Best Ways to Save on Tucson Nissan Altima Insurance

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I really doubt anyone fancies paying their premiums for insurance, in particular when the cost is too high.

Insurance rates Nissan Altima in TucsonIt's safe to assume that insurance companies don't want you to compare rates. People who get price comparisons will most likely switch to a new company because there are good odds of finding better rates. A study discovered that drivers who routinely shopped around saved about $70 a month compared to those who never compared prices.

If finding the best rates on Nissan Altima insurance is your goal, then having some knowledge of the best ways to find and compare coverages can help you succeed in finding affordable rates.

Because you have many online and local companies to choose from, it's nearly impossible to locate a lower cost company.

You need to do price comparisons once or twice a year because insurance prices trend upward over time. If you had the best price on Nissan Altima insurance in Tucson at your last renewal you may be paying too much now. Forget all the misinformation about insurance because you're going to get a crash course in how to use online quotes to save on insurance.

How to Lower Your Insurance Prices

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that are used to determine the price you pay for insurance. If you understand what controls the rates you pay, this helps enable you to make changes that may reward you with lower premium levels. Many things are used in the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, although others are less apparent such as your marital status and annual miles driven.

Your job and insurance rates - Careers such as military generals, executives, and financial analysts generally pay higher rates than average in part from high stress levels and long work hours. On the flip side, occupations like scientists, athletes and homemakers pay lower than average rates.

Type of car determines base prices - The make and model of the vehicle you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. The lowest premiums will generally be found on low performance passenger vehicles, but other factors influence the final cost greatly.

The following chart assumes a married female driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Nissan Altima insurance rates compared to other makes and models that have different risk factors.

Don't get traffic citations - Whether or not you get tickets can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums than their less careful counterparts. Even one moving violation can increase the cost of insurance twenty percent or more. Drivers who have dangerous tickets like DUI or willful reckless driving may need to complete a SR-22 to the state department of motor vehicles in order to legally drive.

The illustration below shows how violations and at-fault accidents can impact Nissan Altima car insurance costs for different ages of insureds. The information is based on a married male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

Marriage is a factor - Having a wife or husband may save some money on your insurance policy. Having a spouse means you're less irresponsible and it's statistically proven that married drivers get in fewer accidents.

Insurance losses for a Nissan Altima - Insurers study historical loss data to help set a rate to offset losses. Vehicles that historically have higher loss trends will have a higher premium rate.

The table shown below demonstrates the historical insurance loss data for Nissan Altima vehicles. For each type of coverage, the claim probability for all vehicles averaged together is represented as 100. Percentage numbers below 100 imply a favorable loss record, while numbers above 100 show a trend for more claims or statistically larger losses.

Insurance Loss Ratings for Nissan Altima Vehicles
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

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

Rates and information analytics

The information shown below showcases detailed analysis of insurance coverage prices for Nissan Altima models. Learning more about how policy rates are calculated can be of help when making informed decisions when comparing rate quotes.

Nissan Altima Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $144 $246 $300 $18 $90 $798 $67
Altima 2.5 S 4-Dr Sedan $144 $290 $300 $18 $90 $842 $70
Altima Hybrid 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Altima 2.5 S 2-Dr Coupe $162 $290 $338 $20 $102 $912 $76
Altima 3.5 SR 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Altima 3.5 SR 2-Dr Coupe $162 $334 $338 $20 $102 $956 $80
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in Tucson location which can modify premium rates noticeably.

Comparison of policy deductibles

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below can help illustrate the price difference when you select higher and lower comp and collision deductibles. The first data table uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Nissan Altima insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $232 $390 $300 $18 $90 $1,055 $88
Altima 2.5 S 4-Dr Sedan $232 $460 $300 $18 $90 $1,125 $94
Altima Hybrid 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Altima 2.5 S 2-Dr Coupe $262 $460 $338 $20 $102 $1,207 $101
Altima 3.5 SR 4-Dr Sedan $262 $460 $300 $18 $90 $1,155 $96
Altima 3.5 SR 2-Dr Coupe $262 $530 $338 $20 $102 $1,277 $106
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Nissan Altima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $144 $246 $300 $18 $90 $798 $67
Altima 2.5 S 4-Dr Sedan $144 $290 $300 $18 $90 $842 $70
Altima Hybrid 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Altima 2.5 S 2-Dr Coupe $162 $290 $338 $20 $102 $912 $76
Altima 3.5 SR 4-Dr Sedan $162 $290 $300 $18 $90 $860 $72
Altima 3.5 SR 2-Dr Coupe $162 $334 $338 $20 $102 $956 $80
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can change premium rates substantially.

