Finding the best cheap auto insurance for a Nissan Altima in Indiana relies on a large number of rating criteria such as whether you are single or married, if you have prior claims, and the deductible amount you use. Drivers will pay around $776 each year to insure their Altima, but that amount is a projection based upon a 40-year-old married male driver with full coverage and $500 deductibles.
It’s more than likely you’re not a 40-year-old male, possibly single instead of married, and maybe you want higher deductibles. This demonstrates why the best method for finding the cheapest coverage for your Nissan is to just take the time to compare rates yourself. Quotes are free and you will be able to see rates from some of the most affordable companies available.
The trim level of your Altima has an effect on the insurance rate, so the cost to insure a Altima 2.5 4-Dr Sedan will be $168 cheaper than the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$160||$272||$290||$18||$86||$826||$69|
|Altima 2.5 S 4-Dr Sedan||$160||$320||$290||$18||$86||$874||$73|
|Altima Hybrid 4-Dr Sedan||$182||$320||$290||$18||$86||$896||$75|
|Altima 2.5 S 2-Dr Coupe||$182||$320||$326||$20||$98||$946||$79|
|Altima 3.5 SR 4-Dr Sedan||$182||$320||$290||$18||$86||$896||$75|
|Altima 3.5 SR 2-Dr Coupe||$182||$368||$326||$20||$98||$994||$83|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in your specific Fort Wayne location which can increase or decrease coverage prices greatly.
Insuring your vehicle with the right insurance company can be rather challenging considering how many companies are available to choose from in Indiana. The ranking information below could help you pick which auto insurers to look at comparing rates with. The ratings below are only comprised of large insurance companies, so smaller regional companies are not factored into the list.
Top 10 Large Auto Insurance Providers in Fort Wayne Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Top 10 Large Auto Insurance Providers in Fort Wayne Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Discounts on Fort Wayne car insurance
Insurers that provide coverage for a Nissan Altima may provide premium discounts that could reduce prices by as much as 25% or more if you are eligible to receive them. Larger car insurance companies and a selection of discounts include:
- Progressive has discounts for multi-vehicle, homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
- MetLife may offer discounts for accident-free, good student, claim-free, good driver, and multi-policy.
- Mercury Insurance offers premium reductions for annual mileage, anti-theft, good student, multi-car, ease of repair, location of vehicle, and professional/association.
- Nationwide offers discounts including good student, accident-free, defensive driving, family plan, multi-policy, and easy pay.
- GEICO offers discounts for federal employee, seat belt use, good student, anti-lock brakes, and emergency military deployment.
- AAA policyholders can earn discounts including multi-policy, good student, pay-in-full, education and occupation, anti-theft, and good driver.
The information below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, no accidents, no driving violations, Indiana state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, safe-driver, claim-free, defensive driving course, anti-theft, and marriage discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for a Nissan Altima is 28% or $499.
The chart below demonstrates how deductible levels can influence yearly insurance costs when quoting cheap insurance for a Nissan Altima. Data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could pocket $344 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $518 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, could reduce their rates as much as $736 annually by using a higher deductible.
If you do raise deductibles, it’s a good idea to have enough savings to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Impact of violations and accidents on rates in Fort Wayne
A great way to earn cheap car insurance rates in Fort Wayne for an Altima is to drive attentively and avoid accidents and traffic violations. The chart below shows how speeding tickets and fender-benders influence auto insurance costs for each age group. The price estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,082. Get one speeding ticket and the average cost surges to $2,358, an increase of $276 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Altima jumps again to an average of $4,677. That’s an increase of $2,595, or $216 per month, just for not driving attentively!