Cheapest Insurance for a Nissan Altima in Alaska

Our content editors always give us grief that when writing about car insurance, the word cheap should never appear anywhere in the article as a descriptor for auto insurance rates. It’s just a fact that cheap auto insurance for a Nissan Altima can seem impossible to find. But don’t let that discourage you, because there may be ways you can get car insurance that is considered budget-friendly.

Buying cheap auto insurance for a Nissan Altima in Alaska depends upon a lot of different factors like whether you are a new or experienced driver, your claims history, and violations on your driving record. Drivers pay on average $870 per year to insure their Altima, but that rate is a valuation that rates a 40-year-old married female that wants both comprehensive and collision coverage and $250 physical damage deductibles.

When making auto insurance estimates, the issue arises that you’re not a 40-year-old female, you might be single instead of married, and maybe you have sub-par credit that needs to be factored in. Using even a minor difference in policy rating factors can cause big differences in the price of a policy.

Each driver’s needs are different, and that demonstrates why your best chance at finding affordable rates for your Nissan is to put in the effort and compare rates.

Insure Your Nissan for Less

The trim level of your Altima will likely have an effect on the yearly cost, so the price to insure a Altima 2.5 4-Dr Sedan trim level will cost $196 less than the insurance cost for the higher-end Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in specific location information which can influence coverage rates greatly.

Finding out which companies quote the best insurance rates for a Nissan Altima will involve a bit more effort than just comparing a company or two. Each company has a proprietary method to set policy rates, so we will examine the insurance companies that tend to have lower prices in Alaska.

It’s important to know that Alaska insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply turning a year older, buying a different home, or getting a reckless driving citation may generate price changes that may make certain companies more affordable than the competition.

Find Cheaper Auto Insurance for Your Altima

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Umialik may offer some of the cheapest car insurance rates in Alaska at around $865 per year. USAA, State Farm, Progressive, and GEICO would also be considered some of the most economical Alaska insurance companies.

In the rate table above, if you currently have coverage with Progressive and switched to USAA, you might realize yearly savings of in the neighborhood of $284. Policyholders with GEICO may save as much as $966 a year, and Allstate insureds might reduce rates by $1,388 a year.

Bear in mind that those prices are averaged for all drivers and vehicles and and are not figured 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 included in the list of companies above. That helps illustrate why you need to get car insurance quotes using your own personal information and vehicle type.

Cost difference between full coverage and liability

Finding the cheapest insurance for a Nissan Altima in Alaska is probably important to most vehicle owners, and an easy way to buy cheap insurance is to buy liability only. The chart below illustrates the difference between insurance costs with full coverage compared to only the Alaska minimum liability coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

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On average, full coverage costs $2,033 per year over having just liability coverage. Lot’s of drivers question if buying full coverage is worth the expense. There is no set rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Get discount Alaska auto insurance rates

Car insurance companies that sell the cheapest insurance for a Nissan Altima in Alaska may also offer premium discounts that could reduce prices by as much as 30% if you meet specific eligibility requirements. Companies and a summarized list of policyholder discounts are included below.

• State Farm may have discounts that include anti-theft, good driver, passive restraint, multiple policy, multiple autos, and student away at school.
• Progressive includes discounts for good student, multi-vehicle, multi-policy, continuous coverage, online signing, and homeowner.
• Progressive may offer discounts for online signing, continuous coverage, multi-vehicle, multi-policy, good student, homeowner, and online quote discount.
• MetLife offers discounts including defensive driver, good student, accident-free, multi-policy, good driver, and claim-free.
• Farm Bureau has savings for driver training, multi-policy, safe driver, renewal discount, and youthful driver.
• GEICO may include discounts for driver training, good student, air bags, multi-vehicle, and military active duty.
• SAFECO offers premium reductions for teen safe driver, safe driver, accident prevention training, multi-car, anti-lock brakes, homeowner, and teen safety rewards.

The information below shows the difference between insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, Alaska state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, marriage, claim-free, multiple vehicle, safe-driver, and anti-theft discounts applied. When discounts are factored in, the the amount saved on insurance for a Nissan Altima is 28% or $573.

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Who has the cheapest Nissan Altima insurance quotes?

Thanks to the internet, there are a lot of ways to purchase insurance in Alaska, but the most common methods are through an exclusive insurance agent such as Allstate or Liberty Mutual, an independent agent, or direct from companies such as Geico or Progressive.

Each way is similar, but insurance shoppers should know the differences in how they give price quotes.

Independent agencies write for multiple companies and can quote your policy with every one. Agents of this type are usually affiliated with several companies and can quote rates with many companies, which may give you improved chances of finding a lower rate. If premiums increase, your agent can switch companies which requires no work on your part.

An agent who is captive is able to place business with a single company, two examples being Allstate or Farmers Insurance agents. Exclusive agents generally are unable to place coverage with different providers, which necessitates shopping around.

Buying insurance direct means you bypass local agents and instead shop from a direct company like Geico. Buying direct may be the best choice consumers who do not need high amounts of coverage and have a good understanding of what limits they need.

What is the best method to find the cheapest insurance for a Nissan Altima in Alaska? We’d like to tell you buying from a direct car insurance company results in the cheapest price since there isn’t an agent involved, but that is generally not the case. We’d also like to say buying insurance from an independent agent results in the best rates since they can provide multiple quotes, but again, it’s not a sure thing. In a lot of cases, exclusive agencies may have prices that are well below what direct and independents offer.

Since insurance rates vary so much, the only real way to ensure you are not overpaying is to do a thorough rate comparison. Smart shoppers will get price quotes all three ways to have the best selection of rates to choose from. For a list of companies offering online discounts, click here to view.

Find the cheapest insurance for a Nissan Altima in Alaska

Below you’ll find many money-saving solutions that can help Alaska drivers find more affordable car insurance.

• Safer vehicles cost less to insure
• Home or renters coverage can save on auto insurance
• Don’t waste money on full coverage for older vehicles
• Increase physical damage deductibles
• Increase your credit score
• Avoid price increases by not filing claims
• Compare price quotes at least once a year

The last item on the list is remarkably critical, as was affirmed in the article above. Rates can be changed at any time, so don’t be tentative to switch companies if a cheaper rate is available. Having a favorite company is great, but it’s not a good idea if that loyalty ends up costing a considerable chunk of change every month. Now is a great time to compare rates to find cheaper car insurance for a Nissan Altima.