Who Has the Cheapest Insurance for a Nissan Altima in Massachusetts?

Our editors have a joke that when writing about car insurance, the words cheap or affordable should never be used as a descriptor for auto insurance rates. The fact is, cheap car insurance for a Nissan Altima is almost non-existent. But don’t despair, because we will tell you how you can still get car insurance that is cheaper than what you are paying now.

Your chances of buying cheaper auto insurance for a Nissan Altima in Massachusetts depends on many rating criteria like driver age, if you have a tendancy to file claims, and if you have a clean driving record. Massachusetts drivers on average will pay $920 annually for Altima insurance, but that rate is an estimation based on a 40-year-old married male driver that purchased full coverage and $500 policy deductibles.

There’s a high likelihood you are not exactly 40 years old and possibly not even male, you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Each driver has unique rating factors, so the way we recommend to find the cheapest coverage for your Nissan is to shop your policy around every couple of years. Quotes are free and easy and you will receive rate quotes from the cheapest companies that sell coverage in Massachusetts.

Cheapest Nissan Altima Insurance Rates

Your vehicle’s trim level will most likely have an effect on the cost of insurance, so the price you will pay to insure a Altima 2.5 4-Dr Sedan will be $202 less expensive the price to insure the high end Altima 3.5 SR 2-Dr Coupe version, as shown in the prices below.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can influence coverage prices greatly.

Determining which company has the cheapest auto insurance rates for a Nissan Altima takes more work than just comparing rates from one or two companies. Every insurance company has their own process to establish rates, so let’s take a look at the auto insurance companies with the overall best prices in Massachusetts.

It’s important that you understand Massachusetts auto insurance rates are determined by lots of factors that control your annual premium. Turning one year older, getting married, or having an accident may generate price changes that can cause some rates to be cheaper than competitors.

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State Farm generally has some of the most affordable car insurance rates in Massachusetts at around $733 a year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group would also be considered some of the most economical Massachusetts auto insurance companies.

As depicted above, if you buy coverage from Commerce Group and switched to National Grange Mutual, you might achieve savings of in the neighborhood of $77. Customers with Arbella might save as much as $203 a year, and Progressive policyholders might reduce prices by as much as $222 a year.

It’s important to note that these rates are averaged across all insureds and vehicles and and are not figured with a specific rate value for a Nissan Altima. So the car insurance company that can offer you the best rate may not even be included in the rate chart shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Types of discounts on Massachusetts auto insurance

Auto insurance companies that provide the cheapest insurance for a Nissan Altima in Massachusetts may have rate discounts that can lower rates by as much as 35% or more if you meet the requirements. Larger auto insurance companies and their offered discounts are detailed below.

• Progressive has discounts for online quote discount, homeowner, continuous coverage, good student, and online signing.
• AAA has savings for anti-theft, multi-car, good student, pay-in-full, education and occupation, multi-policy, and AAA membership discount.
• Farmers Insurance may offer discounts for youthful driver, business and professional, alternative fuel, pay in full, electronic funds transfer, homeowner, and distant student.
• GEICO policyholders can earn discounts including daytime running lights, air bags, military active duty, seat belt use, emergency military deployment, and defensive driver.
• Esurance discounts include paid-in-full, renters, online shopper, safety device, and homeowner.
• SAFECO may have discounts that include anti-lock brakes, drive less, homeowner, anti-theft, teen safe driver, accident prevention training, and multi-car.
• State Farm includes discounts for good student, Drive Safe & Save, multiple autos, safe vehicle, anti-theft, and good driver.

The chart below visualizes the comparison of insurance prices with and without discounts. Data assumes a female driver, no violations or accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, passive restraint, defensive driving course, safe-driver, multiple vehicle, and claim-free discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a Nissan Altima is 28% or $465.

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Comparison of full coverage and liability-only policies

Finding the cheapest insurance for a Nissan Altima in Massachusetts is the goal of the majority of people, and one easy way to find cheaper insurance is to not pay for full coverage. The information below shows the comparison of insurance rates with and without physical damage coverage. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no other discounts are factored in.

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If we average the cost for all age groups, physical damage coverage on your policy costs an extra $2,253 per year over and above liability only. That is a big expense that brings up the question if buying full coverage is worth the expense. There is no clear-cut rule to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

Who has the cheapest Nissan Altima insurance quotes?

Consumers have many ways to compare auto insurance prices in Massachusetts, but the most popular are through an exclusive insurance agent such as Allstate or State Farm, a non-exclusive or independent agent, or direct from companies such as Progressive or Geico. Each way has the same basic process, but it’s important to point out the distinctions in how they function.

Independent agents can place your business with multiple companies and can get rate quotes from every one. Agents of this type are not required to write business for one company and can give you a larger rate selection, which may provide you with more bang for your buck. If cheaper coverage is found, your policy is moved internally which requires no work on your part.

A captive or exclusive agent is restricted to quoting rates for one insurance company, two examples are Allstate or State Farm agents. Exclusive agents are unable to provide other companys’ prices, so they have to upsell other benefits.

Buying direct means you forego the middleman (the agent) and instead buy from a direct company like Esurance. Buying direct may be preferred by people who do not have a complex risk profile and have an above average understanding of what auto insurance covers and what it doesn’t.

So comparing independent agents, exclusive agents, and direct, which one works best to find the cheapest insurance for a Nissan Altima in Massachusetts? Most people assume that buying from a direct car insurance company results in the cheapest price since there is no middleman, but unfortunately, it’s not that cut and dried. We’d also like to say going through an independent agent saves the most money due to increased selection, but again, it’s not necessarily true. And often times, the exclusive agents have extremely competitive rates that are the cheapest.

Due to that fact that auto insurance uses so many rating variables, really the best method to buy the cheapest policy is to obtain price quotes and compare them. If time allows, get rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. For a list of companies with online discounts, click here to view.

How to find more affordable auto insurance for a Nissan Altima

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help Massachusetts drivers locate more affordable auto insurance.

• Avoid preventable accidents
• Do not pay for comprehensive and collision coverage on older vehicles
• Good credit can help you save money
• Bundle home or renters insurance to earn a discount on car insurance
• Buy vehicles with good safety ratings
• Check for cheaper rates once a year

That last idea is particularly valuable, as we discussed in this piece. Prices in Massachusetts fluctuate considerably, so drivers shouldn’t be resistant to change to a new company if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that devotedness results in you overpaying lots of money. In less than five minutes you could compare prices to find cheaper auto insurance for a Nissan Altima.

Which major car insurance company is best?

If you are shopping around for insurance for an Altima, four companies to consider are Progressive, Geico, Allstate, and State Farm. The data below rates price and claims rank as well as some different options you can expect with each one.