Who Has Cheap Insurance for a Nissan Altima in New Hampshire?

The likelihood of finding cheaper insurance for a Nissan Altima in New Hampshire is contingent on a complex calculation that is influenced by things like the number of years you have been driving, whether or not you have prior claims, and citations on your driving record. Drivers pay on average $790 every 12 months for Altima insurance, but that is an approximation based upon a 40-year-old single female driver who purchased full comprehensive and collision coverage and $500 policy deductibles.

It’s more than likely you may not be 40 years old (or even female), possibly married instead of single, and maybe you want higher deductibles. Changing even a minor factor in rating factors can lead to a big change in the policy rate.

This example demonstrates why the best method for finding the cheapest rates for your Nissan is to comparison shop your policy at every renewal or at least every couple of years.

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Your Nissan’s trim level will most likely have an effect on the cost of coverage, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan will be $172 cheaper than the cost to insure the high end Altima 3.5 SR 2-Dr Coupe version, as demonstrated by the prices below.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in specific New Hampshire garaging location which can alter insurance rates significantly.

Finding budget car insurance is challenging, and deciding which companies quote the cheapest insurance rates for a Nissan Altima may require even more work. Each auto insurance company has their own guidelines to determine rates, so let’s rank the lowest cost insurance companies in New Hampshire.

We do need to point out that New Hampshire insurance rates are determined by lots of factors that will increase or decrease the price of your policy. Improving your credit score, buying a home, or getting a DUI may generate price changes that can now make some companies more expensive than others.

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Concord normally has some of the best car insurance rates in New Hampshire at around $691 per year. Travelers, Patriot, USAA, and Vermont Mutual would also make the list of some of the cheapest New Hampshire car insurance companies.

As the rates illustrate above, if you currently have coverage with USAA and switched to Concord, you may see savings of upwards of $138. Customers with Vermont Mutual might save as much as $200 a year, and Amica policyholders might see rate reductions of $216 a year.

Bear in mind that those premium estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific rate value for a Nissan Altima. So the car insurance company that fits your age and vehicle best may not even be featured in the list above. That emphasizes why you need to get rate quotes using your own specific driver information and vehicle.

The chart below highlights how deductible choice can impact insurance prices when getting quotes for cheap insurance for a Nissan Altima. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.

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In the chart above, a 30-year-old driver could reduce rates by $340 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $510 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could lower their rates up to $1,012 or more by choosing a larger deductible amount. When raising deductibles, it is essential to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Best rates: Allstate, Progressive, State Farm, or Geico

When comparing insurance for an Altima in New Hampshire, the top insurers to get price quotes from are Allstate, Progressive, State Farm, and Geico. When added together, they make up about 50% of the entire U.S. car insurance market. The following table rates price and claims rank as well as some different options that are available from each company.

Who has the cheapest Nissan Altima insurance quotes?

There are many ways to compare cheaper insurance rates in New Hampshire, but the most popular methods are using a captive (or exclusive) agent like Allstate or Liberty Mutual, a non-exclusive or independent agent, or buying direct from a company like Geico or Progressive. You can use whichever method you prefer, but insurance buyers need to understand the differences in how they function.

Independent agents have contracts with multiple insurance companies and can provide price quotes from all of them. Agents of this type are not employed by one specific company and can quote rates with many companies, which can give you a better chance of finding cheaper coverage. If prices rise, they simply switch companies in-house which makes it easier to save money.

Exclusive agencies are able to place business with one company, two of the more popular are an Allstate or Liberty Mutual agent. They are unable to provide other companys’ prices, so you will not be able to compare multiple prices.

Buying from a direct company means do not use an independent or exclusive agent and buy buying direct from a company like Progressive or Geico. This option can be a good choice for people who have lower risk management needs and understand what coverage limits and deductibles they need.

So which way is best to buy cheap insurance for a Nissan Altima in New Hampshire? It would be premature to say buying from a direct company results in the cheapest rates because you bypass the agent, but in reality, that is not the case. A good argument could also be made that an independent agent guarantees the best prices due to having more companies to select from, but again, it’s not necessarily true. And occasionally, exclusive agencies have extremely competitive rates that are the cheapest.

Since insurance companies use so many rating factors, the only true way to make sure you’re not overpaying for insurance is to compare rate quotes from as many companies as possible. It’s a good idea to get prices from all three to give yourself plenty of rates to compare. A great place to start is our list of online companies offering discounts: click here to view.