Insurance rates Nissan Altima in AtlantaAre you sick of overpaying and want low-cost Nissan Altima insurance in Atlanta? Are you at wits end from scraping nickels together to pay high auto insurance rates every month? Your situation is no different than most other vehicle owners in Georgia.

Sad but true, the vast majority of consumers in Georgia have purchased from the same company for at least the last four years, and nearly the majority have never compared auto insurance rates at all. The average driver in the U.S. could save almost 46.5% a year by just comparing quotes, but they just feel it's too hard to go online and compare rates.

Companies like State Farm, Progressive and GEICO promote their brand names with ad campaigns and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

You need to do rate comparisons once or twice a year since insurance prices go up and down regularly. If you had the best deal on Nissan Altima insurance in Atlanta six months ago you may be paying too much now. Block out anything you think you know about auto insurance because we're going to demonstrate the right way to find better coverage on Nissan Altima insurance in Atlanta at a better price.

Cheap car insurance in Atlanta, GA

The providers in the list below offer price comparisons in Georgia. If multiple companies are listed, we suggest you click on several of them to get the most affordable price.

Nissan Altima Insurance Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $304 $512 $394 $24 $118 $1,352 $113
Altima 2.5 S 4-Dr Sedan $298 $694 $476 $28 $142 $1,638 $137
Altima Hybrid 4-Dr Sedan $392 $604 $516 $30 $154 $1,696 $141
Altima 2.5 S 2-Dr Coupe $374 $828 $538 $32 $162 $1,934 $161
Altima 3.5 SR 4-Dr Sedan $218 $414 $378 $22 $114 $1,146 $96
Altima 3.5 SR 2-Dr Coupe $182 $428 $502 $30 $150 $1,292 $108
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium costs do not factor in garaging location in Atlanta which can change coverage prices significantly.

Cautious drivers save money

The chart below demonstrates how traffic citations and at-fault claims can increase Nissan Altima insurance premiums for each different age group. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

Auto insurance deductibles

One common question asked by Atlanta drivers is where to set your physical damage deductibles. The following insurance rates approximate the rate difference when you select higher and lower insurance deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Nissan Altima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $304 $512 $394 $24 $118 $1,377 $115
Altima 2.5 S 4-Dr Sedan $304 $604 $394 $24 $118 $1,469 $122
Altima Hybrid 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Altima 2.5 S 2-Dr Coupe $344 $604 $444 $26 $134 $1,577 $131
Altima 3.5 SR 4-Dr Sedan $344 $604 $394 $24 $118 $1,509 $126
Altima 3.5 SR 2-Dr Coupe $344 $694 $444 $26 $134 $1,667 $139
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Nissan Altima insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $248 $414 $394 $24 $118 $1,198 $100
Altima 2.5 S 4-Dr Sedan $248 $486 $394 $24 $118 $1,270 $106
Altima Hybrid 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Altima 2.5 S 2-Dr Coupe $278 $486 $444 $26 $134 $1,368 $114
Altima 3.5 SR 4-Dr Sedan $278 $486 $394 $24 $118 $1,300 $108
Altima 3.5 SR 2-Dr Coupe $278 $560 $444 $26 $134 $1,442 $120
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in vehicle location which can revise price quotes significantly.

We can estimate from the data above that using a $250 deductible costs roughly $18 more each month or $216 for a full year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 14 months between claims, you would probably save some money if you choose a higher deductible. The table below shows an example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $127
Average monthly premium for $500 deductibles (subtract): - $109
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

An important thing to remember is that raising deductibles to save money means you will have to pay more out-of-pocket when you do file a claim. You need a higher level of savings in order to pay more to get your vehicle repaired.

Nissan Altima Insurance Premiums Can Be More Affordable

Many things are used when you quote your car insurance policy. Some are obvious like a motor vehicle report, but some are not as apparent such as your marital status or your vehicle rating.

Add-on coverages you don't use - There are a ton of extra add-on coverages that you can buy on your auto insurance policy. Insurance for things like vanishing deductibles, accident forgiveness, and Farm Bureau memberships are some examples. The coverages may be enticing when deciding what coverages you need, but now you might not need them so eliminate them to save money.

Keep the miles off and save - The higher the miles on your Nissan every year the more it will cost to insure it. The majority of insurers calculate prices based upon how you use the vehicle. Vehicles that have low annual miles receive better premium rates than vehicles that have high annual mileage. It's a smart idea to ensure your auto insurance policy reflects how each vehicle is driven. Improper usage on your Altima may be costing you.

