Insurance for Nissan AltimaPricey Nissan Altima insurance in Raleigh can empty your savings and put the squeeze on your family's finances.

Shockingly, most insurance customers have remained with the same insurance company for more than four years, and almost 40% of drivers have never compared insurance rates at all. Consumers in North Carolina could save roughly $90 a year just by getting comparison quotes, but they just don't understand the big savings they would realize if they swap their current policy for a cheaper one. Due to the abundance of companies and agents to choose from, it's nearly impossible to choose the right insurance provider.

It's a great practice to get comparison quotes occasionally since prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on Nissan Altima insurance in Raleigh two years ago a different company probably has better rate quotes today. Block out anything you think you know about insurance because I'm going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

The intent of this article is to let you in on the best methods to compare rates and also save some money in the process If you have a policy now, you will surely be able to find better prices using the ideas you're about to read. Vehicle owners just have to learn the most effective way to get comparison rates online.

Best companies for Nissan Altima insurance

The companies shown below are ready to provide price comparisons in Raleigh, NC. If the list has multiple companies, we suggest you visit several of them in order to get a fair rate comparison.

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 $282 $16 $84 $684 $57
Altima 2.5 S 4-Dr Sedan $220 $382 $326 $20 $98 $1,046 $87
Altima Hybrid 4-Dr Sedan $210 $374 $254 $16 $76 $930 $78
Altima 2.5 S 2-Dr Coupe $136 $256 $264 $16 $80 $752 $63
Altima 3.5 SR 4-Dr Sedan $276 $456 $326 $20 $98 $1,176 $98
Altima 3.5 SR 2-Dr Coupe $116 $272 $296 $18 $88 $790 $66
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Table data does not factor in garaging location in Raleigh which can alter rates greatly.

Safe drivers pay less for car insurance

The information below highlights how traffic violations and at-fault collisions can drive up Nissan Altima car insurance costs for different age groups of insureds. The price estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

Liability only or full coverage

The example below shows the difference between Nissan Altima auto insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, married female driver, and no discounts are factored in.

Guidelines for dropping full coverage

There is no clear-cut formula to eliminate comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's pretend your Nissan Altima claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying more than $600 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some situations where buying only liability insurance is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Higher deductibles lower rates

The example below illustrates how your choice of deductibles and can change Nissan Altima insurance premiums for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Why You Might Pay Higher Rates in Raleigh

The best way to find cheaper insurance is to take a look at some of the elements that are used to determine your policy premiums. If you understand what determines base rates, this allows you to make good choices that may result in lower insurance prices. Lots of factors are part of the equation when you quote your car insurance policy. Some are obvious such as traffic violations, but others are less obvious like your continuous coverage or your commute time.

The items below are some of the items insurance companies consider when setting your premiums.

You may qualify for discounts for Nissan Altima insurance in Raleigh

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be asked about before they will apply. If you check and find you aren't receiving every discount you deserve, you are just wasting money.Save money with discounts

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Even though it appears you can get free auto insurance, nobody gets a free ride.

A few popular companies and some of the premium reductions they offer can be found below.

If you want cheaper Raleigh car insurance quotes, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in Raleigh. To find insurance companies with significant discounts in North Carolina, click here to view.

What if I want to buy from local Raleigh insurance agents?

Some consumers still like to have an agent's advice and that is a personal choice. Agents are trained risk managers and will help you if you have claims. A nice benefit of getting free rate quotes online is you can get the best rates but still work with a licensed agent. Buying from and supporting local insurance agencies is important particularly in Raleigh.

Raleigh insurance agentsOnce you complete this form (opens in new window), your insurance data is emailed to local insurance agents who will gladly provide quotes to get your business. It makes it easy because there is no need to search for an agent since rate quotes are delivered instantly to you. If you have a need to compare prices from a particular provider, don't hesitate to find their quoting web page to submit a rate quote request.

If you are wanting to find a local Raleigh insurance agency, there are two different types of agencies that you can choose from. Car insurance agencies can be categorized as either independent or exclusive depending on the company they work for. Either one can provide car insurance policies, but it's a good idea to understand the difference in how they write coverage since it can affect your selection of an agent.

Independent Car Insurance Agents

Independent agents do not write with just one company so they can write business through lots of different companies enabling the ability to shop coverage around. If they find a lower price, your agent can switch companies which requires no work on your part. If you are comparing rate quotes, you definitely need to compare quotes from at a minimum one independent agency for the best price selection.

Shown below is a list of independent agencies in Raleigh that may be able to provide price quote information.

4004 Barrett Dr #206 - Raleigh, NC 27609 - (919) 844-2995 - View Map

557 Pylon Dr a - Raleigh, NC 27606 - (919) 833-3803 - View Map

3901 Barrett Dr Suite 312 - Raleigh, NC 27609 - (919) 772-7698 - View Map

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Exclusive Insurance Agents

Agents that elect to be exclusive normally can only provide a single company's rates like State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot compare rates from other companies so keep that in mind. They are well schooled on their products and sales techniques which helps them compete with independent agents.

Listed below is a list of exclusive agents in Raleigh willing to provide comparison quotes.

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

8201 Rowlock Way Suite 112 - Raleigh, NC 27613 - (919) 782-3333 - View Map

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

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Finding the right car insurance agent should depend on more than just the bottom line cost. Any agent in Raleigh should have no problem answering these questions:

If you get satisfactory answers to all your questions and an affordable coverage quote, chances are good that you have found a car insurance agent that is reputable and can adequately provide car insurance.

Lower rates by being persistent

Throughout this article, we presented quite a bit of information on how to reduce Nissan Altima insurance rates online in Raleigh. It's most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even discover the best rates are with a smaller regional carrier. Some small companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Budget-friendly auto insurance in Raleigh can be found both online and from local agencies, so you need to quote Raleigh car insurance with both to have the best selection. There are still a few companies who don't offer internet price quotes and most of the time these regional insurance providers only sell coverage through local independent agents.

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