Cheapest Insurance for a Nissan Altima in Mississippi

Our editors keep telling us that when writing about car insurance, the word “cheap” shouldn’t be used as a descriptor for auto insurance rates. The fact is, cheap auto insurance for a Nissan Altima is almost non-existent. Don’t get your dauber down, because we are going to tell you how you can still find coverage that won’t break the bank.

The odds of finding affordable car insurance for a Nissan Altima in Mississippi is contingent on dozens of factors like if you have purchased a home, your geographic location, and any prior driving offenses. Drivers in Mississippi pay an average rate of $1,060 a year for Altima insurance, but that is a ballpark figure using cost data for a 50-year-old single female that wants both comprehensive and collision coverage and $250 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not 50 and possibly not even female, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Even a slight change in the rating criteria used to formulate rates can precipitate large changes in the cost of insurance for a Nissan Altima.

Every driver’s needs are different, and that is why the way we recommend to find affordable rates for your Nissan is to put in the effort to do a thorough rate comparison. To cut your rates now, get a free quote and you can get rates from top-rated companies that sell coverage in Mississippi.

Cheapest Nissan Altima Insurance Rates

Your vehicle’s trim level will likely have an effect on price, so the price to insure a Altima 2.5 4-Dr Sedan model will be $240 less than the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe trim level, as shown in the chart below.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can lower or raise prices significantly.

Finding out which company has the lowest-priced car insurance rates for a Nissan Altima may require a little more sweat in order to find a policy that fits your budget. Each insurance company uses their own formula to set policy rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Mississippi.

Find the Cheapest Auto Insurance for Your Altima

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USAA may offer some of the most affordable car insurance rates in Mississippi at around $807 each year. Travelers, Unitrin, Direct General, and ALFA would also make the list of some of the lowest-priced Mississippi car insurance companies.

As shown in the table above, if you currently have coverage with ALFA and switched to Travelers, you could earn yearly savings of around $320. Drivers with Southern Farm Bureau could save as much as $364 a year, and State Farm customers might realize rate reductions of up to $392 a year.

To find the cheapest insurance for a Nissan Altima in Mississippi for your vehicle, click here to start a quote or click through to the companies below.

Understand that those policy rates are averages for all drivers and vehicles in Mississippi and are not factoring in a specific rate factor for a Nissan Altima. So the car insurance company that has the lowest price for you may not even be featured in the chart above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.

Car insurance rates are higher with tickets and accidents

In a perfect world, the ideal way to obtain cheap car insurance rates in Mississippi for an Altima is to pay attention while driving and avoid accidents and violations. The chart below highlights how traffic violations and accident claims impact annual premium costs for different ages of insureds. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

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In the prior example, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,458. Get one speeding ticket and the average cost swells to $1,676, an increase of $218 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Altima increases to an average of $3,686. That’s an increase of $2,229, or $186 per month, just for not driving carefully!

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

If you are shopping around for insurance for an Altima in Mississippi, four companies you’ll want quotes from are Geico, State Farm, Allstate, and Progressive. Each company has slightly different coverage options that may influence your choice. The next table ranks price and claims rank as well as some different options you can expect with each one.

How to find low-cost auto insurance for a Nissan Altima

Below you’ll find some thrifty suggestions that can help drivers quote more affordable auto insurance.

• Just one traffic violation will increase your rates
• Safe vehicles generally have lower rates
• Increase your policy deductibles
• Do not get into accidents that are your fault
• Older vehicles may not need full coverage
• Improve your credit
• Comparison shop at least every other year

The last suggestion is certainly crucial, as was discussed in this write-up. Insurance prices can change considerably based on profitability, so don’t be afraid to change insurance companies if a more affordable rate is found.

Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that devotedness results in you overpaying a fortune every year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Nissan Altima.