How to Save on Nissan Altima Insurance in San Antonio

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Discount Nissan Altima insuranceWant to know how to find cheaper Nissan Altima insurance in San Antonio? I really doubt anyone enjoys paying for auto insurance, especially when they are aware that they are paying too much.

Astonishing but true according to a recent study, a large majority of drivers have remained with the same auto insurance company for four years or more, and practically 40% of auto insurance customers have never compared auto insurance rates at all. Most drivers in Texas can cut their rates by nearly 70% a year just by getting comparison quotes, but most tend to underestimate the actual amount they would save if they moved their coverage to a different company.

There are many insurance companies to choose from, and although it's nice to have multiple companies, more choices can make it harder to adequately compare rates for Nissan Altima insurance in San Antonio.

It's smart to shop coverage around yearly because auto insurance rates fluctuate regularly. If you had the lowest rate on Nissan Altima insurance in San Antonio a couple years back you can probably find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the best way to get good coverage on Nissan Altima insurance in San Antonio at a lower rate.

Locating the best insurance company for you in San Antonio is not rocket science. In essence, every vehicle owner who wants cheaper insurance should find a lower-cost company. Nevertheless, Texas car owners must understand the way insurance companies calculate your insurance rates and use it to your advantage.

It's important to know that comparing all the rates in your area gives you a better chance of getting better pricing.

The companies shown below can provide comparison quotes in San Antonio, TX. If multiple companies are shown, it's highly recommended you click on several of them to get the best price comparison.

Cheap San Antonio insurance quotes with discounts

Some insurance providers do not list every discount available very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous discounts you could be receiving when you buy San Antonio car insurance online.Cheaper insurance with discounts

  • Multi-policy Discount - If you have multiple policies and insure them with the same company you could save at least 10 to 15 percent or more.
  • Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 15% off PIP or medical payments premium.
  • Accident Waiver - Not really a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven't had any claims for a certain period of time.
  • Government Employees - Federal government employees could provide a small rate reduction but check with your company.
  • Accident-Free Discounts - Good drivers with no accidents pay much less as compared to drivers with a long claim history.
  • Service Members Pay Less - Having a deployed family member may lower your insurance rates slightly.
  • Passive Restraints and Air Bags - Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Safety Course Discount - Successfully completing a course that instructs on driving safety can save you 5% or more if your company offers it.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Good Driver Discount - Insureds without accidents can save up to 40% or more on their San Antonio car insurance quote than drivers with accident claims.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, you won't be that lucky.

The chart below shows the difference between Nissan Altima car insurance rates with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, homeowner, and multi-policy discounts applied.

A list of insurance companies and the discounts they provide can be found below.

  • Progressive may offer discounts for multi-policy, good student, multi-vehicle, online quote discount, homeowner, online signing, and continuous coverage.
  • AAA policyholders can earn discounts including anti-theft, multi-policy, good driver, good student, education and occupation, and pay-in-full.
  • Farmers Insurance may include discounts for business and professional, distant student, bundle discounts, switch companies, teen driver, and homeowner.
  • GEICO has savings for federal employee, military active duty, emergency military deployment, seat belt use, air bags, membership and employees, and daytime running lights.
  • Esurance discounts include renters, online quote, online shopper, multi-car, defensive driver, and homeowner.
  • SAFECO has discounts for drive less, homeowner, bundle discounts, safe driver, and anti-lock brakes.
  • State Farm offers discounts for Steer Clear safe driver discount, driver's education, safe vehicle, student away at school, anti-theft, good student, and accident-free.

Check with each company which discounts can lower your rates. Some discounts listed above might not apply in San Antonio. To find companies with significant discounts in Texas, click here to view.

Nissan Altima insurance analysis

The coverage information below outlines detailed analysis of coverage costs for Nissan Altima models. Being more informed about how rates are figured can assist in making smart choices when purchasing an insurance policy.

Nissan Altima Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $288 $570 $462 $28 $138 $1,486 $124
Altima 2.5 S 4-Dr Sedan $288 $672 $462 $28 $138 $1,588 $132
Altima Hybrid 4-Dr Sedan $326 $672 $462 $28 $138 $1,626 $136
Altima 2.5 S 2-Dr Coupe $326 $672 $520 $30 $156 $1,704 $142
Altima 3.5 SR 4-Dr Sedan $326 $672 $462 $28 $138 $1,626 $136
Altima 3.5 SR 2-Dr Coupe $326 $774 $520 $30 $156 $1,806 $151
Get Your Own Custom Quote Go

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in zip code location which can raise or lower prices considerably.

Car insurance deductibles

When comparing car insurance rates, the most common question is what deductibles to buy. The comparisons below sum up the costs and benefits when you buy lower versus higher insurance deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Nissan Altima insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
Altima 2.5 S 4-Dr Sedan $328 $698 $382 $22 $114 $1,569 $131
Altima Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Altima 2.5 S 2-Dr Coupe $370 $698 $430 $26 $128 $1,677 $140
Altima 3.5 SR 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Altima 3.5 SR 2-Dr Coupe $370 $804 $430 $26 $128 $1,783 $149
Get Your Own Custom Quote Go
Nissan Altima insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
Altima 2.5 S 4-Dr Sedan $240 $472 $382 $22 $114 $1,230 $103
Altima Hybrid 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Altima 2.5 S 2-Dr Coupe $270 $472 $430 $26 $128 $1,326 $111
Altima 3.5 SR 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Altima 3.5 SR 2-Dr Coupe $270 $542 $430 $26 $128 $1,396 $116
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in your specific San Antonio location which can alter prices significantly.

