Cheap Insurance Quotes for a Nissan Altima in Kentucky

Your ability to find cheaper coverage for a Nissan Altima in Kentucky hinges on factors such as whether you are single or married, whether or not you have prior claims, and your choice of deductibles. Drivers in Kentucky will pay around $950 per year for Altima insurance, but that cost is an estimation using rating data for a 50-year-old single female driver who requires comprehensive and collision coverage and $500 policy deductibles.

This brings up the issue that more than likely you’re not a 50-year-old female, maybe you are married instead of single, and you probably do not live in the same zip code as the example. Just a minor change in rating criteria may result in a big change in policy price.

Different coverage needs are the reason why the only real way to find cheap insurance prices for your Nissan is to get into the habit of comparing rates once a year. It only takes a few minutes and you will receive prices from some of the most affordable companies that sell coverage in Kentucky.

Insure Your Nissan for Less

The specific model of Altima will most likely have an effect on the insurance rate, so the price you pay to insure a Altima 2.5 4-Dr Sedan will be $208 less than the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as shown in the prices below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific location information which can decrease or increase rates substantially.

Finding dependable, affordable insurance is not the easiest thing to do, and figuring out which company quotes the cheapest auto insurance rates for a Nissan Altima will take a little more work. Each insurer has a unique approach to set premium rates, so we’ll go over the auto insurance companies that tend to be cheaper in Kentucky.

It’s important to know that Kentucky auto insurance rates are determined by lots of factors that may substantially change the cost of coverage. This price fluctuation is why consumers need to take the time to spend some time comparing rates when trying to find the most economical car insurance quotes for a Nissan Altima. Insurance rates are influenced by many things and can change without notice, so the most economical company when you last compared rates may now be one of the higher cost companies.

Find the Cheapest Auto Insurance for Your Altima

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Cincinnati Insurance may have some of the cheapest car insurance rates in Kentucky at around $1,082 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual would also make the list of some of the most economical Kentucky car insurance companies.

In the above rates, if you currently have a policy with USAA and switched to Cincinnati Insurance, you may realize an annual savings of approxmiately $129. Policyholders with Auto-Owners may save as much as $317 a year, and Motorists Mutual policyholders might reduce rates by $487 a year.

To see how much you can save, click here to start a quote or quote rates from the companies below.

These premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Nissan Altima. So the insurer that can offer you the lowest price may not even be featured in the list of companies above. That’s why you need to get quotes using your own individual information.

The chart below highlights how deductible selection can raise or lower insurance costs when searching for cheap insurance for a Nissan Altima. The premiums assume a single female driver, full physical damage coverage, and no additional discounts are factored in.

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The chart above illustrates that a 30-year-old driver could lower rates by $414 a year by switching from a $100 deductible to a $500 deductible, or save $622 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, can cut $920 or more just by choosing larger deductibles.

When using a larger deductible, it is essential to have enough savings to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Should you buy full coverage?

Finding cheap insurance for a Nissan Altima in Kentucky should be important to the majority of drivers, and one good way to pay lower rates for insurance is to not insure for full coverage. The illustration below compares premium costs with full physical damage coverage compared to only buying liability only. The data assumes no accidents or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

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As an overall average, comprehensive and collision coverage on your policy costs $2,088 per year more than just insuring for liability. A very common question is if it’s a good idea to buy full coverage. There is no specific rule that is best for determining when to drop comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s claim settlement value is $12,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $11,000 after you pay the deductible. If premiums are more than $1,100 annually for full coverage, then it’s probably a good time to buy liability coverage only.

Is the best company Progressive, Allstate, Geico, or State Farm?

When comparing insurance for an Altima in Kentucky, four of the best places to start are Progressive, Allstate, Geico, and State Farm. All of them offer physical damage and liability coverage, but each has unique features and discounts that may influence your buying decision. The data below illustrates pricing and service ratings, plus some optional coverages offered by each company.