Marriage discount - Getting married can get you a discount on your policy. Having a spouse translates into being more mature and responsible and statistics show married drivers get in fewer accidents.

Liability coverage - The liability section of your policy is the protection when you are ruled to be at fault for damages from an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.

Reserve policy claims for larger damages - If you file a lot of claims you should expect higher premiums or even policy non-renewal. Car insurance companies in Georgia give better rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for more catastrophic claims.

No policy lapses saves money - Driving without insurance is illegal and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the Georgia motor vehicle department.

Drive a fast car, truck or SUV and pay more - The performance level of the vehicle you are trying to find cheaper insurance for makes a big difference in how high your rates are. Since the Nissan Altima is considered a sedan, insuring your vehicle will cost about the same when compared to the average rates in Atlanta. The lowest performance passenger models usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.

Poor driving leads to higher premiums - Only having one citation may cause rates to rise by as much as thirty percent. Drivers with clean records get better prices than their less careful counterparts. Drivers who have received careless citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.

Nissan Altima historical loss data - Insurers use statistical claims data as a way to help calculate a profitable premium rate. Models that statistically have a trend towards higher claims will have higher premium rates. The table below illustrates the historical loss data for Nissan Altima vehicles.

For each policy coverage, the claim amount for all vehicles averaged together is a value of 100. Numbers that are below 100 imply a favorable loss record, while numbers above 100 indicate a higher chance of having a claim or tendency to have higher losses.

Car Insurance Loss Data for Nissan Altima Models

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Altima 110 97 119 144 147 114

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Do you qualify for discounts on Nissan Altima insurance in Atlanta?

Auto insurance companies don't list every discount they offer very well, so we took the time to find a few of the more common as well as some of the hidden credits available to lower your premiums when you buy Atlanta car insurance online.Insurance discounts

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like it's possible to get free car insurance, it just doesn't work that way.

Some companies that may offer quotes with some of the above discounts possibly include:

When comparing rates, check with every prospective company the best way to save money. Some discounts may not apply in Atlanta. To view insurance companies who offer online Nissan Altima insurance quotes in Atlanta, click here.

Car insurance is available from agents near you

A lot of people still like to sit down and talk to an agent and that is a personal choice. One of the benefits of getting free rate quotes online is that you can find lower auto insurance rates and still have a local agent.

By using this form (opens in new window), your insurance data is sent to companies in Atlanta who will give competitive quotes for your business. It makes it easy because there is no need to contact an agency because prices are sent immediately to you. You can find better rates and an insurance agent to talk to. If you need to quote rates from one company in particular, feel free to jump over to their website and give them your coverage information.

Selecting an company shouldn't rely on just the price. Any agent in Atlanta should be forthright in answering these questions:

Two different types of auto insurance agents

If you are wanting to find a local Atlanta insurance agent, you must know there are a couple types of insurance agents and how they are slightly different. Car insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents that choose to be exclusive work for only one company such as State Farm, Allstate, and Farm Bureau. They usually cannot shop your coverage around so you might not find the best rates. Exclusive agencies are usually well trained on what they offer and that enables them to sell even at higher rates.

The following are exclusive insurance agencies in Atlanta who can help you get price quote information.

1218 Fairburn Rd SW #204 - Atlanta, GA 30331 - (404) 682-1940 - View Map

674 North Highland Avenue Northeast b - Atlanta, GA 30306 - (678) 904-6621 - View Map

215 Piedmont Ave NE #1 - Atlanta, GA 30308 - (404) 524-2292 - View Map

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Independent Car Insurance Agencies

Independent agents are not required to write business for one company and that allows them to write policies with many different companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and the insured can keep the same agent. When comparing rates, you should always compare quotes from several independent agencies so that you have a good selection of quotes to compare.

Listed below are independent insurance agencies in Atlanta that can give you comparison quotes.

2800 Century Pkwy NE #300 - Atlanta, GA 30345 - (404) 633-4321 - View Map

1830 Water Pl #105 - Atlanta, GA 30339 - (404) 892-2864 - View Map

1100 Cir 75 Pkwy SE #140 - Atlanta, GA 30339 - (800) 634-2903 - View Map

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Smart consumers save more

In this article, we covered a lot of ways to reduce Nissan Altima insurance rates online in Atlanta. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates are with the least-expected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed uninsured motorist or liability limits and learned later that the savings was not a smart move. Your focus should be to buy the best coverage you can find at the best price and still be able to protect your assets.

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