Discount Nissan Altima insuranceTrying to find low-cost Nissan Altima insurance in Charlotte? No one in their right mind likes buying insurance, especially when they are aware that the cost is way too high.

A study showed that almost 70% of insureds have purchased from the same company for over three years, and just under half have never shopped around. North Carolina drivers can cut their rates by 10% a year by just shopping around, but they assume it's a waste of time to compare rates and save money.

Companies like Allstate, Liberty Mutual and State Farm continually bombard you with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.

To get cheaper Charlotte car insurance quotes, there a variety of ways to compare prices from companies that offer car insurance in North Carolina. The recommended way to find the lowest Nissan Altima rates is to jump online and get quotes.

Getting quotes online is very simple and it takes the place of having to drive to different Charlotte agent offices. Comparing Nissan Altima insurance rate quotes online reduces the need to sit down with an agent unless your situation requires the professional guidance only provided by licensed Charlotte agents. It is possible to get prices online and get advice from an agent in your area.

Just remember that comparing more prices helps increase your odds of locating the best rates. Not every company allows you to get price estimates online, so it's necessary to compare prices on coverage from those companies, too.

The providers in the list below are ready to provide quotes in Charlotte, NC. If the list has multiple companies, we recommend you visit as many as you can to get a more complete price comparison.

Nissan Altima Insurance Estimates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $166 $334 $282 $16 $84 $882 $74
Altima 2.5 S 4-Dr Sedan $184 $470 $282 $16 $84 $1,036 $86
Altima Hybrid 4-Dr Sedan $210 $374 $254 $16 $76 $930 $78
Altima 2.5 S 2-Dr Coupe $218 $382 $282 $16 $84 $982 $82
Altima 3.5 SR 4-Dr Sedan $202 $308 $326 $20 $98 $954 $80
Altima 3.5 SR 2-Dr Coupe $170 $400 $366 $22 $110 $1,068 $89
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price information does not factor in zip code location which can impact premium rates greatly.

Choosing deductibles

One of the most common car insurance questions is how high should your deductibles be. The rates below summarize the difference in cost between high and low policy deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Nissan Altima insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $214 $386 $250 $14 $74 $963 $80
Altima 2.5 S 4-Dr Sedan $214 $456 $250 $14 $74 $1,033 $86
Altima Hybrid 4-Dr Sedan $242 $456 $250 $14 $74 $1,061 $88
Altima 2.5 S 2-Dr Coupe $242 $456 $282 $16 $84 $1,105 $92
Altima 3.5 SR 4-Dr Sedan $242 $456 $250 $14 $74 $1,061 $88
Altima 3.5 SR 2-Dr Coupe $242 $524 $282 $16 $84 $1,173 $98
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Nissan Altima insurance 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
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can lower or raise rates substantially.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $20 more each month or $240 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 20 months between claims, you would save money if you elect the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $89
Average monthly premium for $500 deductibles (subtract): - $69
Monthly savings from raising deductible: $20
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

Nissan Altima liability rates compared to full coverage

The chart below illustrates the difference between Nissan Altima car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no at-fault accidents, $100 deductibles, single female driver, and no policy discounts are applied.

When to drop comp and collision

There is no clear-cut rule to delete physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's assume your Nissan Altima replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after paying your policy deductible. If premiums are more than $700 a year for physical damage coverage, then it could be time to drop full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Cut your auto insurance rates with these five discounts

Car insurance companies don't list the complete list of policy discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known credits available to you.Discount auto insurance

It's important to note that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, auto insurance companies aren't that generous.

To find insurers that offer multiple discounts in Charlotte, click here to view.

Buying the right Altima insurance in North Carolina is an important decision

Despite the potentially high cost of Nissan Altima insurance, insurance is most likely required but also gives you several important benefits.

First, the majority of states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance coverage if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Nissan Altima, almost all lenders will make it a condition of the loan that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank may buy a policy for your Nissan at an extremely high rate and require you to fork over for the expensive policy.

Third, insurance protects both your assets and your Nissan. Insurance will pay for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. But the average driver in North Carolina overpays as much as $869 every year so compare rate quotes at every renewal to help ensure money is not being wasted.

Your auto insurance coverage should be tailored to you

When choosing a policy, there isn't really a one size fits all plan. Everyone's situation is a little different and your policy should reflect that.Drive safe and save These are some specific questions could help you determine if your situation might need professional guidance.

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Buying from insurance agents

Many people would rather visit with an insurance agent and doing so can bring peace of mind The best thing about comparing rates online is you may find the best rates but still work with a licensed agent.

Charlotte insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to agents in your area that give free quotes to get your business. It simplifies rate comparisons since you won't have to even leave your home because quoted prices will be sent to the email address you provide. You'll get the best rates without the usual hassles of price shopping. If you need to compare rates from a specific company, just visit that company's website and fill out their quote form.

Choosing an insurance company requires more thought than just a cheap quote. The answers to these questions are important, too.

How to choose the best auto insurance agent in Charlotte

If you want a good Charlotte insurance agent, it's helpful to know the different agency structures and how they operate. Charlotte agents can be described as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. They are usually well trained on their company's products which helps them sell insurance even at higher premiums.

Below are exclusive agencies in Charlotte willing to provide rate quotes.

Gary Kochman - State Farm Insurance Agent
9539 Idlewild Rd - Charlotte, NC 28227 - (704) 545-4422 - View Map

Brian McCaw - State Farm Insurance Agent
5950 Fairview Rd #220 - Charlotte, NC 28210 - (704) 554-0144 - View Map


1001 W W.T. Harris Blvd m - Charlotte, NC 28213 - (704) 549-1710 - View Map

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Independent Insurance Agents

These agents do not write with just one company so they can write business through many companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house which is easy for the insured. If you need cheaper car insurance rates, you need to get several quotes from several independent insurance agents for maximum quote selection.

Listed below is a list of independent insurance agencies in Charlotte that are able to give comparison quotes.


212 S Tryon St #1605 - Charlotte, NC 28281 - (704) 885-8006 - View Map


3121 Springbank Ln F - Charlotte, NC 28226 - (704) 752-8233 - View Map


5534 Albemarle Rd Ste 105 - Charlotte, NC 28212 - (704) 563-7777 - View Map

More insurance agents

Upon receiving good answers to all your questions and a low price estimate, you may have just found an auto insurance agent that meets your needs to properly insure your vehicles.

Car insurance coverage basics

Learning about specific coverages of car insurance aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane, fire damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Nissan Altima.

Since a lot of drivers only purchase the least amount of liability that is required (North Carolina limits are 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability insurance

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 30/60/25 which stand for $30,000 in coverage for each person's injuries, $60,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, repair bills for other people's vehicles, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase as much as you can afford. North Carolina state law requires minimum liability limits of 30/60/25 but you should consider buying more liability than the minimum.

Collision protection

This will pay to fix damage to your Altima resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, sideswiping another vehicle, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible on your Altima to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills such as surgery, nursing services and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage