Do you want to learn how to find more competitive Nissan Altima insurance in Sacramento? I can’t think of a single person who fancies paying their premiums for auto insurance, especially when they could get a better deal.
It’s an obvious statement that insurance companies want to prevent you from shopping around. People who shop for lower rates are highly likely to move their business because there is a good probability of finding a cheaper policy. A recent survey revealed that drivers who made a habit of comparing rate quotes saved $860 a year as compared to drivers who never shopped around for better prices.
If finding the cheapest rates on auto insurance in Sacramento is why you’re reading this, then having some knowledge of how to find and compare car insurance can save money and time.
How to find discount Nissan Altima insurance in Sacramento
It takes a little time, but the best way to get cheaper Nissan Altima insurance in Sacramento is to make a habit of regularly comparing prices from providers who sell auto insurance in California. You can compare prices by completing these steps.
- Step 1: Try to comprehend car insurance and the factors you can control to keep rates low. Many policy risk factors that drive up the price like inattentive driving and poor credit history can be remedied by making lifestyle changes or driving safer.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can provide prices from multiple sources. Compare rates
- Step 3: Compare the quotes to the price on your current policy and determine if there is any savings. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
- Step 4: Tell your current agent or company to cancel your current coverage and submit the application along with any required down payment to the new insurer. As soon as you can, store the certificate verifying proof of insurance along with your vehicle registration.
One bit of advice is to try to use similar deductibles and liability limits on every quote request and and to get rate quotes from every insurance company. This provides a fair rate comparison and a thorough selection of prices.
People have so many insurance companies to pick from, and although it’s nice to be able to choose, more choices can make it harder to compare company pricing for Nissan Altima insurance in Sacramento.
Cheaper Sacramento insurance quotes with discounts
Companies don’t always advertise every discount they offer very well, so here is a list some of the more common and the more hidden credits that may apply to you.
- Good Student Discount – This discount can get you a discount of up to 25%. Many companies even apply the discount to college students up until you turn 25.
- Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- Life Insurance Discount – If the company offers life insurance, you could get lower prices if you buy life insurance from them.
- Distant College Student Discount – Any of your kids living away from Sacramento attending college and won’t have access to an insured vehicle could get you a discount.
- Multiple Policy Discount – If you can bundle your home and auto insurance and insure them with the same company you may save over 10 percent off each policy depending on the company.
We need to note that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.
The illustration below compares Nissan Altima annual premium costs with and without policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, safe-driver, marriage, and multi-policy discounts applied.
Auto insurance companies that may offer some of the above discounts include:
When quoting, ask every company how you can save money. Depending on the company, some discounts might not be offered in your area. For a list of companies who offer free Nissan Altima insurance quotes in Sacramento, follow this link.
Most of the larger companies such as GEICO, State Farm and Progressive provide pricing directly from their websites. Getting online rates for Nissan Altima insurance in Sacramento doesn’t take a lot of time as you simply type in the amount of coverage you want into the form. Behind the scenes, their rating system obtains reports for credit and driving violations and gives you a price quote. Getting online quotes for Nissan Altima insurance in Sacramento makes it simple to compare prices and it is imperative to have as many quotes as possible in order to find the lowest payment possible.
If you want to find out what other companies charge, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you complete the form with the coverage information identical to your current policy. This makes sure you’re receiving rate quotes for the exact same coverage.
The car insurance companies shown below provide comparison quotes in California. To locate cheap auto insurance in CA, we suggest you compare several of them in order to get a fair rate comparison.
Nissan Altima insurance rates and statistics
The coverage table shown below outlines different insurance policy prices for Nissan Altima models. Learning a little about how rate quotes are formulated can benefit drivers when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $270 | $454 | $450 | $26 | $134 | $1,334 | $111 |
| Altima 2.5 S 4-Dr Sedan | $270 | $536 | $450 | $26 | $134 | $1,416 | $118 |
| Altima Hybrid 4-Dr Sedan | $304 | $536 | $450 | $26 | $134 | $1,450 | $121 |
| Altima 2.5 S 2-Dr Coupe | $304 | $536 | $510 | $30 | $152 | $1,532 | $128 |
| Altima 3.5 SR 4-Dr Sedan | $304 | $536 | $450 | $26 | $134 | $1,450 | $121 |
| Altima 3.5 SR 2-Dr Coupe | $304 | $616 | $510 | $30 | $152 | $1,612 | $134 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can increase or decrease premium rates considerably.
Physical damage deductibles
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The premium rates below may help you to understand the differences in price when you buy lower versus higher comp and collision deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in garaging location in Sacramento which can influence premiums substantially.
We can derive from the above data that using a $250 deductible will cost in the ballpark of $35 more each month or $420 for a full year than buying the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 21 months between claim filings, you would come out ahead if you decide on a higher deductible.
How to calculate deductible break even period
| Average monthly premium for $250 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | – $107 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
The illustration below highlights how deductible selection and can change Nissan Altima insurance costs for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Safe drivers pay cheaper rates
The example below demonstrates how citations and at-fault fender-benders can increase Nissan Altima insurance costs for different age groups. The data is based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Does full coverage make sense?
The example below illustrates the comparison of Nissan Altima insurance costs when comparing full coverage to liability only. The premiums assume no violations or claims, $100 deductibles, marital status is single, and no discounts are taken into consideration.
