Best Cheap Insurance Quotes for a Nissan Altima in Alabama

Our content editors always give us grief that when writing about car insurance, the words “affordable” or “cheap” should never appear anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Nissan Altima does not exist. Don’t let that get you down, though, because we are going to show you how you can find coverage that is cheaper than your current policy.

Your chances of finding cheap car insurance for a Nissan Altima in Alabama relies on a lot of rating factors such as your vehicle’s safety rating, your current insurance company, and any prior driving citations you have received. Alabama drivers pay around $1,500 annually to buy Nissan Altima insurance, but that cost is an estimation that uses rate data for a 30-year-old single female driver who purchased full comprehensive and collision coverage and $100 physical damage deductibles.

There is a high probability that you aren’t exactly 30 years old or even a female, married instead of single, or maybe your Altima doesn’t need comprehensive and collision coverage. Everone’s needs are different, and this illustrates why the most reliable method for finding cheap auto insurance rates for your Nissan is to make a habit of regularly comparing rates from other companies. Rate quotes are easy and you will be able to compare rates from the best auto insurance companies in Alabama.

Find Cheaper Nissan Altima Insurance

The specific model of Altima has an effect on the cost of insurance, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will be $352 cheaper than the cost to insure the higher-priced Altima 3.5 SR 2-Dr Coupe version, as demonstrated by the prices below.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in your specific Alabama location which can increase or decrease coverage prices considerably.

Ending up with the right insurance provider can be a challenge considering how many companies sell coverage in Alabama. The company information shown next may help you select which insurers to look at comparing price quotes from. The ratings below are only made up of major nationwide insurance companies, so companies without a large exposure are not factored into these rankings.

Top 10 Large Car Insurance Companies in Alabama Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Large Car Insurance Companies in Alabama Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top Companies for Nissan Altima Insurance in Alabama

The information below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance for a Nissan Altima. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

In the chart above, a 40-year-old driver could lower their policy premium by $276 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $416 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could shave up to $682 annually by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough savings set aside to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

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

If you want the best auto insurance, the first places to look would be Allstate, Geico, State Farm, and Progressive. When added together, they make up about 50% of the car insurance market in the United States. All of them have unique options and discounts that drivers can select from. The table below compares and contrasts some of the different options and features offered by each one.

How to get the best cheap insurance for a Nissan Altima in Alabama

The list below details some money-saving ideas that can help drivers buy cheap auto insurance.

• Serious violations like DUI or reckless driving can increase rates dramatically
• At-fault accidents will increase rates
• Buying your home and auto policies from the same company can earn a discount
• Increase your credit rating
• Pay for smaller claims out-of-pocket
• Raise physical damage deductibles
• Shop around for cheaper prices

The last tip in the list is extremely important, as was noted in the prior article. Car insurance prices can change considerably based on profitability, so drivers shouldn’t be reluctant to change to a new company if you find a better deal. Sticking with a specific company is fine, but it isn’t a good idea if that devotedness results in you overpaying thousands of dollars over the life of your policy. Take a couple minutes and compare rates and find cheaper auto insurance for a Nissan Altima.