Nissan Altima Insurance Quotes in Raleigh

The best way we recommend to get budget Nissan Altima insurance is to begin comparing prices regularly from insurance carriers in Raleigh.

Step 1: Try to understand what coverages are included in your policy and the measures you can take to keep rates in check. Many policy risk factors that increase rates such as speeding tickets, careless driving and a low credit rating can be remedied by making small lifestyle or driving habit changes. Read the full article for tips to get affordable coverage and find additional discounts you may qualify for.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.

Step 3: Compare the new rates to your existing policy and see if you can save money. If you find better rates and switch companies, make sure there is no lapse in coverage.

Step 4: Tell your current agent or company to cancel your current coverage. Submit a signed application and payment to the new insurer. As soon as you can, keep the new proof of insurance certificate in an easily accessible location.

The critical component of shopping around is to make sure you enter the same physical damage deductibles and liability limits on every price quote and and to compare as many carriers as you can. Doing this provides a fair rate comparison and the best rate selection.

Insurance quote for Nissan Altima in RaleighIt’s safe to assume that auto insurance companies want to prevent you from shopping around. Insureds who compare rates annually are likely to move their business because of the high probability of finding lower prices. Remarkably, a study showed that people who make a habit of shopping around saved about $850 each year compared to people who never compared other company’s rates.

If finding low prices for auto insurance is the reason you’re here, learning how to quote and compare coverage rates can help simplify the process.

Just remember that comparing more prices will increase your chances of finding the best offered rates. Some insurance companies are not set up to provide online Raleigh Altima insurance quotes, so you need to compare quotes on coverage from those companies, too.

The providers in the list below have been selected to offer free rate quotes in North Carolina. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Cheaper Raleigh auto insurance rates with discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help offset the cost. Certain credits will be shown when you complete an application, but lesser-known reductions have to be inquired about before being credited.Discount auto insurance

Please keep in mind that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

The example below shows the difference between Nissan Altima car insurance rates with and without policy discounts. The costs are based on a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.

To see a list of auto insurance companies with the best discounts in Raleigh, follow this link.

Car insurance statistics and figures

The data table shown below outlines different insurance premium costs for Nissan Altima models. Having a good grasp of how insurance policy premiums are established can be valuable when making informed decisions when comparing rate quotes.

Nissan Altima Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $102 $200 $262 $16 $78 $658 $55
Altima 2.5 S 4-Dr Sedan $102 $236 $262 $16 $78 $694 $58
Altima Hybrid 4-Dr Sedan $116 $236 $262 $16 $78 $708 $59
Altima 2.5 S 2-Dr Coupe $116 $236 $296 $18 $88 $754 $63
Altima 3.5 SR 4-Dr Sedan $116 $236 $262 $16 $78 $708 $59
Altima 3.5 SR 2-Dr Coupe $116 $272 $296 $18 $88 $790 $66
Get Your Own Custom Quote Go

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in specific location information which can raise or lower price quotes significantly.

Rate comparison for different deductibles

One common question asked by Raleigh drivers is what deductibles to buy. The figures shown below determine the rate differences of buying low and high deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Nissan Altima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
Altima 2.5 S 4-Dr Sedan $192 $382 $250 $14 $74 $937 $78
Altima Hybrid 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Altima 2.5 S 2-Dr Coupe $218 $382 $282 $16 $84 $1,007 $84
Altima 3.5 SR 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Altima 3.5 SR 2-Dr Coupe $218 $440 $282 $16 $84 $1,065 $89
Get Your Own Custom Quote Go

Nissan Altima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $156 $262 $250 $14 $74 $756 $63
Altima 2.5 S 4-Dr Sedan $156 $308 $250 $14 $74 $802 $67
Altima Hybrid 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Altima 2.5 S 2-Dr Coupe $176 $308 $282 $16 $84 $866 $72
Altima 3.5 SR 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Altima 3.5 SR 2-Dr Coupe $176 $354 $282 $16 $84 $912 $76
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can decrease or increase coverage prices noticeably.

