Who Has Cheap Insurance Quotes for a Nissan Altima in Texas?

The chances of finding the cheapest coverage for a Nissan Altima in Texas hinges on a calculation that uses factors like the safety rating of your vehicle, if you are currently insured, and the level of deductible you choose. Drivers on average pay around $1,130 each year for Altima insurance, but that figure is an approximation based on cost data for a 50-year-old single male driver who requires full coverage and $500 policy deductibles.

Chances are that rate is not what you would pay, because most likely you are not a 50-year-old male, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. Not everyone needs the same coverages, so the most reliable way to find the cheapest rates for your Nissan is to do your own rate comparisons.

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The specific trim level tends to have a direct impact on price, so the price you pay to insure a Altima 2.5 4-Dr Sedan will be $250 less than the insurance cost for the more costly Altima 3.5 SR 2-Dr Coupe version, as shown in the chart below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in your specific Texas location which can modify price quotes significantly.

Establishing which company quotes the cheapest car insurance rates for a Nissan Altima requires a little more effort in order to find the best policy.

Every insurance provider has their own guidelines for determining rates in each state, so let’s take a look at the most budget-friendly car insurance companies in Texas. It’s a good idea to know that Texas car insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Simply having another birthday, buying a home, or getting a reckless driving citation can trigger price changes resulting in some rates now being cheaper than competitors.

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Travelers has some of the most affordable car insurance rates in Texas at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the best Texas auto insurance companies.

As illustrated above, if you are insured with Germania Mutual and switched to Travelers, you might see a yearly savings of in the vicinity of $203. Policyholders with Esurance may save as much as $338 a year, and California Casualty insureds might cut rates by $383 a year.

If you want to see how much you could save, click here to get quotes or click through to the companies below.

It’s important to note that these estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Nissan Altima. So the insurer that can offer you the lowest price may not even be shown in the list of companies shown earlier. That points out the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

Get discounts on Texas insurance

Car insurance companies that offer cheap insurance for a Nissan Altima in Texas may also offer special discounts that could reduce prices by 30% or more if you are eligible. Companies and the discounts they provide include:

The diagram below visualizes the comparison of yearly insurance costs with and without discounts applied. The rate quotes are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, accident-free, vehicle safety, multiple policy, and defensive driving course discounts applied. In this example, the the amount saved on car insurance for a Nissan Altima is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4661,3349],[‘Age 30’, 2419,1753],[‘Age 40’, 2387,1729],[‘Age 50’, 2175,1573],[‘Age 60’, 2103,1521],[‘Age 70’, 2565,1847]]);var options = {title: ‘Effect of Discounts on Insurance Rates 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: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cautious drivers save money

The easiest method to score the most affordable car insurance rates in Texas for an Altima is to be a safe driver and not receive tickets or have accidents. The example below illustrates how speeding tickets and at-fault fender-benders can raise car insurance rates for different ages of insureds. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 4429,4827,5977],[‘Age 30’, 3057,3455,4609],[‘Age 40’, 2831,3231,4385],[‘Age 50’, 2477,2875,4025],[‘Age 60’, 2391,2793,3943],[‘Age 70’, 2793,3191,4343]]);var options = {title: ‘Effect of Tickets and Claims on Texas Nissan Altima Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Texas’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of an auto insurance policy in Texas per year with no violations or accidents is $2,996. Get written up for one speeding ticket and the average cost surges to $3,395, an increase of $399 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Altima increases to an average of $4,547. That’s an increase of $1,551, or $129 per month, just for being a careless driver!

Cheapest Nissan Altima insurance quotes

Thanks to the internet, there are a lot of ways to quote car insurance rates in Texas, but the most common are through an exclusive insurance agent such as State Farm or Auto-Owners, an independent or non-exclusive agent, or direct either online or via phone. You can use whichever you prefer, but each is slightly different in how they work.

Independent insurance agencies write for multiple companies and can get rate quotes from every one. These agents can quote rates with many companies, which may provide you with a better comparison. If a cheaper rate is found, your policy is moved internally without having to get a different agent.

An agent who is captive is limited to just one company, for example State Farm and Allstate agents. Exclusive agents cannot give you multiple price quotes, which does not give you the best rate comparison.

Buying direct means you forego the middleman (the agent) and instead shop direct online or over the phone from a company like Geico or Esurance. Buying direct may be good for people who do not need complex risk management and know more than average about how their policy works.

When shopping for car insurance, which way works best to buy cheap insurance for a Nissan Altima in Texas? We’d like to tell you buying direct yields the cheapest rates since there is no need to pay agent commissions, but that is not always the case. A valid argument could also be made that an independent agency saves the most money since they have more companies to choose from, but that is not necessarily true either. In the right set of circumstances, exclusive agents have very competitive rates that other companies cannot beat.

Because there are so many factors that make up car insurance rates, the best method to ensure you are not overpaying is to compare lots of quotes. To find the best rates, be sure to get quotes from all three to have the best rate selection. For a list of companies offering online discounts in Texas, click here to view.

How to find cheap insurance for a Nissan Altima in Texas

The list below shows some of the recommended penny-pinching solutions that can help Texas drivers buy lower-cost coverage.

• Maintaining good credit helps earn cheaper rates
• Increase the comprehensive and collision deductibles on your policy
• Be a cautious driver
• Get cheaper liability coverage by choosing a safer vehicle
• Prevent price hikes by avoiding at-fault accidents
• Compare prices as often as possible

That final tip is remarkably critical, as we emphasized in the prior information. Prices charged by car insurance companies change constantly, so drivers shouldn’t be resistant to change insurance companies if a cheaper price is available. Having brand loyalty is commendable, but we do not recommend it if that faithfulness ends up costing you big bucks every year. Spend a few minutes and compare prices and find cheaper auto insurance for a Nissan Altima.