Based on this data, using a $100 deductible will cost in the ballpark of $29 more each month or $348 for a full year across all Nissan Altima models than opting for the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 14 months between claims, you would probably come out ahead if you choose the higher deductible. Here's the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $135
Average monthly premium for $500 deductibles (subtract): - $106
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more when you have a physical damage claim. That will force you to have enough savings in the event you have to pay more for the deductible.

The example below illustrates how your choice of deductibles and can change Nissan Altima yearly insurance costs for different age groups. The data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.

Age, gender, and Nissan Altima insurance

The chart below illustrates the comparison of Nissan Altima auto insurance rates for male and female drivers. The costs are based on no violations or claims, comp and collision included, $100 deductibles, single marital status, and no discounts are factored in.

Full coverage rates vs. liability-only

The chart below illustrates the difference between Nissan Altima insurance rates with and without physical damage coverage. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to stop buying full coverage

There is no set rule to stop buying physical damage insurance, but there is a general guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your Nissan Altima replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your deductible. If you are currently paying more than $800 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are a few situations where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

Nissan Altima Insurance Prices Can Be Cheaper

Many things are used when you get a price on insurance. Some factors are common sense such as traffic violations, although some other factors are less apparent such as whether you are married and annual miles driven.

The factors shown below are some of the most rate-impacting factors auto insurance companies consider when setting your premiums.

Where do you drive? - The higher the mileage driven in a year's time the higher your rates will be. A lot of insurance companies calculate rates partially by how you use the vehicle. Cars and trucks that have low annual miles qualify for better rates than those used for commuting. It's a smart idea to ensure your auto insurance policy states the right rating data, because improper ratings can cost you money. Incorrect rating for your Altima can cost quite a bit.

More performance means more cost - The performance level of the car, truck or SUV you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Smaller low performance passenger cars usually are quite affordable to insure, but your final cost has many other factors.

The following chart is based on a single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Nissan Altima rates compared to other models of vehicles that have a range of performances.

Extra coverages you don't need - There are a lot of extra add-on coverages that you can buy if you don't pay attention. Coverages for coverage for rental cars, towing coverage, and extra life insurance coverage are examples of these. These coverages may sound good when discussing your needs, but now you might not need them so get rid of them and save.

Certain jobs raise rates - Did you know your occupation can influence how much you pay for auto insurance? Careers such as judges, social workers, and medical professionals tend to have higher rates than the rest of us attributed to high stress levels and extremely grueling work hours. Conversely, occupations like farmers, athletes and homemakers have the lowest average rates.

Gaps in coverage mean higher rates - Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance can result in fines or a revoked license.

Poor credit can mean higher premiums - Credit score factor in determining what you pay. Insureds with excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores. Therefore, if your credit score can use some improvement, you could save money insuring your Nissan Altima by improving your rating.

Your location is important - Choosing to live in less populated areas of the country can be a good thing when trying to find low car insurance rates. Residents of big cities have traffic congestion and a longer drive to work. Less people means fewer accidents in addition to lower liability claims.

Insurance loss data for a Nissan Altima - Insurers factor in insurance loss information to determine a rate that will be profitable for them. Vehicles that are shown to have higher frequency or amount of claims will have higher premium rates.

The next table shows the collected loss data for Nissan Altima vehicles. For each insurance policy coverage type, the claim amount for all vehicles combined as an average is set at 100. Values that are below 100 suggest losses that are better than average, while values that are 100 or greater point to more frequent losses or statistically larger claims.

Nissan Altima Insurance Claim Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Altima 110 97 119 144 147 114
BETTER
AVERAGE
WORSE

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comparing rates from local San Antonio car insurance agents

Some consumers still like to get advice from a local agent and that can be a smart move The biggest benefit of getting free rate quotes online is the fact that you can find the lowest rates and still buy from a local agent.

Find insurance agent in San AntonioTo make it easy to find an agent, after completing this quick form, the quote information gets sent to agents in your area that provide free San Antonio car insurance quotes for your auto insurance coverage. You don't have to find an agent on your own since price quotes are sent straight to your inbox. You can find lower rates and work with a local agent. If for some reason you want to compare rates from one company in particular, you just need to jump over to their website and complete a quote there.

Deciding on an company requires you to look at more than just a cheap price. Any agent in San Antonio should be forthright in answering these questions:

  • Do they regularly work with personal auto policies in San Antonio?
  • Do they offer accident forgiveness?
  • How much experience to they have in personal lines coverages?
  • How many years have they been established?
  • Are there any extra charges for paying monthly?
  • Can you contact them at any time?
  • How are claims handled?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Car insurance savings summarized

Some companies may not offer rates over the internet and many times these regional insurance providers work with local independent agents. Low-cost Nissan Altima insurance in San Antonio can be sourced both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.

We've covered a lot of techniques to reduce Nissan Altima insurance prices online in San Antonio. It's most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the least-expected company. They can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

When searching for inexpensive San Antonio car insurance quotes, it's not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy enough coverage at the best cost, but do not skimp to save money.

Much more information about car insurance in Texas is located on the following sites: