Finding the best cheap coverage for a Nissan Altima in California is dependent upon a lot of factors such as whether you are married or single, what you do for a living, and citations on your driving record. Drivers pay around $1,153 a year to insure their Altima, but that is calculated using a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 years old and maybe not even male, married instead of single, or maybe you live in a different area as the quoted rates. Having just a slight change in policy rating criteria or coverages could end up in a significant change in the coverage rate.
This example demonstrates why the way we recommend to find the cheapest coverage for your Nissan is to do a thorough rate comparison.
Your Nissan’s trim level tends to have a direct effect on the insurance rate, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan model will be $242 cheaper than the insurance cost for the fancier Altima 3.5 SR 2-Dr Coupe model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$182||$372||$500||$30||$150||$1,234||$103|
|Altima 2.5 S 4-Dr Sedan||$182||$440||$500||$30||$150||$1,302||$109|
|Altima Hybrid 4-Dr Sedan||$204||$440||$500||$30||$150||$1,324||$110|
|Altima 2.5 S 2-Dr Coupe||$204||$440||$564||$34||$168||$1,410||$118|
|Altima 3.5 SR 4-Dr Sedan||$204||$440||$500||$30||$150||$1,324||$110|
|Altima 3.5 SR 2-Dr Coupe||$204||$506||$564||$34||$168||$1,476||$123|
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in specific zip code location which can revise rates greatly.
Establishing which insurers offer the most affordable insurance rates for a Nissan Altima will require a little more sweat in order to find the lowest price. Every car insurance company has a proprietary method to set premium rates, so we’ll take a look at the insurance companies that tend to have lower prices in California.
It’s important that readers know that Bakersfield insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. Simply turning a year older, filing a claim, or getting a ticket for careless driving may cause policy rate changes that can cause some rates to be more affordable than before.
Best Insurance Companies for Your Altima
Wawanesa offers some of the best car insurance rates in Bakersfield at around $1,146 each year. This is $505 less than the average price paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide also qualify as some of the cheapest Bakersfield, CA auto insurance companies.
In the rate table above, if you buy coverage from Century National and switched to USAA, you might see an annual savings of about $59. Insureds with Nationwide may save as much as $95 a year, and 21st Century policyholders might see rate reductions of $224 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit several of the following companies.
Remember that these rates are averaged across all drivers and vehicles in California and and are not calculated with an exact vehicle garaging location for a Nissan Altima. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That affirms the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
Full coverage rates vs. liability-only in Bakersfield
Paying less for insurance is probably important to most drivers, and one common way to buy cheap insurance for a Nissan Altima is to not pay for full coverage. The information below illustrates the comparison of premium costs with full coverage and liability only. The premiums are based on no accidents or driving violations, $500 deductibles, marital status is single, and no additional discounts are factored in.
If all age groups are averaged, full coverage on your policy costs $2,656 per year over liability only. At some point, almost every driver questions when is the right time to remove full coverage. There is no definitive guideline that is best for determining when to drop physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
Here’s why price comparisons are so important
Bakersfield insurance rates are impacted by many factors that can increase the price of your policy. Simply getting older, buying a home instead of renting, or getting a ticket for careless driving may prompt premium changes that can now make some companies cheaper than competitors. And not only may your rating factors change, but insurers change rates as often as every three months to adjust for heavy claims or excess profits. Heavier than normal losses can cause high rates, while less frequent claims can result in cheaper Altima insurance rates.
As an example, the chart below compares the cheapest car insurance in Bakersfield, CA for a 30-year-old female driver with a good driving record, no prior claims, and good credit. If we compare prices based on her personal profile, USAA might offer the most affordable car insurance rates in Bakersfield at $1,189 per year. This is $462 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the most affordable Bakersfield, CA auto insurance companies.
The chart below compares rates after we give the driver from above a chargeable claim, bad credit, and a speeding ticket. Due to the fact that every insurance company has their own process to set policy rates, comparing rates most likely will result in a significantly different list of companies as shown below.
Grange now has the cheapest rate in Bakersfield with GEICO, Allstate, Mercury, and Progressive now being in the top five. This illustrates why it is critical to perform a complete rate comparison to get the lowest insurance rates for a Nissan Altima. Insurance rates can be determined by many different factors and can decrease or increase without notice, so the most affordable company a year ago may now not even be in the top five.