When to eliminate full coverage
There is no specific rule to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s say your Nissan Altima replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying your policy deductible. If you are paying in excess of $300 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
How do Insurance Companies Determine Nissan Altima Insurance Prices?
Many things are considered when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but some are more transparent like your vehicle usage or your commute time.
Drivers with excellent credit save on car insurance – Having a bad credit score can be an important factor in determining your rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records than drivers who have poor credit scores. If your credit rating leaves room for improvement, you could be paying less to insure your Nissan Altima by taking the time to improve your credit score.
What are good liability insurance limits? – Your car insurance policy’s liability coverage provides coverage when you are ruled to be at fault for an accident. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
How old are your drivers? – Teen drivers in California are statistically proven to be inattentive when driving with friends therefore car insurance rates are much higher. Parents adding a first-time driver to your car insurance policy can really hurt. Older people have been proven to be more responsible, statistically cause fewer accidents, and receive fewer citations.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Optional features that cut prices – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop vehicle theft.
The type of car makes a difference – The performance of the car you need insurance for makes a huge difference in your rates. Economy passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.
The chart below is based on a married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Nissan Altima policy rates compared to other models of vehicles that have different performance risks.
An active insurance claims history can cost you more – Insurance companies in California generally give most affordable rates to policyholders who are not frequent claim filers. If you file a lot of claims you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Insure your auto and home with one company – The majority of companies will award lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s still a good idea to shop around to help guarantee you have the best rates. You may still be able to save even more than the discount even if you insure with multiple companies
Gals pay lower prices – The statistics show that females take fewer risks when driving. However, this does not mean men are worse drivers. Women and men get in accidents at a similar rate, but males get into accidents with more damage. They also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
The illustration below visualizes the comparison of Nissan Altima premium costs for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Nissan Altima insurance loss data – Insurance companies use past insurance losses to help calculate a profitable premium price. Vehicles that the statistics show to have a trend towards higher claims will cost more to insure.
The data below shows the historical loss data for Nissan Altima vehicles. For each type of coverage, the claim amount for all vehicles compiled together is equal to 100. Numbers under 100 mean the vehicle has better than average losses, while values over 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Altima | 110 | 97 | 119 | 144 | 147 | 114 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance is available from your local insurance agencies
Some consumers just prefer to have an agent’s advice. One of the benefits of price shopping on the web is you can get lower rates and still buy from a local agent. Putting coverage with local insurance agencies is important particularly in Sacramento.
To find an agent, once you fill out this simple form, your coverage information is emailed to insurance agents in Sacramento who can give free rate quotes to get your business. You don’t have to search for an agent due to the fact that quote results will go straight to your inbox. Get lower rates and a licensed agent to work with. If you have a need to get a comparison quote from a specific company, you can always go to their quote page and give them your coverage information.
Finding the right provider should depend on more than just a cheap price. These are some questions you should get answers to.
- If they are an independent agency in Sacramento, which companies do they recommend?
- Do they have a Better Business Bureau rating in Sacramento?
- If you raise deductibles, how much can you save?
- Do they receive special compensation for putting your coverage with one company over another?
- Is assistance available after office hours?
Once you have acceptable answers as well as an affordable premium quote, you have narrowed it down to an insurer that meets the requirements to properly service your insurance policy. But keep in mind you can cancel a policy whenever you choose to so don’t feel that you are obligated to your new company for the full term.
Why auto insurance is not optional
Even though it’s not necessarily cheap to insure a Nissan in Sacramento, maintaining insurance serves an important purpose.
- Most states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage if you drive a vehicle. 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.
- If you took out a loan on your Nissan Altima, most lenders will require you to buy insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may insure your Nissan at an extremely high rate and force you to pay for the expensive policy.
- Insurance safeguards both your assets and your Nissan Altima. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays as much as $810 a year so you should quote your policy with other companies at every policy renewal to save money.
Sacramento car insurance company ratings
Ending up with a good quality car insurance provider is difficult considering how many different companies sell coverage in Sacramento. The information shown next could help you pick which companies to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t give up on affordable premiums
When buying insurance coverage, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured cut collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.
We just covered many ideas to reduce Nissan Altima insurance prices online in Sacramento. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers may often insure only within specific states and give better rates as compared to the big name companies such as Allstate and Progressive.
How to find lower priced Nissan Altima insurance in Sacramento
If you want to save the most money, the best way to find low-cost auto insurance rates is to regularly compare prices from insurance carriers who can sell car insurance in Sacramento. Price quotes can be compared by completing these steps.
- Step 1: Try to comprehend how auto insurance works and the steps you can take to prevent high rates. Many factors that cause high rates like distracted driving and an unacceptable credit rating can be eliminated by making small lifestyle or driving habit changes.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple companies.
- Step 3: Compare the price quotes to your current policy premium to determine if switching companies saves money. If you find a better price and change companies, verify that coverage does not lapse between policies.
An important part of this process is that you’ll want to compare identical coverages on every price quote and and to get quotes from as many auto insurance providers as possible. This enables an apples-to-apples comparison and many rates to choose from.
Additional insurance information is available on the following sites:
- Prom Night Tips for Teen Drivers (State Farm)
- Who Has the Cheapest Auto Insurance Rates for a Nissan Altima in Sacramento? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Auto Theft Statistics (Insurance Information Institute)