Searching for more affordable Nissan Altima insurance in Jacksonville? Buying the most affordable Jacksonville Nissan Altima insurance quotes over the internet can be somewhat intimidating for drivers new to quoting and buying insurance on the internet. With such a large choice of companies competing online, how are drivers able to even start to compare every company to locate better insurance prices?
Shocking but true, nearly 70% of drivers have remained with the same insurance company for four years or more, and practically 40% of insurance customers have never taken the time to shop around. Jacksonville consumers can save hundreds of dollars each year just by shopping around, but they assume it’s a waste of time to compare other rate quotes.
If you have car insurance now, you will definitely be able to find better prices using this information. Comparison shopping for affordable policy in Jacksonville is easy to do. Although Florida drivers do need to understand how insurance companies calculate their prices because it varies considerably.
The best way to get policy rate comparisons for Nissan Altima insurance in Jacksonville takes advantage of the fact all the major auto insurance companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details like your credit rating estimate, whether the vehicles are used for commuting, the year, make and model of vehicles, and if you require a SR-22. That rating data is then sent to multiple different insurance companies and you get price estimates immediately.
To start a quote now, click here and see if a lower rate is available in Jacksonville.
The companies shown below are our best choices to provide free rate quotes in Florida. If multiple companies are listed, we suggest you visit as many as you can in order to find the cheapest rates.
Insurance coverage analysis
The premium information displayed below outlines a range of insurance costs for Nissan Altima models. Having a better understanding of how insurance policy rates are established is important for making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $278 | $532 | $472 | $28 | $142 | $1,452 | $121 |
| Altima 2.5 S 4-Dr Sedan | $278 | $628 | $472 | $28 | $142 | $1,548 | $129 |
| Altima Hybrid 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
| Altima 2.5 S 2-Dr Coupe | $312 | $628 | $532 | $32 | $160 | $1,664 | $139 |
| Altima 3.5 SR 4-Dr Sedan | $312 | $628 | $472 | $28 | $142 | $1,582 | $132 |
| Altima 3.5 SR 2-Dr Coupe | $312 | $722 | $532 | $32 | $160 | $1,758 | $147 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific garaging location which can impact price quotes noticeably.
The information below shows how different deductible levels and can change Nissan Altima premium costs for different age groups of insureds. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.
What Affects Nissan Altima Insurance Rates?
Multiple criteria are part of the equation when you get your auto insurance bill. Some factors are common sense like your driving record, but other factors are more transparent such as whether you are married or your vehicle rating. An important part of buying insurance is that you know the different types of things that go into determining your insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that could help you find lower rates.
Prices and your address – Being located in areas with lower population has definite advantages when trying to find low car insurance rates. People in densely populated areas have to deal with more aggressive driving styles and more severe claims. Lower population translates into fewer accident claims and a lower car theft rate.
Single drivers may pay more – Being married helps lower the price compared to being single. Having a spouse means you’re more mature than a single person and insurance companies like that married drivers get in fewer accidents.
Save mileage and save money – The more miles you rack up on your Nissan each year the more you will pay for insurance. A lot of companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your insurance coverage properly reflects the proper vehicle usage. Improper usage on your Altima can result in significantly higher rates.
Rates go up with performance – The performance of the vehicle you need insurance for makes a significant difference in how high your rates are. Lower performance four cylinder passenger models usually have the lowest premiums, but other factors influence the final cost greatly.
The following chart uses these assumptions: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It illustrates Nissan Altima rates compared to other makes and models that have different performance risks.
Extra policy coverages can cost a lot – There are quite a few extra add-on coverages that may not really be needed when buying insurance. Insurance for things like vanishing deductibles, towing, and membership fees could be just wasting money. These coverages may sound good when buying your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
Poor driving leads to higher rates – How you drive impacts your car insurance rates tremendously. Having just one driving citation can increase the cost of insurance twenty percent or more. Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers unfortunate enough to have dangerous tickets such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
The information below shows how violations and at-fault accidents raise Nissan Altima auto insurance costs for different categories of driver ages. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied.
Are males or females drivers cheaper? – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean men are WORSE drivers than women. Men and women have auto accidents in similar numbers, but the male of the species get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
The information below shows the comparison of Nissan Altima insurance premiums for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Nissan Altima statistical loss data – Insurers factor in insurance loss information when setting rates for each model. Models that the statistics show to have a trend towards higher claim severity or frequency will cost more for coverage. The information below illustrates the compiled insurance loss statistics for Nissan Altima vehicles.
For each type of coverage, the loss probability for all vehicles, as a total average, is equal to 100. Values that are 100 or less are indicative of better than average losses, while percentages above 100 point to more frequent losses or an increased chance of larger losses than average.
| Vehicle 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
It may be expensive, but it’s not optional
Even though it can be expensive, auto insurance is required in Florida but also provides important benefits.
- The majority of states have minimum liability requirements which means you are required to buy a minimum amount of liability in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your vehicle has a loan, it’s most likely the lender will make it mandatory that you have comprehensive coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Nissan at a much higher rate and require you to reimburse them for it.
- Auto insurance preserves not only your car but also your financial assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your policy will pay to repair the damage.
The benefits of insuring your Altima more than cancel out the cost, especially when you need to use it. As of last year, the average driver in Florida overpays more than $800 each year so shop around at least once a year to make sure the price is not too high.