Finding low-cost insurance for a Nissan Altima in Alabama can be difficult, but you can use the following methods to make it easier. There is a better way to buy insurance and we'll show you the quickest way to compare rates on a Nissan and get the best price possible from Montgomery insurance agents and online providers.
Surprisingly, a recent survey revealed that the vast majority of consumers kept their coverage with the same insurance company for more than four years, and virtually 40% of consumers have never compared rates with other companies. With the average premium in Alabama being $1,334, drivers could save 40% every year by just comparing rate quotes, but they don't know how much money they would save if they switched to a more affordable policy.
How to compare Nissan Altima insurance rate quotes in Montgomery, AL
Most of the larger companies like Progressive, Allstate and GEICO allow consumers to get coverage price quotes online. Doing online price comparisons for Nissan Altima insurance in Montgomery is fairly simple as you just enter your required coverages as detailed in the form. After you complete the form, their system orders reports for credit and driving violations and generates a price based on these factors.
This makes it a lot easier to compare rates and it's absolutely necessary to do this in order to find a better rate.
To find out what other companies charge, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you enter the coverages exactly as shown on your declarations page. This helps ensure you are getting comparison quotes for exact coverage.
The companies shown below offer price comparisons in Alabama. If multiple providers are shown, it's highly recommended you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$158||$318||$408||$24||$122||$1,030||$86|
|Altima 2.5 S 4-Dr Sedan||$146||$300||$348||$20||$104||$918||$77|
|Altima Hybrid 4-Dr Sedan||$298||$568||$348||$20||$104||$1,338||$112|
|Altima 2.5 S 2-Dr Coupe||$328||$618||$382||$22||$114||$1,464||$122|
|Altima 3.5 SR 4-Dr Sedan||$288||$596||$408||$24||$122||$1,438||$120|
|Altima 3.5 SR 2-Dr Coupe||$208||$374||$500||$30||$150||$1,262||$105|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower premium rates noticeably.
Male drivers versus female drivers
The example below compares Nissan Altima insurance rates for male and female drivers. The price estimates are based on no claims or driving violations, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
Physical damage deductibles: Should you raise them?
The diagram below shows how choosing a deductible and can change Nissan Altima premium costs for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Liability only or full coverage
The chart below visualizes the comparison of Nissan Altima auto insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $500 deductibles, single male driver, and no discounts are applied.
When to switch to liability coverage only
There is no definitive formula for eliminating full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.
For example, let's say your Nissan Altima claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If premiums are more than $300 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some scenarios where only buying liability is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
Here's why auto insurance is not optional
Despite the high cost of buying insurance for a Nissan Altima in Montgomery, buying auto insurance is required in Alabama but it also protects you in many ways.
First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to be legal. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your Nissan Altima, almost every bank will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank may buy a policy for your Nissan at an extremely high rate and require you to fork over much more than you were paying before.
Third, insurance safeguards both your car and your personal assets. It also can pay for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If your Nissan gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having insurance more than cancel out the cost, especially when you need to use it. But the average driver in Alabama overpays more than $869 every year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
Get cheaper Nissan Altima insurance in Montgomery with discounts
Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specifically requested before you will receive the discount. If you check and find you aren't receiving every discount possible, you may be paying too high a price.
- Distant Student - Older children who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
- Discounts for Government Workers - Federal government employees can save as much as 8% with select insurance companies.
- Defensive Driving Course - Passing a driver safety course may get you a small discount depending on where you live.
- Drivers Ed for Students - Teen drivers should participate in a local driver's education class if offered at their school.
- Active Military Service - Having an actively deployed family member could qualify you for better rates.
- Good Students Pay Less - Being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
- Senior Citizen Rates - Drivers over the age of 55 can get a small decrease in premiums.
- Memberships - Belonging to a qualifying organization could qualify you for a break on your next renewal.
- E-sign Discounts - Many companies give back up to $50 for buying your policy on the web.
Please keep in mind that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, insurance companies aren't that generous.
A few popular companies and some of the discounts are detailed below.
- GEICO has discounts for anti-lock brakes, membership and employees, emergency military deployment, anti-theft, driver training, air bags, and defensive driver.
