Cheap Insurance for a Nissan Altima in Pennsylvania

The likelihood of finding the best cheap car insurance for a Nissan Altima in Pennsylvania is dependent upon a complex calculation that is influenced by things like your vehicle’s safety rating, if you have ever had a gap in coverage, and your policy deductibles. Drivers pay on average $1,340 each year to insure a Nissan Altima, but that rate is an estimation using rate data for a 30-year-old single male driver that purchased both comprehensive and collision coverage and $100 deductibles.

There is a high likelihood that you may not be 30 years old (or even male), married instead of single, or maybe you want different physical damage deductibles. What appears to be a small change in policy rating variables can lead to a significant difference in price quotes.

The different assumptions illustrate why the best way to quote cheap car insurance rates for your Nissan is to do a thorough rate comparison.

Cheapest Nissan Altima Insurance Rates

The trim level of your vehicle will be a contributing factor to the coverage cost, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan trim level will be $298 less than the cost to insure the high end Altima 3.5 SR 2-Dr Coupe version, as shown in the prices below.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific zip code location which can revise prices greatly.

Selecting the right car insurance provider is difficult considering how many choices there are in Pennsylvania. The company rank data in the lists below can help you decide which auto insurance companies to look at putting your business with. These rankings are for large insurance companies, so companies that only write business in Pennsylvania or surrounding areas are not included in these rankings.

Top 10 Large Auto Insurance Providers Overall in Pennsylvania

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top Companies for Nissan Altima Insurance in Pennsylvania

Full coverage versus liability-only in Pennsylvania

Finding cheap insurance for a Nissan Altima in Pennsylvania is probably important to the majority of people, and a good way to pay less for insurance is to not buy full coverage. The illustration below illustrates the difference between insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

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If averaged out across all ages, physical damage insurance costs an additional $1,985 per year more than carrying just liability coverage. That proposes the question if full coverage is worth the money. There isn’t a written rule for eliminating physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your vehicle’s book value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $9,000 after paying your deductible. If it’s costing you more than $900 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

Progressive, Geico, Allstate, and State Farm compared

If you are shopping around for insurance for an Altima in Pennsylvania, four companies you’ll want quotes from are Progressive, Geico, Allstate, and State Farm. When added together, they make up almost 50% of all auto insurance written. They all have the same basic coverages, but each one has a different combination of discounts, features, and options that shoppers can choose from. The next table illustrates ratings for price and service, as well as some optional coverages offered by each company.

Cheap Nissan Altima insurance quotes

There are quite a few ways to compare cheaper auto insurance rates in Pennsylvania, but the most preferred ways are from an exlusive agent like Liberty Mutual or State Farm, an independent agent, or direct either online or via phone. They all have the same basic principle, but each is slightly different in how they price policies.

Independent agents are appointed by several companies and can do rate comparisons with each one. These types of agents have the freedom to give you more rates, which can give you a better overall rate comparison. If they find a cheaper price, the business is moved internally which prevents you from having to switch agents.

A captive, or exclusive, agent is usually restricted to a single company such as Allstate or State Farm agents. They usually cannot provide prices from multiple companies, so you will not be able to compare their rates to other companies.

Direct auto insurance buyers do not use an independent or exclusive agent and instead shop direct online or over the phone from a company like Esurance or Geico. This auto insurance option is a good choice for families who do not need risk management and have a decent understanding of what auto insurance covers and what it doesn’t.

So which of those three methods works best for finding cheap insurance for a Nissan Altima in Pennsylvania? The quick answer would be shopping direct saves money since there isn’t an agent involved, but that does not always hold true. We’d also like to say going through an independent agent is the best way to save because you have more choices, but again, that’s not a true statement. In the right set of circumstances, exclusive agents have extremely competitive rates that are well below what direct and independents offer.

Due to the large number of rating factors, the one way to buy the cheapest policy is to get quotes and compare the rates. If time allows, get prices from all three to get a good idea who is cheapest. A great place to start is our list of online companies offering discounts: click here to view.

Find cheap insurance for a Nissan Altima in Pennsylvania

The list below shows a few money-saving ideas that can help Pennsylvania drivers find more affordable car insurance.

• Maintain a safe distance and avoid accidents
• Pay cheaper rates with good credit scores
• Raise deductibles
• Buy vehicles with good safety ratings
• Avoid getting citations and tickets
• Compare rate quotes often

That last piece of advice is highly critical, as we discussed in the prior information. Car insurance prices in Pennsylvania vary greatly, so don’t hesitate to switch to a new company if a lower price can be found.

Sticking with a specific company is fine, but it’s not a good idea if that dedication is costing hundreds of dollars a year. It takes less than five minutes to compare prices and find cheaper auto insurance for a Nissan Altima.