Best Cheap Insurance Quotes for a Nissan Altima in Nevada

The chances of buying the cheapest car insurance for a Nissan Altima in Nevada hinges on a fairly complex equation with a lot of factors like the safety rating for your Altima, the likelihood of vehicle theft, and any prior driving citations you have received. Drivers pay an average rate of $1,110 every 12 months to insure their Altima, but that cost is that uses rate data for a 30-year-old single female driver that has full coverage and $500 deductibles.

There is a high probability that you are not 30 years old and maybe not even female, married instead of single, or possibly you just want cheap liability coverage. Even a slight difference in rating variables or coverage information can make a big difference in how much insurance for a Nissan Altima costs.

There is no perfect policy for every driver, so the way we recommend to find the cheapest rates for your Nissan is to put in the effort to do a thorough rate comparison.

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The trim level of your Altima will most likely have an effect on the coverage cost, so the price you pay to insure a Altima 2.5 4-Dr Sedan will be $244 less than the price to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as shown in the chart below.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can raise or lower rates greatly.

Finding a high-quality insurance provider is hard considering how many different companies there are to choose from in Nevada. The company ratings shown next could help you pick which auto insurance companies you want to consider comparing price quotes from.

These ratings include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Nevada or surrounding areas will not be included in this list. To compare prices and find the cheapest rates for a Nissan Altima, simply click here.

Top 10 Major Auto Insurance Companies in Nevada Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Mercury Insurance – A+
10. Titan Insurance – A+

Top 10 Major Auto Insurance Companies in Nevada Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top Companies for Nissan Altima Insurance in Nevada

Impact of citations and accidents on Nevada insurance rates

The ideal way to obtain the best cheap insurance for a Nissan Altima in Nevada is to pay attention while driving and not have accidents or get tickets. The diagram below illustrates how traffic citations and accidents influence auto insurance rates for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

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In the prior example, the average cost of car insurance in Nevada per year with no violations or accidents is $1,557. Add in one speeding ticket and the average cost rises to $1,790, an increase of $233 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for a Nissan Altima increases to an average of $2,446. That’s an increase of $889, or $74 per month, just for being a less-than-perfect driver!

Get discounts on Nevada car insurance rates

Insurance companies that provide the best cheap insurance for a Nissan Altima in Nevada may have price discounts that can lower rates by 30% or more if you qualify for them. A few of the larger companies and their offered discounts are:

• Progressive has savings for online signing, continuous coverage, multi-vehicle, homeowner, online quote discount, multi-policy, and good student.
• MetLife discounts include claim-free, good student, accident-free, good driver, defensive driver, and multi-policy.
• Mercury Insurance offers discounts for annual mileage, location of vehicle, good driver, low natural disaster claims, good student, and multi-car.
• Nationwide may offer discounts for good student, family plan, multi-policy, easy pay, and business or organization.
• GEICO offers discounts including daytime running lights, seat belt use, defensive driver, emergency military deployment, military active duty, and anti-theft.
• AAA offers premium reductions for anti-theft, good driver, education and occupation, good student, AAA membership discount, and pay-in-full.

The chart below compares car insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no violations or claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, homeowner, multiple policy, multiple vehicle, accident-free, and claim-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Nissan Altima is 28% or $435.

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Cheap Nissan Altima insurance quotes

Thanks to technology, drivers have a lot of ways to compare cheaper insurance rates in Nevada, but the most frequently used ways are using an independent agent, an exlusive agent such as Allstate or Auto-Owners, or direct from companies such as Progressive or Geico.

They all have the same basic principle, but buyers should know the differences in how they give price quotes.

Independent agencies work for many companies and can quote your policy with each one. Independent agents are able to give you more rate choices, which can give you a better overall rate comparison. If the agent locates a cheaper price, they simply move your policy to a different company and you do not have to find a new agent.

Exclusive agencies are only able to write with a single insurance company like a State Farm or Farmers agent. Exclusive agents normally do not have the ability to place coverage with different providers, so you will not be able to compare other companys’ rates.

Choosing to buy insurance direct means you skip an exlusive or independent agent and buy buying direct from a company like Esurance or Geico. Shopping direct may be preferred by people who have an average risk profile and understand what limits they need.

So which of those three methods works best for finding the best cheap insurance for a Nissan Altima in Nevada? We’d like to tell you buying direct results in the best prices since there is no need to pay agent commissions, but that does not always hold true. We could also say that using an independent agent is the best way to go because you have more choices, but that assumption is not true either. In some circumstances, exclusive agents have very competitive rates that are the lowest in Nevada.

Due to the large number of rating factors, the one way to get rock-bottom rates is to compare rate quotes from as many companies as possible. Experts recommend getting rate quotes from independent agents, exclusive agents, and direct companies to have a good selection of rates to choose from. For a list of companies with online discounts, click here to view.

How to find the best cheap insurance for a Nissan Altima in Nevada

The list below summarizes some penny-pinching solutions that can help drivers buy lower-cost coverage.

• Do not pay for full coverage if not needed
• Do not get traffic tickets
• Increase deductibles to save money
• Avoid having at-fault accidents
• Higher credit ratings may save you money
• Drive vehicles with five-star safety ratings
• Compare rates and switch if you can find a better deal

The last idea is notably important, as was stressed in this write-up. Insurance prices fluctuate considerably, so don’t hesitate to switch to a new company if you find a better deal.

Having brand loyalty is commendable, but it’s not recommended if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, compare prices and find cheaper insurance for a Nissan Altima.