Insurance for Nissan AltimaWould you like to stop overpaying and find cheaper Nissan Altima insurance in Seattle? Did you make the mistake of buying overpriced Nissan Altima insurance in Seattle? You're in good company because you're not the only one.

Regrettably, almost 70% of insureds in Washington have stayed with the same insurance company for more than four years, and just short of a majority have never quoted auto insurance rates at all. With the average premium in the United States being $1,847, drivers could save up to 46.5% every year by just comparing quotes, but most just don't grasp the benefits if they moved their coverage to a different company.

With so many online and local companies to choose from, it can be diffult for people to choose the most affordable auto insurance company.

It is always a good idea to shop coverage around before your next renewal due to the fact that insurance prices change quite often. Despite the fact that you may have had the lowest price on Nissan Altima insurance in Seattle a few years ago there may be better deals available now. You'll find a ton of advice on Altima insurance on the web, but in a few minutes you can learn some proven techniques to buy auto insurance cheaper in Seattle.

Finding the cheapest insurance coverage in Seattle can be easy if you know a few tricks. Just about every vehicle owner who needs lower cost insurance will find a lower-cost company. But Washington drivers need to learn how big insurance companies set your policy premium and use it to find better rates.

The fastest way that we advise to get rate comparisons for Nissan Altima insurance in Seattle is to know the trick most larger insurance companies will pay a fee to provide you with free rate quotes. To get started, all you need to do is provide the companies a bit of rating information such as deductibles desired, what you do for a living, how much education you have, and how you use your vehicles. Your information is sent automatically to multiple different insurance companies and they return rate quotes instantly.

To compare multiple company affordable Nissan Altima insurance rates now, click here and enter the information requested.

The providers in the list below are our best choices to provide free quotes in Seattle, WA. If several companies are displayed, it's a good idea that you visit several of them to get the best price comparison.

Nissan Altima Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $196 $396 $334 $20 $100 $1,046 $87
Altima 2.5 S 4-Dr Sedan $110 $242 $282 $16 $84 $734 $61
Altima Hybrid 4-Dr Sedan $222 $444 $334 $20 $100 $1,120 $93
Altima 2.5 S 2-Dr Coupe $180 $358 $350 $20 $104 $1,012 $84
Altima 3.5 SR 4-Dr Sedan $136 $294 $334 $20 $100 $884 $74
Altima 3.5 SR 2-Dr Coupe $180 $412 $376 $22 $112 $1,102 $92
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can decrease or increase coverage prices greatly.

Car insurance premiums based on gender

The information below illustrates the comparison of Nissan Altima yearly insurance costs for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Raise deductibles and save

The hardest decision when buying coverage is where should you set your physical damage deductibles. The following insurance rates determine the price difference between low and high physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Nissan Altima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $254 $458 $294 $18 $88 $1,137 $95
Altima 2.5 S 4-Dr Sedan $254 $540 $294 $18 $88 $1,219 $102
Altima Hybrid 4-Dr Sedan $286 $540 $294 $18 $88 $1,251 $104
Altima 2.5 S 2-Dr Coupe $286 $540 $334 $20 $100 $1,305 $109
Altima 3.5 SR 4-Dr Sedan $286 $540 $294 $18 $88 $1,251 $104
Altima 3.5 SR 2-Dr Coupe $286 $622 $334 $20 $100 $1,387 $116
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Nissan Altima insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $186 $310 $294 $18 $88 $896 $75
Altima 2.5 S 4-Dr Sedan $186 $364 $294 $18 $88 $950 $79
Altima Hybrid 4-Dr Sedan $208 $364 $294 $18 $88 $972 $81
Altima 2.5 S 2-Dr Coupe $208 $364 $334 $20 $100 $1,026 $86
Altima 3.5 SR 4-Dr Sedan $208 $364 $294 $18 $88 $972 $81
Altima 3.5 SR 2-Dr Coupe $208 $420 $334 $20 $100 $1,082 $90
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific zip code location which can raise or lower coverage prices noticeably.

Based on this data, using a $100 deductible would cost the average driver about $23 more each month or $276 each year than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 17 months between claims, you would probably come out ahead by going with a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $105
Average monthly premium for $500 deductibles (subtract): - $82
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One thing to be aware of is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You will want to have some available funds in order to pay the higher deductible.

Auto insurance just makes sense

Despite the high insurance cost for a Nissan Altima in Seattle, auto insurance serves an important purpose.

The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. Today the average American driver overpays as much as $820 a year so you should quote rates at every renewal to save money.

Why Your Insurance Costs might be higher

Many things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other factors are more transparent like your vehicle usage and annual miles driven.

