Save Money on Nissan Altima Insurance in Fresno

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It's well known that auto insurance companies don't want customers comparing rates. Consumers who shop for lower prices will probably switch companies because the odds are good of finding a lower rate. A recent study showed that drivers who routinely compared quotes saved approximately $3,450 over four years compared to those who never compared rates.

If saving the most money on Nissan Altima insurance is your objective, then having some knowledge of how to shop and compare car insurance can help simplify the process.

Insurance for Nissan AltimaIf you want to save the most money, the best way to find low-cost prices for Nissan Altima insurance is to compare prices at least once a year from insurance carriers who sell auto insurance in Fresno.

  • Step 1: Try to learn about how insurance works and the things you can change to prevent rate increases. Many policy risk factors that result in higher prices such as tickets, at-fault accidents, and poor credit rating can be improved by making small lifestyle or driving habit changes. This article gives instructions to help find cheaper rates and find more discounts that you may not know about.
  • Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple sources.
  • Step 3: Compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate, ensure there is no coverage lapse between policies.
  • Step 4: Notify your current company of your intention to cancel your current policy and submit a down payment along with a completed application to your new agent or company. When you receive it, place the new certificate verifying coverage in your vehicle.

One bit of advice is to use identical coverages on each price quote and and to analyze as many companies as you can. This provides a level playing field and the best price selection.

If you are insured now, you will surely be able to reduce premiums using these techniques. Comparing rates for more affordable protection in Fresno is easy to do. But California consumers need to have an understanding of the methods companies use to price insurance differently and use this information to your advantage.

How much does Nissan Altima insurance in Fresno, California cost?

To find cheaper Fresno auto insurance quotes, there are several ways to compare quotes from companies that offer insurance in California. The simplest method to compare Nissan Altima insurance prices involves getting comparison quotes online.

Just keep in mind that comparing all the rates in your area will enable you to find the best offered rates. Some smaller insurers do not give Fresno Altima insurance quotes online, so it's important to compare price quotes from them, too.

The companies shown below offer comparison quotes in Fresno, CA. If you want to find cheap car insurance in Fresno, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Car insurance does more than just repair your car

Despite the fact that car insurance is not cheap in Fresno, insurance may not be optional for several reasons.

First, most states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Nissan Altima has a lienholder, almost all lenders will make it mandatory that you have physical damage coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Nissan for a lot more money and require you to pay the higher price.

Third, insurance safeguards your Nissan and your assets. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. According to a 2015 survey, the average American driver overpays more than $865 each year so it's recommended you shop around at least once a year to be sure current rates are still competitive.

Analysis of Nissan Altima rates

The price information displayed below showcases a range of insurance coverage prices for Nissan Altima models. Understanding how auto insurance premiums are determined is important for you to make decisions on the best policy coverages.

Nissan Altima Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $422 $844 $596 $36 $178 $2,076 $173
Altima 2.5 S 4-Dr Sedan $422 $996 $596 $36 $178 $2,228 $186
Altima Hybrid 4-Dr Sedan $476 $996 $596 $36 $178 $2,282 $190
Altima 2.5 S 2-Dr Coupe $476 $996 $674 $40 $202 $2,388 $199
Altima 3.5 SR 4-Dr Sedan $476 $996 $596 $36 $178 $2,282 $190
Altima 3.5 SR 2-Dr Coupe $476 $1146 $674 $40 $202 $2,538 $212
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in specific location information which can modify insurance rates substantially.

Higher deductibles lower rates

One common question asked by Fresno drivers is at what level do you set your deductibles. The rates shown below sum up the differences in premium rates when you choose different physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second set of prices uses a $500 deductible.

Nissan Altima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $342 $576 $442 $26 $132 $1,543 $129
Altima 2.5 S 4-Dr Sedan $342 $678 $442 $26 $132 $1,645 $137
Altima Hybrid 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 2.5 S 2-Dr Coupe $386 $678 $500 $30 $150 $1,769 $147
Altima 3.5 SR 4-Dr Sedan $386 $678 $442 $26 $132 $1,689 $141
Altima 3.5 SR 2-Dr Coupe $386 $780 $500 $30 $150 $1,871 $156
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Nissan Altima insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
Altima 2.5 S 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Altima Hybrid 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 2.5 S 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Altima 3.5 SR 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 3.5 SR 2-Dr Coupe $314 $630 $500 $30 $150 $1,624 $135
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can decrease or increase coverage prices noticeably.

Based on this data, using a $250 deductible could cost the average driver approximately $19 more each month or $228 for a full year across all Nissan Altima models than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 13 months between claim filings, you would save money if you choose the higher deductible. The illustration below shows a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $142
Average monthly premium for $500 deductibles (subtract): - $123
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that a higher deductible means you will have to pay more at claim time. You will want to have some money saved in order to pay the higher deductible.

The example below highlights how deductible selection and can change Nissan Altima insurance prices for each different age category. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

How much more does full coverage cost in Fresno?

The information below shows the comparison of Nissan Altima yearly insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

When to switch to liability coverage only

There isn't a steadfast formula to drop full coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your Nissan Altima book value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after paying your deductible. If premiums are more than $200 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage.

You may qualify for discounts for Nissan Altima insurance in Fresno

Some insurance providers do not list their entire list of discounts in an easy-to-find place, so the next list breaks down some of the more common as well as some of the hidden discounts that may be available.Car insurance discounts

  • Discounts for New Vehicles - Insuring a vehicle that is new can get you a discount since newer models are generally safer.
  • Senior Discount - Older drivers could receive a discount up to 10%.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Save with More Vehicles Insured - Drivers who insure more than one vehicle on one policy could earn a price break for each car.
  • Defensive Driver Discount - Successfully completing a course in defensive driving could save 5% or more and make you a better driver.

Discounts lower rates, but most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, you aren't that lucky.

The diagram below visualizes the comparison of Nissan Altima auto insurance rates with and without discounts applied to the premium. The information is based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, marriage, claim-free, and multi-policy discounts applied.

Large car insurance companies and some of the premium reductions they offer can be found below.

  • State Farm policyholders can earn discounts including good student, Steer Clear safe driver discount, student away at school, accident-free, and driver's education.
  • Liberty Mutual may have discounts that include multi-policy, new move discount, new vehicle discount, new graduate, newly retired, hybrid vehicle, and multi-car.
  • American Family has savings for Steer into Savings, defensive driver, accident-free, air bags, good student, mySafetyValet, and multi-vehicle.
  • Progressive offers premium reductions for homeowner, multi-policy, online signing, online quote discount, good student, and multi-vehicle.
  • Farmers Insurance discounts include pay in full, bundle discounts, early shopping, teen driver, good student, alternative fuel, and multi-car.
  • Auto-Owners Insurance offers discounts for anti-lock brakes, anti-theft, student away at school, teen driver, mature driver, and multi-policy.
  • SAFECO may offer discounts for homeowner, anti-lock brakes, anti-theft, bundle discounts, teen safety rewards, multi-car, and drive less.

Double check with every insurance company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your state. To see a list of providers that offer discounts in California, click here to view.

Best car insurance company in California

Picking the top insurance provider can be rather challenging considering how many companies sell insurance in California. The ranking data in the next section may help you choose which car insurance providers you want to consider when comparing rate quotes.

Top 10 Fresno Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Fresno Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family