How Much Does Insurance Cost for a Nissan Altima in Illinois?

The likelihood of finding the cheapest car insurance for a Nissan Altima in Illinois relies on a complex rating formula that takes into consideration things such as if you are single or married, your profession, and any prior driving offenses. Illinois drivers will pay on average $890 per year to buy insurance for a Nissan Altima, but that figure is a projection based upon a 40-year-old married male driver that has comprehensive and collision coverage and $100 policy deductibles.

There’s a good chance you’re not a 40-year-old male, possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Not every driver requires the same auto insurance coverages, so the most reliable method for finding cheap insurance prices for your Nissan is to make a habit of comparing prices at least once a year.

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The trim level of your vehicle tends to have a direct effect on the coverage cost, so the price to insure a Altima 2.5 4-Dr Sedan trim level will be $206 less than the cost to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe model, as demonstrated by the prices below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific Illinois garaging location which can revise rates greatly.

Establishing which company has the lowest-priced insurance rates for a Nissan Altima will involve more work in order to find the lowest price quote. Every insurance company has their own guidelines for setting rates, so let’s take a look at the lowest cost insurance companies in Illinois.

Lowest Insurance Price Quotes for Your Altima

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The Hartford offers some of the best car insurance rates in Illinois at around $769 a year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also qualify as some of the more affordable Illinois insurance companies.

In this example, if you are currently insured with Erie and switched to The Hartford, you may see an annual premium reduction of around $145. Insureds with Cincinnati Insurance may save as much as $146 a year, and Utica National insureds might realize rate reductions of up to $177 a year.

Bear in mind that those estimates are averaged for all drivers and vehicles in Illinois and do not factor in a specific rate factor for a Nissan Altima. So the insurer that fits your situation best may not even be in the chart above. That’s why you need to get car insurance quotes using your own specific driver information and vehicle.

How to get discounts on Illinois auto insurance

Auto insurance companies that provide cheap insurance for a Nissan Altima in Illinois could also offer policy discounts that may potentially lower prices by 35% or more if you meet specific criteria. A few popular companies and a partial list of their discounts can be read below.

The example below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no claims or driving violations, Illinois state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, claim-free, anti-theft, accident-free, passive restraint, and vehicle safety discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Nissan Altima is % or $.

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

If you want the best car insurance, four companies you’ll want quotes from are Geico, Progressive, Allstate, and State Farm. Combined they make up about 50% of all policies written in the United States. They all offer your standard coverages, but each one has different options that shoppers can select from. The table below compares ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.

How to find more affordable insurance for a Nissan Altima

The list below details some penny-pinching ideas that can help drivers locate lower-cost car insurance.

• Accidents can significantly increase rates
• Vehicles with good safety ratings have lower liability rates
• Higher credit scores may earn you cheaper rates
• Serious violations like DUI or reckless driving can increase rates dramatically
• Do not pay for full coverage on older vehicles
• Increase deductibles to save money
• Shop around for cheaper prices

That last idea is remarkably valuable, as we emphasized in the prior article. Car insurance prices vary considerably, so don’t be tentative to switch companies if a cheaper rate is available.

Sticking with a specific company is fine, but is isn’t recommended if that loyalty ends up costing a lot of money. It only takes a couple minutes to compare prices and find cheaper auto insurance for a Nissan Altima.

Who has the cheapest Nissan Altima insurance quotes?

Due to technology, there are many ways to find cheap insurance in Illinois, but the most preferred are through a non-exclusive or independent agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or from a direct company like Geico.

They all have the same basic principle, but they differ in how they give price quotes.

Independent agents are appointed by several companies and can get policy pricing from all of them. These types of agents are not required to write business for one company and can quote rates with many companies, which can give you the best chance of finding a lower price. If the agent locates a cheaper price, your agent can just switch to a different company and you stay with the same agent.

Exclusive agents are able to quote prices with just one company, two examples being State Farm and Auto-Owners agents. These guys and gals cannot quote rates from more than one company, so if the price isn’t competitive there isn’t much they can do.

When you buy insurance direct, you skip an exlusive or independent agent and instead shop buying direct from a company like Esurance or Progressive. Shopping direct may be the best choice people who do not need complex risk management and understand the limitations of insurance.

So which of those three methods works best to buy cheap insurance for a Nissan Altima in Illinois? We wish we could say buying direct results in the cheapest rates because there is no agent taking a commission, but unfortunately, it’s not that simple. An argument could also be made that an independent agency is the best way to go because you have more choices, but that assumption is also not necessarily accurate. In many cases, exclusive agencies have very competitive rates that are well below what direct and independents offer.

Because it’s impossible to say who has the best insurance rates, really the only way to find out which one is cheapest is to compare lots of quotes. If you have the time, get rate quotes from all three to get an idea of which is cheapest. For a list of companies with cheap rates in Illinois, click here to view.