Save money by eliminating incidental coverages - There are quite a few additional coverages you can purchase if you don't pay attention. Insurance for vanishing deductibles, towing, and membership fees are examples of these. They may sound like good ideas when you first buy your policy, but if you don't need them consider taking them off your policy.

Avoid policy lapses - Not having insurance can get you a ticket and as a result your rates will increase for letting your insurance lapse. Not only will you pay higher rates, getting caught without coverage may result in fines and jail time. You may need to prove you have insurance by filing a SR-22 with the Washington department of motor vehicles.

How your age affects premiums - Drivers with little experience tend to be careless and easily distracted with other occupants in the car therefore car insurance rates are much higher. Mature drivers are proven to be safer behind the wheel, file fewer claims, and tend to be get fewer driving tickets.

Having a spouse is a good thing - Having a wife or husband helps lower the price on your policy. Having a spouse generally demonstrates drivers are less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.

Big city or small town - Living in less populated areas of the country has it's advantages if you are looking for the lowest rates. Drivers who live in large cities regularly have traffic congestion and longer commute times. Less people means fewer accidents and lower theft and vandalism rates.

Small frequent policy claims are not good - Insurance companies in Washington give most affordable rates to people who are not frequent claim filers. If you are a frequent claim filer, you can look forward to higher rates. Your car insurance is designed for larger claims.

Nissan Altima claim probability - Auto insurance companies analyze past claim statistics when they set coverage costs for each model. Vehicles that the data shows to have higher claim frequency or loss amount will have a higher premium rate. The information below illustrates the historical insurance loss data for Nissan Altima vehicles.

For each policy coverage type, the statistical loss for all vehicles combined as an average is considered to be 100. Numbers that are below 100 suggest a better than average loss history, while percentage values above 100 indicate a higher chance of having a claim or statistically larger losses.

Nissan Altima Insurance Claim Statistics

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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You may qualify for discounts for Nissan Altima insurance in Seattle

Not many people think insurance is cheap, but you may qualify for discounts that may help make it more affordable. Larger premium reductions will be automatically applied when you get a quote, but a few need to be manually applied prior to getting the savings.Insurance discounts

As a disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, companies wouldn't make money that way.

Popular insurance companies and some of their more popular discounts are detailed below.

If you are trying to find the cheapest Nissan Altima rate quotes, ask all companies you are considering what discounts are available to you. Depending on the company, some discounts may not apply to policies in your state.

Local agents and car insurance

Some consumers would prefer to have an agent's advice and that can be a great decision An additional benefit of comparing rate quotes online is that drivers can save money and get cheap car insurance quotes and still have a local agent.

Insurance agency in SeattleAfter filling out this form (opens in new window), your insurance data is transmitted to insurance agents in Seattle who will give competitive quotes for your insurance coverage. You won't need to contact any agents since price quotes are sent directly to your email. You can find better rates and work with a local agent. If you wish to compare prices from a particular provider, you just need to visit that company's website and give them your coverage information.

Selecting an company requires you to look at more than just a cheap quote. Ask your prospective agent these questions:

Is an exclusive or independent auto insurance agent right for you?

When searching for local Seattle agents, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies can be described as either exclusive or independent.

Exclusive Car Insurance Agents

Exclusive agencies write business for a single company such as Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are trained well on their company's products which helps them sell on service rather than price.

The following is a list of exclusive insurance agents in Seattle willing to provide comparison quotes.

4453 California Ave SW - Seattle, WA 98116 - (206) 932-2191 - View Map

7 Denny Way - Seattle, WA 98109 - (206) 956-0580 - View Map

7721 Aurora Ave N - Seattle, WA 98103 - (206) 782-5191 - View Map

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Independent Insurance Agents

Agents that choose to be independent are not locked into one company so as a result can place your coverage through many companies and find the cheapest car insurance rates. If prices rise, the business is moved internally which makes it simple for you.

When comparing rate quotes, you definitely need to include rate quotes from a few independent agents in order to compare the most rates.

The following is a list of independent agents in Seattle willing to provide comparison quotes.

3424 W McGraw St - Seattle, WA 98199 - (206) 284-4886 - View Map

4201 Roosevelt Way NE #200 - Seattle, WA 98105 - (800) 701-5909 - View Map

4634 E Marginal Way S C 140 - Seattle, WA 98134 - (206) 682-9990 - View Map

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Persistence is the key to cheaper rates

When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Cheaper Nissan Altima insurance in Seattle can be bought from both online companies and also from your neighborhood Seattle agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don't offer price quotes online and usually these regional carriers only sell coverage through local independent agencies.

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