We can derive from the above data that using a $250 deductible costs roughly $24 more each month or $288 annually averaged for all Altima models than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 31 months between claims, you would more than likely save some money going with the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): - $73
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One big caveat is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You will want to have some money saved in the event you need to pay the higher deductible in order to repair your vehicle.

Cost of full coverage

The example below visualizes the comparison of Nissan Altima insurance premiums with full coverage compared to only the Arizona minimum liability coverage. Data assumes no violations or claims, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula to delete comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's pretend your Nissan Altima replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after the deductible is paid. If you are paying in excess of $700 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where removing full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Insurance discounts help lower rates for Nissan Altima insurance in Tucson

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked about in order for you to get them.Save money with discounts

  • Good Student - Performing well in school may save as much as 25% on a Tucson car insurance quote. You can use this discount normally until age 25.
  • Accident Waiver - This isn't a discount exactly, but some insurance companies will turn a blind eye to one accident before raising your premiums as long as you don't have any claims for a specific time period.
  • Onboard Data Collection - Tucson drivers who agree to allow their insurance company to scrutinize when and where they use their vehicle by installing a telematics device such as Progressive's Snapshot could save a few bucks if they show good driving skills.
  • Passive Restraints - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Anti-lock Brake Discount - Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
  • E-sign Discounts - Some of the larger companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Save with a New Car - Buying a new car model can save up to 30% because newer vehicles keep occupants safer.
  • Active Military Service - Having a deployed family member could trigger a small discount.
  • Memberships - Being a member of certain professional organizations is a simple method to lower premiums on your next renewal.

A little disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free insurance policy, companies don't profit that way.

The example below illustrates the difference between Nissan Altima auto insurance costs with and without policy discounts. The data is based on a female driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.

A list of companies and some of the premium reductions they offer are:

  • Progressive discounts include online quote discount, multi-vehicle, continuous coverage, good student, online signing, multi-policy, and homeowner.
  • GEICO offers discounts for daytime running lights, anti-lock brakes, multi-vehicle, multi-policy, five-year accident-free, and military active duty.
  • State Farm has discounts for multiple policy, anti-theft, student away at school, accident-free, good driver, driver's education, and multiple autos.
  • Esurance has savings for claim free, homeowner, Pac-12 alumni, Switch & Save, good student, and multi-policy.
  • The Hartford may have discounts that include vehicle fuel type, good student, bundle, air bag, anti-theft, defensive driver, and driver training.

When comparing rates, check with each company or agent which discounts can lower your rates. Discounts might not apply in Tucson. For a list of insurance companies that offer some of these discounts in Arizona, follow this link.

One last note

As you prepare to switch companies, don't be tempted to reduce needed coverages to save money. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

You just read a lot of ways to reduce Nissan Altima insurance premium rates online in Tucson. It's most important to understand that the more you quote Tucson car insurance, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from a lesser-known regional company. These companies can often provide lower prices in certain areas as compared to the big name companies such as State Farm or Progressive.

How to find better rates for Nissan Altima insurance in Tucson

If you want to find the absolute lowest rates, then the best way to get more affordable Nissan Altima insurance in Tucson is to compare quotes annually from companies who provide auto insurance in Arizona.

  1. Try to comprehend the coverage provided by your policy and the factors you can control to keep rates low. Many rating criteria that increase rates such as accidents, traffic violations, and a negative credit rating can be amended by being financially responsible and driving safely.
  2. Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide price quotes from many different companies.
  3. Compare the new quotes to the price on your current policy and see if you can save money. If you find better rates, make sure there is no lapse in coverage.

An important note is to make sure you're comparing identical coverage information on each quote request and and to get price quotes from as many carriers as you can. This enables an apples-to-apples comparison and the best price quote selection.

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