discounts including multi-policy, continuous coverage, online quote discount, homeowner, online signing, and multi-vehicle.
- SAFECO offers premium reductions for multi-car, safe driver, anti-theft, teen safety rewards, and teen safe driver.
- American Family has discounts for good driver, good student, TimeAway discount, multi-vehicle, and mySafetyValet.
- MetLife offers discounts for defensive driver, accident-free, claim-free, good driver, good student, and multi-policy.
- GEICO discounts include good student, multi-vehicle, driver training, anti-theft, daytime running lights, membership and employees, and seat belt use.
- The Hartford includes discounts for air bag, defensive driver, anti-theft, driver training, good student, bundle, and vehicle fuel type.
The diagram below illustrates the comparison of car insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, defensive driving course, multiple policy, multiple vehicle, accident-free, and anti-theft discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a Nissan Altima is 28% or $701.