Truthfully, the best way to find affordable Nissan Altima insurance is to do a yearly price comparison from different companies in Henderson. This can be done by following these steps.
- Try to understand how car insurance works and the changes you can make to prevent rate increases. Many risk factors that cause rate increases such as your driving record and a negative credit history can be rectified by being financially responsible and driving safely.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple companies. View prices
- Compare the new quotes to your existing rates and determine if cheaper Altima coverage is available in Henderson. If you can save some money, make sure there is no coverage gap between policies.
The key thing to remember is to compare identical coverage information on every price quote and and to get rates from as many different companies as possible. This enables an accurate price comparison and a better comparison of the market.
It’s an obvious statement that car insurance companies want to keep you from shopping around. Insureds who shop around once a year are very likely to move their business because there is a great chance of finding a cheaper policy. Remarkably, a study showed that drivers who compared rates regularly saved on average $850 each year compared to people who never compared other company’s rates.
If finding the cheapest rates on Nissan Altima insurance in Henderson is your intention, knowing the best way to compare insurance coverage can make it simple to find affordable coverage.
Shop Nissan Altima insurance online
When comparison shopping, more quotes will improve the odds of getting the best price. Some regional insurers cannot provide Henderson Altima insurance quotes online, so it’s important to also get prices on coverage from those companies, too.
The companies shown below have been selected to offer quotes in Henderson, NV. If multiple companies are listed, it’s a good idea that you visit two to three different companies to find the cheapest car insurance rates.
Rates and other information
The rate table shown below covers detailed analysis of insurance policy prices for Nissan Altima models. Having a better understanding of how insurance policy rates are determined can help guide drivers when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $186 | $342 | $296 | $18 | $88 | $930 | $78 |
| Altima 2.5 S 4-Dr Sedan | $186 | $402 | $296 | $18 | $88 | $990 | $83 |
| Altima Hybrid 4-Dr Sedan | $210 | $402 | $296 | $18 | $88 | $1,014 | $85 |
| Altima 2.5 S 2-Dr Coupe | $210 | $402 | $334 | $20 | $100 | $1,066 | $89 |
| Altima 3.5 SR 4-Dr Sedan | $210 | $402 | $296 | $18 | $88 | $1,014 | $85 |
| Altima 3.5 SR 2-Dr Coupe | $210 | $462 | $334 | $20 | $100 | $1,126 | $94 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific Henderson garaging location which can raise or lower auto insurance rates considerably.
The example below illustrates how your deductible choice and can impact Nissan Altima annual premium costs for each different age group. The prices are based on a single female driver, full coverage, and no discounts are applied to the premium.
Annual premiums for males versus females
The information below illustrates the difference between Nissan Altima auto insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Auto insurance is not optional in Nevada
Even though it can be expensive, insuring your vehicle is mandatory in Nevada but it also protects more than you think.
- The majority of states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance coverage if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan Altima has a lienholder, almost every bank will require that you have comprehensive coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Nissan at a more expensive rate and make you pay for it.
- Insurance safeguards both your Nissan and your assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is overpaying over $855 a year so you should quote rates once a year at a minimum to be sure current rates are still competitive.
Auto insurance coverage considerations
Understanding the coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.
Coverage for liability – This coverage will cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 15/30/10 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a total limit of $10,000 for damage to vehicles and property.
Liability insurance covers claims like court costs, loss of income, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Nevada requires drivers to carry at least 15/30/10 but you should consider buying higher limits.
The next chart demonstrates why buying minimum limits may not be adequate coverage.
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Nissan Altima.
Since many Nevada drivers carry very low liability coverage limits (Nevada limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Medical expense coverage – Coverage for medical payments and/or PIP kick in for immediate expenses like doctor visits, funeral costs and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Comprehensive protection – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from flooding, vandalism, a broken windshield, fire damage and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage – This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Altima to save money on collision insurance.
Car insurance companies ranked
Picking the right car insurance company is difficult considering how many different companies there are to choose from in Henderson. The company ratings shown below could help you choose which companies to look at comparing price quotes from.
Top 10 Henderson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance