Cheapest Insurance for a Nissan Altima in North Dakota

Whenever people write about auto insurance, the words “cheap” or “affordable” really should not be used anywhere in the article. Be that as it may, cheap car insurance for a Nissan Altima is not always easy to find. But don’t despair, because we are going to show you how you can still get insurance that most people can afford.

The chances that you’ll find cheaper car insurance for a Nissan Altima in North Dakota hinges on an enormous amount of factors like if you are single or married, your profession, and if you have any chargeable driving offenses. Drivers in North Dakota will pay on average $950 a year to insure their Altima, but that price is based upon a 50-year-old married male with both comprehensive and collision coverage and $100 policy deductibles.

But there is a high probability that you are not exactly 50 years old and possibly not even male, single instead of married, and there is a good chance that you need different coverage limits than the exampe. There is no “one size fits all” policy, so your best chance at finding the cheapest insurance price for your Nissan is to get into the habit of comparing rates once a year.

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The trim level of your vehicle tends to impact the coverage cost, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will be $218 cheaper than the insurance cost for the fancier Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in zip code location which can influence rates substantially.

North Dakota car insurance companies

Finding the right auto insurance company can be difficult considering how many companies there are to choose from in North Dakota. The company information in the next section can help you decide which coverage providers you want to consider when comparing rate quotes. The ratings below are only comprised of companies that insure vehicles nationwide, so companies without a large exposure are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Companies in North Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. AAA Insurance – 87%
7. Liberty Mutual – 87%
8. Farmers Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Major Auto Insurance Companies in North Dakota Ranked by Claims Service

1. Progressive
2. Liberty Mutual
3. Nationwide
4. USAA
5. GEICO
6. AAA Insurance
7. Safeco Insurance
8. Esurance
9. The General
10. Allstate

Top Companies for Nissan Altima Insurance in North Dakota

The information below illustrates how choosing a deductible can change yearly insurance costs when quoting cheap insurance for a Nissan Altima. The rates are based on a married male driver, full coverage, and no additional discounts are factored in.

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The chart above illustrates that a 50-year-old driver could lower rates by $286 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $430 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, could possibly save $960 every year just by using higher deductibles. If you do make the decision to raise your deductibles, it will be necessary to have spare funds to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Is State Farm, Allstate, Geico, or Progressive cheaper?

If you are shopping around for insurance for an Altima in North Dakota, some of the largest companies to start with are State Farm, Allstate, Geico, and Progressive. All of them offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that buyers can select from. The data below breaks down ratings for price, service, and claims, in additional to some of the optional coverages that may be available in North Dakota.

How to find more affordable auto insurance for a Nissan Altima

Below you’ll find a few thrifty ideas that can help North Dakota drivers find cheaper auto insurance.

• Improve your credit score
• Avoid getting tickets or violations
• Raise deductibles to save money
• Avoid having at-fault accidents
• Full coverage is expensive so only insure older vehicles for liability only
• Vehicles with safetly features generally cost less to insure
• Shop around once a year for cheaper rates

The last item on the list is notably significant, as was discussed in the prior information. Prices charged by companies in North Dakota fluctuate constantly, so don’t hesitate to buy from a new company if a better deal can be had. We understand brand loyalty, but is isn’t recommended if that dedication is costing hundreds of dollars a year. Now is a great time to compare prices and find cheaper auto insurance for a Nissan Altima.

Who has the cheapest Nissan Altima insurance quotes?

There are many ways to get cheap car insurance quotes in North Dakota, but the most frequently used are either through an independent agent, an exclusive agency like Allstate or State Farm, or from a direct company like Geico.

All three ways are similar, but it’s good to know the differences in how they give price quotes.

Independent agents are appointed by several companies and can get rate quotes from all of them. They are not limited to a single company and can give you a larger rate selection, which can give you improved odds of finding cheaper coverage. If they quote lower rates, they simply move your policy to a different company and you stay with the same agent.

An exclusive agent is contracted to just one company, two examples are a State Farm or Liberty Mutual agent. These agents are unable to give you multiple price quotes, which will not provide a complete price comparison.

Buying direct means you forego an exlusive or independent agent and instead shop buying direct from a company like Geico or Esurance. Buying car insurance direct may be good for people who do not have complex finances and understand what limits they need.

So which one of the three ways works best to buy the cheapest insurance for a Nissan Altima in North Dakota? Our initial answer would be buying direct saves money because you bypass the agent, but in reality, that argument does not hold true. And we’d like to say buying from an independent agent can save the most money because you have more choices, but again, that’s not a true statement. In many circumstances, the exclusive agents have price quotes that are the cheapest in North Dakota.

Due to the fact that car insurance rates vary so much, the only true way to get the cheapest rates is to do a thorough rate comparison. Put in the effort to get rate quotes from all three to have a good selection of rates to choose from. For a list of companies with some of the cheapest North Dakota car insurance rates, click here to view.