Finding the cheapest insurance for a Nissan Altima in Ohio is normally pretty easy, but it is dependent upon an enormous amount of rating factors such as your financial responsibility, if you have prior claims, and any prior driving offenses. Drivers in Ohio will pay on average $695 annually to insure their Altima, but that is an estimate based on a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
More likely than not, you are not 50 years old and maybe not even female, single instead of married, or maybe your Altima is old enough that it doesn’t require full coverage. Have just a small change in policy rating criteria or coverages can make a big difference in the amount insurance costs for a Nissan Altima.
This illustrates why the best way to find the cheapest rates for your Nissan is to do the rate comparisons yourself.
Compare Nissan Altima Insurance Rates
Vehicle trim level has an effect on the cost of insurance, so the price you will pay to insure a Altima 2.5 4-Dr Sedan will be $164 cheaper than the insurance cost for the more costly Altima 3.5 SR 2-Dr Coupe model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| Altima 2.5 S 4-Dr Sedan | $150 | $344 | $214 | $12 | $64 | $784 | $65 |
| Altima Hybrid 4-Dr Sedan | $170 | $344 | $214 | $12 | $64 | $804 | $67 |
| Altima 2.5 S 2-Dr Coupe | $170 | $344 | $242 | $14 | $72 | $842 | $70 |
| Altima 3.5 SR 4-Dr Sedan | $170 | $344 | $214 | $12 | $64 | $804 | $67 |
| Altima 3.5 SR 2-Dr Coupe | $170 | $398 | $242 | $14 | $72 | $896 | $75 |
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in vehicle location which can impact prices considerably.
Picking a high-quality car insurance company is hard considering how many choices drivers have in Toledo. The company ratings in the next section may help you analyze which companies to look at when trying find the best insurance for a Nissan Altima.
The ratings below only include companies that insure vehicles across America, so smaller regional companies are not factored into the list. If you wish to compare rates from these and other top-rated companies, simply click here.
Top 10 Major Auto Insurance Companies Overall in Toledo
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The illustration below shows how different deductible levels can impact premium costs when trying to find cheap insurance for a Nissan Altima. The price estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
A 50-year-old driver could cut expenses by $216 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $324 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could possibly save as much as $718 or even more by selecting a higher deductible. When raising deductibles, it is important to have enough funds in savings to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Why you should shop around for Altima insurance
Toledo insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Improving your credit rating, moving to a new city, or getting a couple of tickets can cause premium changes resulting in some rates now being cheaper than competitors.
In addition to those changes, insurance companies change rates at least once a year in order to offset underwriting gains or losses. Significantly higher claims may result in higher prices, while lower claim levels may result in lower-priced Altima insurance rates.
To illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Toledo, OH for a 35-year-old male driver with no accidents or violations, and good financial standing. When quoting prices based on his personal risk profile, Utica National has the lowest car insurance rates in Toledo at $816 a year. This is $224 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Travelers, and Frankenmuth are also on the list of the top five cheapest Toledo, OH auto insurance companies.
Let’s now give the driver from the first set of rates some claims, less-than-perfect credit, and a blemish on his driving record. Due to the fact that every insurance company uses their own calculation for filing rates in each state, comparing insurance quotes could result in a new list of cheap Toledo auto insurance companies as shown below.
Cincinnati Insurance now has the cheapest auto insurance in Toledo, OH with Merchants Insurance Group, Motorists Mutual, General Casualty, and Grange Mutual also having competitive pricing. This example proves why consumers need to shop around to get the cheapest car insurance quotes for a Nissan Altima.
Rates are calculated by many things and change frequently, so the cheapest rate the last time you shopped around may now be one of the higher cost companies.
How to find low-cost insurance for a Nissan Altima
It is possible to find better rates, and here are some of the recommended thrifty ideas that can help you get cheap coverage.
- Tickets and violations raise rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Bundle home and auto and earn a discount
- Maintain a safe distance and avoid accidents
- Drive safe vehicles
- Pay less by remaining claim-free
- Look for cheaper rates once a year by shopping around
The final tip is highly valuable, as we emphasized in this article. Prices charged by car insurance companies can change considerably in a year, so don’t be tentative to buy from a new company if a cheaper rate is available. Having brand loyalty is commendable, but is isn’t recommended if that devotion results in you overpaying hundreds of dollars year after year. Now is a great time to compare rates and find cheaper car insurance for a Nissan Altima in Toledo.
The agents shown below can most likely help you make a decision which auto insurance policy fits you best, as lots of drivers aren’t clear which coverage they need and would like to have some advice when shopping for the best coverage for an Altima. It can be complicated to do it yourself, and getting advice from a licensed agent can bring satisfaction knowing you have sufficient coverage for your assets. To find an auto insurance agency closest to you, click the button at the bottom of the list or click here to compare rates now.
- Kranz PJ Insurance Agency
4349 Talmadge Rd – Toledo, OH 43623 – (419) 473-2416 - Jeff Traudt – State Farm Insurance Agent
2828 Central Ave – Toledo, OH 43606 – (419) 473-3276 - Allstate Insurance: William Swade
2114 N Reynolds Rd – Toledo, OH 43615 – (419) 536-9166 - House of Insurance
5801 Telegraph Rd – Toledo, OH 43612 – (419) 476-8436 - Knight Insurance Group
22 N Erie St – Toledo, OH 43624 – (419) 241-5133