How Much Does Insurance Cost for a Nissan Altima in West Virginia?

Your odds of finding the best cheap coverage for a Nissan Altima in West Virginia depends upon a complex calculation that is influenced by things like how far you drive to work, your credit rating, and the level of deductible you choose. West Virginia drivers will pay around $1,490 annually to insure a Nissan Altima, but that is a projection rating a 30-year-old single female driver that included full physical damage coverage and $250 deductibles.

There is a really good chance that you may not be 30 years old (or even female), possibly married instead of single, and maybe your Altima just needs liability-only coverage. Even a slight difference in policy rating criteria or coverages can cause large differences in price quotes.

Not every driver requires the same auto insurance coverages, so your best chance at finding affordable rates for your Nissan is to compare rates from as many companies as possible.

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The specific model of Altima tends to have a direct impact on the insurance rate, so the price you pay to insure a Altima 2.5 4-Dr Sedan will cost $338 less than the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe trim level, as demonstrated by the prices below.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in West Virginia location which can alter auto insurance rates significantly.

How to find a good West Virginia car insurance company

Picking the highest-rated insurer can be rather challenging considering how many choices drivers have in West Virginia. The ranking data below may help you choose which coverage providers to look at when shopping around. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for this list.

Top 10 Large Auto Insurers in West Virginia Ranked by Value

1. American Family
2. AAA Insurance
3. Safeco Insurance
4. Progressive
5. The Hartford
6. Erie Insurance
7. 21st Century
8. Titan Insurance
9. Esurance
10. The General

Top 10 Large Auto Insurers in West Virginia Ranked by A.M. Best Rating

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

Top Companies for Nissan Altima Insurance in West Virginia

The example below demonstrates how deductible levels can raise or lower premium costs when trying to find cheap insurance for a Nissan Altima. Data assumes a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

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The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $422 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $636 by selecting a $1,000 deductible. Young drivers, such as the Age 20 example, can save up to $1,392 annually by choosing larger deductibles on their policy.

When choosing a higher deductible, it is important to have emergency funds available to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Does State Farm, Progressive, Allstate, or Geico have the cheapest car insurance?

If you’re looking for the best insurance for an Altima, four of the best places to start are State Farm, Progressive, Allstate, and Geico. Combined they insure about half of all car insurance policies in America. The table below points out ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.

Find cheap insurance for a Nissan Altima in West Virginia

Here are some of the recommended money-saving ideas that can help you find low-cost coverage.

• Higher comprehensive and collision coverage deductibles will save money
• Try paying for small claims out-of-pocket
• Pay cheaper rates with good credit scores
• Buy a safer vehicle
• Save money by insuring your home and auto with the same company
• Drop full coverage on older vehicles
• Keep rates low by shopping around frequently

The last suggestion is especially necessary, as was discussed in this write-up. Prices charged by car insurance companies can change considerably based on profitability, so you should be ready to buy from a different company if a cheaper price is available.

Sticking with a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you a considerable chunk of change every month. Now is a great time to compare rates to find cheaper car insurance for a Nissan Altima.

Best cheap Nissan Altima insurance quotes

Thanks to technology, there are a lot of ways to find cheaper car insurance in West Virginia, but the most popular methods are from an independent or non-exclusive agent, a captive (or exclusive) agent such as State Farm or Liberty Mutual, or buying direct from a company like Progressive or Geico. They all have the same basic principle, but car insurance buyers need to understand the differences in how they function.

Independent insurance agents work with multiple companies and can get rate quotes from all of them. They have the freedom to provide multiple price quotes, which may give you a better chance of finding cheaper coverage. If a cheaper price is found, they can switch companies in-house and you can keep the same agent.

An exclusive ageny is ‘exlusive’ to a single company, two examples are Allstate or State Farm agents. Exclusive agents generally are unable to shop your coverage around, so it’s a good idea to shop around.

Buying from a direct company means forego an agent and instead buy buying direct from a company like Geico or Esurance. This car insurance option may be the best choice people who have an average risk profile and have some degree of understanding of what is covered and what is not.

Which method works best for finding cheap insurance for a Nissan Altima in West Virginia? It would be easy to say buying direct saves money since that prevents the need to pay agent commissions, but that is generally not the case. We could also say that buying from an independent agent results in the cheapest rates because you have more choices, but that is not necessarily true either. For the right applicant, exclusive agencies have really good rates that are well below what direct and independents offer.

Because there is so much variation in car insurance prices, the one way to buy the cheapest policy is to get quotes and compare the rates. Set aside the time to get price quotes from all three to get a good idea who is cheapest. For a list of companies offering online discounts in West Virginia, click here to view.