Cheapest Insurance for a Nissan Altima in Oregon

Our editors keep telling us that when writing about car insurance, the words “affordable” or “cheap” should not appear anywhere to describe car insurance rates. It’s just a fact that cheap car insurance for a Nissan Altima is almost non-existent. But don’t despair, because there may be ways you can get car insurance that is affordable.

Buying the best cheap car insurance for a Nissan Altima in Oregon is dependent upon a lot of rating factors like driver age, the condition of your credit, and any past driving violations you may have had. Drivers will pay around $790 per year for Altima insurance, but that price is rating a 30-year-old married male driver who needs full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

There is a really good chance that you aren’t exactly 30 years old or even a male, you might be single instead of married, or you need different physical damage deductibles. Each driver’s needs are different, and that demonstrates why the best way to quote cheap insurance prices for your Nissan is to take your time and compare rates from as many companies as possible.

Find Cheaper Nissan Altima Insurance

Vehicle trim level has an effect on the insurance rate, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $172 less than the insurance cost for the higher-priced Altima 3.5 SR 2-Dr Coupe version, as shown below.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in Oregon location which can increase or decrease premium rates greatly.

Finding the right auto insurance company can be a challenge considering how many companies are available to choose from in Oregon. The ranking data in the lists below can help you decide which insurers you want to consider comparing price quotes from.

The ratings below are only made up of companies with a nationwide focus, so smaller regional companies will not be included in the list. To get rate quotes from these and other companies in Oregon, simply click here.

Discounts on the cheapest insurance for a Nissan Altima in Oregon

Insurance providers that offer coverage for a Nissan Altima may also provide premium discounts that can reduce rates by as much as 35% or more if you meet specific criteria. Large insurance companies and the discounts they provide are shown below.

• GEICO offers discounts for military active duty, defensive driver, membership and employees, anti-lock brakes, air bags, emergency military deployment, and federal employee.
• Travelers may have discounts that include good student, new car, student away at school, continuous insurance, payment discounts, hybrid/electric vehicle, and early quote.
• Farm Bureau includes discounts for good student, multi-vehicle, multi-policy, safe driver, 55 and retired, and driver training.
• Liberty Mutual discounts include new graduate, teen driver discount, exclusive group savings, multi-policy, new move discount, and multi-car.
• American Family has savings for air bags, bundled insurance, early bird, TimeAway discount, and defensive driver.
• Progressive policyholders can earn discounts including homeowner, online quote discount, online signing, good student, continuous coverage, and multi-policy.

The illustration below shows the comparison of insurance prices with and without discounts being applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, marriage, safe-driver, defensive driving course, vehicle safety, and multiple policy discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Nissan Altima is 28% or $551.

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How to get the cheapest insurance for a Nissan Altima in Oregon

The list below details some of the better money-saving ideas that can help drivers buy more affordable coverage.

• Being accident-free can lower rates significantly
• Do not get tickets or violations
• Drop full coverage on older vehicles
• Raise your deductibles
• Try to remain claim-free
• Compare rates regularly to ensure the best deal

That last tip is incredibly vital, as was stressed in this article. Coverage prices in Oregon can be adjusted at any time, so don’t be unwilling to buy from a different company if you can save money.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you potentially thousands of dollars a year. In just a couple of minutes you could shop around and find cheaper car insurance for a Nissan Altima.

Cheap Nissan Altima insurance quotes

Due to technology, there are many ways to find lower-cost insurance in Oregon, but the three most common ways are from an exclusive agency like Liberty Mutual or Allstate, an independent agent, or direct from companies such as Progressive or Geico.

You can use whichever you prefer, but shoppers should understand the differences in how they provide price quotes.

Independent agents write for multiple companies and can compare rates with all of them. These types of agencies are appointed with more than one company and can provide multiple price quotes, which may provide you with a better overall rate comparison. If your agent finds a cheaper company, your policy can be easily switched to a different company which requires no work on your part.

Exclusive agencies are only able to write with one insurance company, for example State Farm and Allstate agents. They usually cannot provide prices from multiple companies, so if the price isn’t competitive there isn’t much they can do.

Buying direct means you skip local insurance agents and instead shop direct either online or via phone. Shopping for insurance direct may be the best choice drivers who do not have a need for a risk management assessment and know how insurance works.

Which way is best to find the cheapest insurance for a Nissan Altima in Oregon? It would be simple to say shopping direct results in the cheapest price because you bypass the middleman, but that does not always hold true. We could also assume that an independent agency results in the best rates since they have more companies to choose from, but that is not necessarily true either. And sometimes, exclusive agents may have very competitive prices that cannot be beaten by either independent or direct companies.

Since insurance prices vary so much, the one way to ensure you are not overpaying for insurance is to get as many comparison quotes as possible. It’s a good idea to get price quotes from all three to have the best rate selection. For a list of insurance companies with low rates, click here to view.