The easiest way to find affordable quotes for Nissan Altima insurance is to make a habit of comparing prices annually from insurance carriers who provide car insurance in Stockton.
First, read and learn about how companies set rates and the measures you can take to prevent high rates. Many factors that cause rate increases like traffic citations, accidents, and a poor credit score can be rectified by making minor changes in your lifestyle. Later in this article we will cover more information to prevent expensive rate increases and find discounts that may have been missed.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple companies.
Third, compare the new rates to your current policy premium and see if you can save money. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
The most important part of this process is that you’ll want to make sure you compare identical coverages on every price quote and and to get prices from every insurance company. This ensures a fair price comparison and a complete selection of prices.
We don’t have to tell you that car insurance companies want to keep you from comparing rates. Insureds who get price comparisons are very likely to move their business because there is a high probability of finding good coverage at a lower price. A recent survey revealed that people who routinely compared quotes saved $70 a month as compared to drivers who never shopped around for lower prices.
If saving the most money on auto insurance in Stockton is why you’re reading this, then learning about how to quote prices and compare coverages can help make the process easier.
If you are insured now or need new coverage, use these money-saving tips to find the best rates and possibly find even better coverage. Finding quotes for the lowest cost protection in Stockton is easy to do. Drivers just have to understand the least time-consuming way to shop on the web.
Affordable Nissan insurance rates in Stockton
The companies shown below provide comparison quotes in California. If several companies are displayed, it’s a good idea that you visit as many as you can to get the best price comparison.
Rates and statistics
The premium table displayed next showcases different insurance coverage prices for Nissan Altima models. Having a better idea how insurance prices are established can be valuable when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $238 | $454 | $464 | $28 | $138 | $1,322 | $110 |
| Altima 2.5 S 4-Dr Sedan | $238 | $536 | $464 | $28 | $138 | $1,404 | $117 |
| Altima Hybrid 4-Dr Sedan | $270 | $536 | $464 | $28 | $138 | $1,436 | $120 |
| Altima 2.5 S 2-Dr Coupe | $270 | $536 | $524 | $32 | $156 | $1,518 | $127 |
| Altima 3.5 SR 4-Dr Sedan | $270 | $536 | $464 | $28 | $138 | $1,436 | $120 |
| Altima 3.5 SR 2-Dr Coupe | $270 | $616 | $524 | $32 | $156 | $1,598 | $133 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in specific Stockton garaging location which can revise premiums considerably.
Deductible comparison
When shopping for auto insurance, a common question is which deductible level should you buy. The comparisons below can help show the rate differences when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Altima 2.5 S 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Altima Hybrid 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Altima 2.5 S 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Altima 3.5 SR 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Altima 3.5 SR 2-Dr Coupe | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific location which can revise premiums greatly.
Based on the above data, using a $250 deductible will cost in the ballpark of $35 more each month or $420 a year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 21 months between claim filings, you would save more money if you elect the higher deductible.
The example below shows how different deductible levels and can influence Nissan Altima insurance prices for each different age category. The costs are based on a married female driver, full coverage, and no additional discounts are factored in.
Impact of citations and accidents on insurance rates
The chart below illustrates how violations and at-fault claims can influence Nissan Altima insurance rates for different age groups of insureds. The data assumes a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Nissan Altima insurance rates by age and gender
The chart below illustrates the difference between Nissan Altima premium costs for male and female drivers. The rates are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are applied.
Difference between full coverage and liability only rates
The illustration below shows the comparison of Nissan Altima insurance rates with and without physical damage coverage. Data assumes no claims or driving violations, $250 deductibles, single marital status, and no discounts are factored in.
When to drop full coverage
There is no clear-cut formula to eliminate comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Nissan Altima settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying your policy deductible. If it’s costing in excess of $500 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Stockton insurance discounts for a Nissan Altima
Some companies don’t necessarily list the complete list of policy discounts very well, so the following is a list of a few of the more well known and the harder-to-find credits that you can use to lower your rates.
- Claim-Free Discount – Insureds who avoid accidents and claims pay much less when compared with bad drivers.
- Organization Discounts – Belonging to qualifying employment or professional organizations may earn a discount on your policy.
- Braking Control Discount – Cars and trucks with ABS and/or traction control have fewer accidents so companies give up to a 10% discount.
- Federal Employees – Federal government employees could cut as much as 10% off with select insurance companies.
- Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save up to 15% off the personal injury premium cost.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Save with More Vehicles Insured – Buying insurance for more than one vehicle with the same auto insurance company may reduce the rate for each vehicle.
