Nissan Altima Insurance Rates in Mobile

Discount Nissan Altima insuranceHas it been over a year since you last compared quotes for lower-priced Nissan Altima insurance in Mobile? Are you sick and tired of robbing Peter to pay Paul each month for auto insurance? You have the same problem as most other drivers in Alabama.

A recent study showed that most auto insurance policyholders kept their coverage with the same auto insurance company for four years or more, and approximately 40% of consumers have never compared auto insurance rates at all. With the average premium in Alabama being $1,300, drivers could save 40% a year by just shopping around, but most tend to underestimate the actual amount they would save if they swap their current policy for a cheaper one. With so many choices of insurance companies that have cheap insurance for a Nissan Altima in Mobile, it can be hard to find the lowest price company.

You should take the time to do price comparisons every six months because prices fluctuate regularly. If you had the lowest rates on Nissan Altima insurance in Mobile a year ago there may be better deals available now. Forget all the misinformation about auto insurance because you're about to find out the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Best Nissan Altima insurance rates in Alabama

The providers in the list below provide quotes in Mobile, AL. If multiple companies are shown, we recommend you visit several of them to get the best price comparison.

Nissan Altima Insurance Costs in Mobile, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $192 $326 $348 $20 $104 $990 $83
Altima 2.5 S 4-Dr Sedan $166 $354 $324 $20 $96 $960 $80
Altima Hybrid 4-Dr Sedan $206 $408 $354 $20 $106 $1,094 $91
Altima 2.5 S 2-Dr Coupe $182 $326 $382 $22 $114 $1,026 $86
Altima 3.5 SR 4-Dr Sedan $234 $480 $408 $24 $122 $1,268 $106
Altima 3.5 SR 2-Dr Coupe $252 $590 $358 $22 $108 $1,330 $111
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in specific Mobile garaging location which can revise insurance rates greatly.

Physical damage deductibles

The illustration below demonstrates how deductibles and can affect Nissan Altima premium costs for different insured age categories. The premium estimates are based on a single female driver, full coverage, and no discounts are applied.

Analysis of deductible levels

When buying car insurance, a common question is how high should the physical damage deductibles be. The tables below may help to illustrate the costs and benefits of buying low and high physical damage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.

Nissan Altima insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $290 $524 $338 $20 $100 $1,297 $108
Altima 2.5 S 4-Dr Sedan $290 $618 $338 $20 $100 $1,391 $116
Altima Hybrid 4-Dr Sedan $328 $618 $338 $20 $100 $1,429 $119
Altima 2.5 S 2-Dr Coupe $328 $618 $382 $22 $114 $1,489 $124
Altima 3.5 SR 4-Dr Sedan $328 $618 $338 $20 $100 $1,429 $119
Altima 3.5 SR 2-Dr Coupe $328 $710 $382 $22 $114 $1,581 $132
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Nissan Altima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $212 $354 $338 $20 $100 $1,024 $85
Altima 2.5 S 4-Dr Sedan $212 $418 $338 $20 $100 $1,088 $91
Altima Hybrid 4-Dr Sedan $240 $418 $338 $20 $100 $1,116 $93
Altima 2.5 S 2-Dr Coupe $240 $418 $382 $22 $114 $1,176 $98
Altima 3.5 SR 4-Dr Sedan $240 $418 $338 $20 $100 $1,116 $93
Altima 3.5 SR 2-Dr Coupe $240 $480 $382 $22 $114 $1,238 $103
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate information does not factor in Mobile location which can alter prices substantially.

We can derive from the above data that using a $100 deductible costs approximately $26 more each month or $312 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 15 months between claim filings, you would come out ahead if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $120
Average monthly premium for $500 deductibles (subtract): - $94
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One important issue to know is that a higher deductible level means you pay more out-of-pocket if you have a claim. You will want to have some savings in the bank in the event you have to pay the higher deductible in order to repair your vehicle.

Get cheaper Nissan Altima insurance in Mobile with discounts

Not many people think insurance is cheap, but you may qualify for discounts that you may not even be aware of. A few discounts will be applied when you get a quote, but once in a while a discount must be manually applied prior to receiving the credit. If you check and find you aren't receiving every discount you qualify for, you're paying more than you need to.

Don't be shocked that some credits don't apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn't stay in business.

Some of the larger companies that possibly offer these money-saving discounts include:

When getting a coverage quote, ask all the companies which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in your state. If you would like to choose from a list of providers that offer many of these discounts in Mobile, click this link.

Exclusive or independent insurance agencies

A small number of people still like to have an agent's advice and we recommend doing that Most agents are trained risk managers and will help you if you have claims. An additional benefit of comparing rates online is that you can obtain cheap rate quotes but still work with a licensed agent.

Insurance agency in MobileAfter filling out this quick form, the quote information gets sent to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no reason to search for an agent because prices are sent directly to you. If you have a need to get a price quote from a particular provider, just jump over to their website and submit a quote form there.

Picking an company requires you to look at more than just a cheap quote. The following questions are important to ask.

If you would like to find a reputable agency, it's important to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance agencies are classified as either independent or exclusive. Both sell and service insurance coverage, but it's important to know the difference between them since it may influence your selection of an agent.

Exclusive Insurance Agencies

These type of agents have only one company to place business with like Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. They are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive insurance agencies in Mobile who can help you get price quote information.

8010 Airport Blvd #102 - Mobile, AL 36608 - (251) 633-0606 - View Map

6353 Cottage Hill Rd f - Mobile, AL 36609 - (251) 666-1616 - View Map

6406 Airport Blvd C - Mobile, AL 36608 - (251) 340-1977 - View Map

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Independent Insurance Agencies

Independent agents are not required to write business for one company so they can write business through lots of different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. If you are comparing rate quotes, you definitely need to compare quotes from independent agents to get the most accurate price comparison.

Listed below are Mobile independent insurance agencies that can give you rate quotes.

Morris Agency
3032 Dauphin Square Conn - Mobile, AL 36607 - (251) 450-4477 - View Map

6207 Cottage Hill Rd - Mobile, AL 36609 - (251) 661-9957 - View Map

4180 Oak Ridge Ave # B - Mobile, AL 36619 - (251) 661-3432 - View Map

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Smaller companies may have the best rates

Consumers constantly see and hear ads for the lowest price insurance from the likes of State Farm and Allstate. All the companies seem to make the promise about saving some big amount after switching to their company.

How does every insurance company lower your prices? It's all in how they say it.

Most companies require specific criteria for a prospective insured that earns them the most money. For instance, a desirable insured might have to be over age 30, is a homeowner, and has great credit. Any person that hits that "sweet spot" will qualify for the lowest rates in Mobile and as a result will probably save money with a new company.

Consumers who are not a match for those standards will be quoted a higher rate which results in business going elsewhere. The ads say "people that switch" not "all people who quote" save the amount stated. That is how companies can truthfully state the savings. Different companies use different criteria so drivers should compare rate quotes every year. It's not possible to predict which insurance company will have the lowest Nissan Altima insurance in Mobile.

Cheaper car insurance is a realistic goal

We just showed you many ideas to shop for Nissan Altima insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding inexpensive Mobile car insurance quotes. Drivers may even discover the lowest priced car insurance comes from a smaller regional carrier. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice uninsured motorist or liability limits only to find out they didn't have enough coverage. The aim is to purchase a proper amount of coverage at the best cost, but don't skip important coverages to save money.

More information can be found at the links below