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

When writing about car insurance, the words “cheap” or “affordable” should never be used anywhere in the article as a descriptor for car insurance rates. It’s a simple fact that cheap auto insurance for a Nissan Altima can be hard, if not impossible, to find. Don’t let that discourage you, because we can show you some ways you can still get car insurance that fits into your budget.

Your chances of finding the best cheap insurance for a Nissan Altima in Connecticut is contingent on a calculation that uses factors such as how old the Altima is, whether or not you have prior claims, and your motor vehicle report. Drivers in Connecticut will pay around $990 per year to insure a Nissan Altima, but that policy rate is based on rate data for a 30-year-old married male driver that includes full physical damage coverage and $500 physical damage deductibles.

When projecting a rate like this, the problem is that you may not be 30 years old (or even male), you might be single instead of married, or maybe you have a speeding ticket that needs to be factored in. What appears to be a small change in policy rating factors can cause large differences in rate quotes.

This example demonstrates why your best chance at finding the cheapest insurance price for your Nissan is to just take the time to do a thorough rate comparison.

Find Cheaper Nissan Altima Insurance

The specific trim level will be a contributing factor to price, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan model will be $220 cheaper than the cost to insure the higher-priced Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in your specific Connecticut location which can modify premium rates noticeably.

Insuring your vehicle with a high-quality company is hard considering how many choices there are in Connecticut. The ranking information in the lists below can help you pick which insurers to look at purchasing coverage from. The ratings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into this list.

The chart below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for a Nissan Altima. The price estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2825,2575,2287,2013],[‘Age 30’, 1989,1805,1595,1393],[‘Age 40’, 1961,1781,1579,1387],[‘Age 50’, 1713,1561,1385,1219],[‘Age 60’, 1639,1491,1321,1161],[‘Age 70’, 1759,1599,1425,1259]]);var options = {title: ‘Comparison of Deductible Levels and Nissan Altima Insurance Rates in Connecticut’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could pocket $382 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $574 by using a $1,000 deductible. Young drivers, like the 20-year-old, could save $812 each year just by choosing larger deductibles. If you do decide to increase your deductibles, it is necessary to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.

How to get discounts on Connecticut insurance rates

Insurers that sell cheap insurance for a Nissan Altima in Connecticut may provide discounts that could lower prices by as much as 30% if you qualify. The best car insurance companies and some of the discounts include:

• GEICO policyholders can earn discounts including multi-policy, multi-vehicle, military active duty, air bags, driver training, and federal employee.
• SAFECO has discounts for accident prevention training, multi-car, drive less, safe driver, anti-theft, teen safety rewards, and teen safe driver.
• State Farm offers discounts for driver’s education, accident-free, Steer Clear safe driver discount, good driver, multiple policy, Drive Safe & Save, and multiple autos.
• MetLife includes discounts for accident-free, good student, claim-free, defensive driver, multi-policy, good driver
• 21st Century offers discounts including teen driver, 55 and older, theft prevention, driver training, and student driver.
• Progressive may include discounts for online quote discount, multi-vehicle, multi-policy, homeowner, online signing, and good student.

The chart below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no accidents or driving violations, Connecticut state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, anti-theft, multiple vehicle, marriage, passive restraint, and safe-driver discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance for a Nissan Altima is 28% or $541.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2883,2073],[‘Age 30’, 1969,1423],[‘Age 40’, 1831,1323],[‘Age 50’, 1601,1159],[‘Age 60’, 1551,1123],[‘Age 70’, 1821,1311]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Nissan Altima’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Connecticut’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Company comparison: State Farm vs Allstate vs Progressive vs Geico

When comparing car insurance, some of the first companies to look at are State Farm, Allstate, Progressive, and Geico. The data below compares some of the different features that are available.