- Auto-Owners Insurance offers discounts for air bags, good student, teen driver, multiple vehicles, group or association, and safe driver.
- American Family may have discounts that include defensive driver, mySafetyValet, bundled insurance, accident-free, good driver, and Steer into Savings.
- Esurance policyholders can earn discounts including homeowner, online shopper, online quote, good student, and emergency road assistance.
- Progressive discounts include good student, homeowner, online signing, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
- State Farm has savings for safe vehicle, accident-free, anti-theft, multiple policy, student away at school, good driver, and passive restraint.
- AAA offers discounts including good student, multi-car, anti-theft, multi-policy, pay-in-full, and good driver.
If you need affordable Nissan Altima insurance quotes, ask every prospective company which discounts you qualify for. Some discounts may not apply to policyholders in every state. To locate insurance companies with discount insurance rates in Alabama, click here to view.
When should I have guidance from an insurance agency?
A lot of people just want to talk to an insurance agent and that is a personal choice. Good insurance agents can answer important questions and help in the event of a claim. The biggest benefit of comparing rates online is you can get cheap auto insurance rates and still buy from a local agent.
By using this form (opens in new window), your insurance data is submitted to local insurance agents in Montgomery who will give you bids for your coverage. You don't have to search for any insurance agencies due to the fact that quote results will go immediately to you. If you wish to get a comparison quote from a specific insurance company, feel free to visit that company's website and fill out their quote form.
Picking the best company requires you to look at more than just the premium amount. The answers to these questions are important, too.
- Will their companies depreciate repairs to your car based on the mileage?
- How experiences are they in personal risk management?
- Will the company cover a rental car if your car is getting fixed?
- If you raise deductibles, how much can you save?
- Can you use your own choice of collision repair facility?
- Do they review policy coverages at every renewal?
- If you are a high risk driver, do they have special markets for your coverage?
Listed below are Montgomery auto insurance companies that can give you rate quotes for Nissan Altima insurance in Montgomery.
- Tyna Carter - State Farm Insurance Agent
5343 Young Barn Rd - Montgomery, AL 36106 - (334) 272-5433 - View Map
- myStarke Insurance Agency
210 Commerce St - Montgomery, AL 36104 - (334) 263-5535 - View Map
- Joe Hall - State Farm Insurance Agent
6940 Vaughn Rd - Montgomery, AL 36116 - (334) 270-2723 - View Map
- Alabama Auto Insurance Center
123 N Hull St - Montgomery, AL 36104 - (334) 262-1956 - View Map
When it comes to coverage, there really isn't a one-size-fits-all type of policy. You are unique.
For example, these questions can help discover if you would benefit from professional advice.
- What if a claim settlement is too low?
- Is there coverage for my trailer?
- Will my rates increase for filing one claim?
- Does my medical payments coverage pay my health insurance deductible?
- Can I afford low physical damage deductibles?
- Am I covered if my car is in a flood?
If you can't answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.
Having a good grasp of car insurance helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.
This can cover injuries or damage you cause to other's property or people by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things like legal defense fees, bail bonds, funeral expenses and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford. Alabama state minimum liability requirements are 25/50/25 but it's recommended drivers buy more liability than the minimum.
Coverage for collisions
This pays for damage to your Altima caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as scraping a guard rail, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible on your Altima in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Covered claims include injuries to you and your family as well as your vehicle's damage.
Since many Alabama drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like funeral costs, nursing services, pain medications and EMT expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, fire damage, a broken windshield, hitting a bird and vandalism. The maximum amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Cheaper car insurance is out there
Some companies may not offer price quotes online and these regional insurance providers work with independent agents. The cheapest Nissan Altima insurance in Montgomery is possible on the web and also from your neighborhood Montgomery agents, so you should be comparing quotes from both to have the best chance of lowering rates.
We covered many ways to compare Nissan Altima insurance rates in Montgomery. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Montgomery auto insurance quotes. You may even find the best price on car insurance is with some of the lesser-known companies.
Drivers change insurance companies for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, being labeled a high risk driver and poor customer service. Regardless of your reason for switching companies, finding a new company can be less work than you think.
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