We can derive from the above data that using a $250 deductible costs about $12 more each month or $144 for a full year than requesting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 21 months between claim filings, you would most likely save money if you elect the higher deductible.

Illustration showing the impact of accidents and violations

The chart below highlights how traffic violations and at-fault collisions can increase Nissan Altima yearly insurance costs for different age groups. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

Does it make sense to buy full coverage?

The chart below shows the comparison of Nissan Altima yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The costs are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.

When to drop comprehensive and collision

There isn’t a steadfast formula to delete physical damage coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Nissan Altima book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some circumstances where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Get rate quotes but buy from a local Raleigh insurance agency

Some consumers just prefer to buy from a local agent and that can be a great decision One of the great benefits of price shopping on the web is the fact that drivers can get the best rates and still have a local agent.

For easy comparison, once you complete this simple form, your coverage information is transmitted to local insurance agents that can provide free Raleigh car insurance quotes for your business. There is no reason to contact an agency because quoted prices will be sent to you directly. You’ll get the best rates AND a local agent. If you want to quote rates from a particular provider, don’t hesitate to search and find their rate quote page and fill out their quote form.

Picking the best company should depend on more than just a cheap price quote. These questions are important to ask:

When narrowing the list to find a reliable insurance agent, it helps to know the two different types of agents and how they can write your policy. Car insurance agents are considered either exclusive or independent (non-exclusive).

Exclusive Car Insurance Agencies

These type of agents write business for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are well trained on their company’s products and that enables them to sell even at higher rates.

Listed below are Raleigh exclusive insurance agencies that are able to give price quote information.

Vincent Boone – State Farm Insurance Agent
7850 Alexander Promenade PI #105Raleigh, NC 27617(919) 957-9009View Map

2869 Jones Franklin RdRaleigh, NC 27606(919) 859-5261View Map

1814 Oberlin Rd #101Raleigh, NC 27608(919) 783-8722View Map

More Raleigh agents

Independent Car Insurance Agents

These type of agents are normally appointed by many insurers and that enables them to quote your coverage with many different companies and help determine which has the cheapest rates. If prices rise, the business is moved internally and you stay with the same agent.

If you need lower rates, you will definitely want to compare quotes from a couple of independent agencies to get the best comparison.

The following are independent insurance agencies in Raleigh who can help you get price quotes.

101 Weston Oaks CtCary, NC 27513(919) 828-4371View Map

1330 St Marys St Suite 250Raleigh, NC 27605(919) 828-7130View Map

3741 Benson DrRaleigh, NC 27609(919) 790-6415View Map

More Raleigh agents

What Determines Nissan Altima Insurance Premiums?

Lots of things are used when you get your auto insurance bill. Some are obvious like an MVR report, although some other factors are not as apparent such as your marital status or your vehicle rating.

Why do I need car insurance?

Despite the high cost of buying insurance for a Nissan Altima in Raleigh, buying auto insurance is required in North Carolina but also provides important benefits.

The benefits of having auto insurance are definitely more than the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $800 each year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.

What is the best car insurance company in Raleigh?

Finding the right car insurance provider can be a challenge considering how many companies sell coverage in North Carolina. The ranking information below can help you choose which coverage providers you want to consider when shopping around.

Top 10 Raleigh Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Smart shoppers get results

You just read many tips how you can get a better price on Nissan Altima insurance in Raleigh. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive Raleigh car insurance quotes. Drivers may even discover the lowest prices come from the smaller companies. Smaller companies often have lower rates on specific markets than their larger competitors like Allstate and Progressive.

Some insurance providers do not provide the ability to get quotes online and many times these smaller companies prefer to sell through independent agents. Cheap Nissan Altima insurance in Raleigh can be sourced from both online companies in addition to local insurance agencies, and you need to price shop both to have the best selection.

Much more information about car insurance in North Carolina is located on the following sites: