How Much are Insurance Quotes for a Nissan Altima in Washington?

When the topic is auto insurance, the word “cheap” should not be used anywhere to describe car insurance rates. Regardless, cheap auto insurance for a Nissan Altima is pretty hard to find. Don’t get your dauber down, because we can show you some ways you can still get auto insurance that is more affordable than your current policy.

Your chances of buying affordable insurance for a Nissan Altima in Washington is contingent on a complex formula that factors things such as your marital status, your occupation, and if you have a clean driving record. Drivers in Washington pay on average $1,060 annually for Altima insurance, but that is an estimation that uses a 50-year-old single female driver that purchased full comprehensive and collision coverage and $100 physical damage deductibles.

There is a high probability that you aren’t exactly 50 years old or even a female, married instead of single, or maybe you just want liability only instead of full coverage. This illustrates why the only way to find cheap auto insurance rates for your Nissan is to do a thorough rate comparison.

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The specific model of Altima will likely have an effect on the coverage cost, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan model will be $246 less than the insurance cost for the fancier Altima 3.5 SR 2-Dr Coupe model, as shown below.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can impact coverage prices noticeably.

Finding good, budget auto insurance is tough enough, and finding out which insurers offer the lowest-priced car insurance rates for a Nissan Altima may require even more shopping around.

Each insurance company uses a slightly different approach to set premium rates, so first let’s look at the rankings for the lowest cost car insurance companies in Washington. We do need to point out that Washington car insurance rates are based on many factors that can increase the cost of your policy. This price variability is why consumers need to take the time to take the time to shop around when trying to get affordable insurance rates for a Nissan Altima. Prices are influenced by many factors and can increase or decrease at any time, so the most economical company two years ago may now be wasting a lot of money.

Cheap Insurance Rates for Your Altima

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Capital has some of the best car insurance rates in Washington at around $777 a year. Grange, Nationwide, PEMCO, and Travelers would also be considered some of the cheapest Washington auto insurance companies.

In the rate table above, if you currently have a policy with PEMCO and switched to Capital, you could realize an annual premium reduction of about $227. Insureds with Travelers may save as much as $251 a year, and Mutual Enumclaw customers might reduce prices by as much as $277 a year.

If you want to find out if you’re overpaying, click here to get quotes or feel free to get quotes from the companies below.

Remember that these estimates are averages across all types of insureds and vehicles and and are not calculated with a specific rating modification for a Nissan Altima. So the insurer that has the cheapest rates for you may not even be shown in the above rate chart. That affirms the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

Rate increases following a ticket or accident

The obvious way to receive low car insurance premiums for an Altima is to drive attentively and avoid at-fault accidents and violations. The information below demonstrates how speeding tickets and accidents can influence insurance costs for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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In the chart above, the average cost of car insurance in Washington per year with no violations or accidents is $1,798. Get written up for two speeding tickets and the average cost hikes up to $2,486, an increase of $688 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for a Nissan Altima increases to an average of $4,999. That’s an increase of $3,201, or $267 per month, just for being a careless driver!

The chart below illustrates how your deductible choice can impact insurance prices when quoting cheap insurance for a Nissan Altima. The data is based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3431,3131,2805,2499],[‘Age 30’, 2369,2153,1911,1679],[‘Age 40’, 2197,2001,1783,1573],[‘Age 50’, 1919,1749,1557,1375],[‘Age 60’, 1857,1693,1509,1333],[‘Age 70’, 2169,1979,1771,1579]]);var options = {title: ‘Impact of Deductibles on Nissan Altima Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could reduce rates by $362 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $544 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, have the ability to save as much as $932 or even more by selecting a higher deductible. When using a larger deductible, it is essential to have plenty of money set aside to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Allstate, Progressive, State Farm, and Geico compared

If you want reliable car insurance, the top insurers to get price quotes from are Allstate, Progressive, State Farm, and Geico. When combined, they make up over 48% of all car insurance policies written. They all have the same basic coverages, but each one has a different combination of discounts, features, and options that you can choose from. The following table ranks price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.