- Distant Student Discount – Kids who live away from home to go to college and leave their car at home can be insured at a reduced rate.
Remember that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky.
The information below illustrates the comparison of Nissan Altima car insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision 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, claim-free, homeowner, multi-policy, marriage, and multi-car discounts applied.
A partial list of companies that may offer these benefits include:
Double check with all the companies how you can save money. Savings may not apply to policyholders in every state.
You may need specialized insurance coverage
When quoting and choosing the best insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.
For instance, these questions can help discover whether or not you will benefit from professional help.
- Am I covered when driving a rental car?
- Is other people’s property covered if stolen from my vehicle?
- Does liability extend to a camper or trailer?
- Is my Nissan Altima covered for smoke damage?
- What companies insure drivers after a DUI or DWI?
- What is UM/UIM insurance?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.
Get rate quotes but still have a local Stockton insurance agency
A lot of people just want to have an agent’s advice and doing so can bring peace of mind Experienced insurance agents are trained to spot inefficiencies and will help you if you have claims. One of the best bonuses of comparing insurance prices online is that you can obtain better rates and still have a local agent. Buying insurance from neighborhood agents is definitely important in Stockton.
Once you complete this simple form, your insurance coverage information is immediately sent to local insurance agents that can give you free Stockton car insurance quotes for your insurance coverage. It’s much easier because you don’t need to leave your house as quotes are delivered instantly to you. In the event you want to get a rate quote from a specific insurance company, just visit that company’s website and submit a quote form there.
Insurance agent types
If you are wanting to purchase car insurance from a reliable agent, it’s important to understand the types of insurance agents and how they can service your needs differently. Car insurance agents may be either exclusive agents or independent agents. Either one can write policy coverage, but it is a good idea to know the subtle differences since it may influence your selection of an agent.
Independent Car Insurance Agencies or Brokers
Agents of this type are not employed by any specific company so they can write business with a variety of different insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply switch companies in-house and you won’t have to switch agencies.
When shopping rates, you need to include rate quotes from at a minimum one independent agency to have the best price comparison. Many independent agencies also insure through smaller companies that can offer cheaper rates than bigger companies.
Below is a list of independent insurance agents in Stockton that may be able to provide comparison quotes.
- Banuelos Insurance Agency
2300 Waterloo Rd – Stockton, CA 95205 – (209) 513-3248 – View Map - Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433 – View Map - Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 – Stockton, CA 95207 – (209) 405-1088 – View Map
Exclusive Insurance Agencies
Exclusive agents write business for a single company and some examples include American Family, State Farm, and AAA. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive insurance agents receive extensive training on their company’s products and that enables them to sell even at higher rates. Some consumers prefer to use the same agent mostly because of the prominent brand name and the convenience of having all coverages with one company.
Below is a list of exclusive agencies in Stockton who can help you get price quote information.
- Farmers Insurance – Celine Vien
7743 West Ln, Ste C4 – Stockton, CA 95210 – (209) 476-8222 – View Map - Farmers Insurance: Olivia Lara
4110 N El Dorado St – Stockton, CA 95204 – (209) 518-9465 – View Map - Farmers Insurance – Reklai Salazar
7843 N Pershing Ave – Stockton, CA 95207 – (209) 407-4000 – View Map
Finding a good auto insurance agent requires more thought than just a low price. The following questions are important to ask.
- Does the agent recommend any additional coverage?
- Are they in the agency full-time?
- Does the company have a local claim office in Stockton?
- Are they able to influence company decisions when a claim is filed?
- What kind of financial rating does the company have?
- What insurance companies do they work with in Stockton?
- Will high miles depreciate repair valuations?
- In the event of vehicle damage, can you pick the collision repair facility?
One last thing to lower rates
When shopping online for car insurance, never buy less coverage just to save a little money. In many cases, an accident victim reduced physical damage coverage only to find out that they should have had better coverage. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.
We covered a lot of ways to lower your Nissan Altima insurance prices in Stockton. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may even discover the best price on car insurance is with the least-expected company.
People switch companies for any number of reasons including being labeled a high risk driver, high rates after DUI convictions, unfair underwriting practices and even extreme rates for teen drivers. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
Even more information is available at these sites:
- Older Drivers FAQ (iihs.org)
- Who Has Affordable Stockton Car Insurance Quotes for a Honda Accord? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Jeep Wrangler in Stockton? (FAQ)
- Who Has the Cheapest Stockton Auto Insurance for a Nissan Rogue? (FAQ)
- Who Has Affordable Stockton Car Insurance Quotes for a Nissan Altima? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)