Cheap Insurance Quotes for a Nissan Altima in Idaho

We always joke that when we write about car insurance, the word “cheap” should never be used as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap car insurance for a Nissan Altima can be extremely hard to find. But don’t despair, because we will tell you how you can still find car insurance that is more budget-friendly.

Your chances of buying cheaper insurance for a Nissan Altima in Idaho relies on a complex formula that factors things like how far you commute, if you have maintained coverage continuously, and the deductible amount you use. Drivers pay on average $890 annually to insure a Nissan Altima, but that policy rate is a projection that uses a 40-year-old single female who needs comprehensive and collision coverage and $250 physical damage deductibles.

There is a very good chance that you are not 40 years old and maybe not even female, you might be married instead of single, or maybe you live in a different area as the quoted rates. Different coverage needs are the reason why the best way to find the cheapest rates for your Nissan is to do a thorough rate comparison. It only takes a couple of minutes and you will be able to compare rates from some of the best companies that offer coverage in Idaho.

Cheapest Nissan Altima Insurance Rates

The specific trim level tends to impact price, so the rate you pay to insure a Altima 2.5 4-Dr Sedan trim level will cost $198 less than the insurance cost for the higher-priced Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Idaho minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in garaging location in Idaho which can revise auto insurance rates considerably.

Buying coverage from the top car insurance provider is difficult considering how many choices there are in Idaho. The company ratings shown below can help you choose which auto insurers to look at shopping your coverage with.

These ratings are for major nationwide insurance companies, so companies that have a smaller presence will not be included in the list. To get rate quotes from these and other competitive companies, simply click here.

How violations and accidents impact rates

In a perfect world, the best way to snag good auto insurance prices in Idaho for an Altima is to drive safely and avoid accidents and traffic citations. The chart below shows how speeding tickets and at-fault claims can affect yearly insurance costs for each age group. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

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In the example above, the average cost of an auto insurance policy per year with no accidents or violations is $1,285. Get one speeding ticket and the average cost increases to $1,459, an increase of $173 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Altima jumps again to an average of $3,074. That’s an increase of $1,788, or $149 per month, just for not being more responsible behind the wheel!

Types of discounts on Idaho auto insurance

Auto insurance companies that sell cheap insurance for a Nissan Altima in Idaho may also give you premium discounts that could potentially reduce rates by as much as 40% or more if you qualify. Popular auto insurance companies and some of their more popular discounts are detailed below.

• State Farm discounts include Drive Safe & Save, defensive driving training, multiple autos, student away at school, safe vehicle, passive restraint, and accident-free.
• GEICO has discounts for five-year accident-free, seat belt use, anti-theft, air bags, and good student.
• SAFECO includes discounts for multi-car, teen safety rewards, anti-lock brakes, teen safe driver, and safe driver.
• Farmers Insurance offers premium reductions for youthful driver, pay in full, multi-car, early shopping, teen driver, and alternative fuel.
• AAA may include discounts for good driver, multi-policy, good student, anti-theft, education and occupation, multi-car, and AAA membership discount.
• USAA has savings for family discount, vehicle storage, loyalty savings, multi-vehicle, defensive driver, driver training, and good student.

The information below illustrates the difference between premium costs with and without discounts applied. The costs are based on a female driver, no tickets, no at-fault accidents, Idaho state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, marriage, homeowner, multiple policy, accident-free, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Nissan Altima is 28% or $312.

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Allstate, State Farm, Geico, or Progressive: Which is best?

When comparing insurance for an Altima, some of the first companies to look at are Allstate, State Farm, Geico, and Progressive. All four offer physical damage and liability coverage, but each has unique coverages that add value to each policy. The following table illustrates pricing and service ratings, plus some optional coverages that are available from each company.