Insurance for Nissan AltimaWant to save money and find low-cost Nissan Altima insurance in Spokane? Are you sick and tired of scraping the payment together to buy insurance? You're in the same situation as many other people in Washington.

Inconceivable but true, the vast majority of drivers have purchased from the same company for at least the last four years, and almost half have never quoted insurance rates at all. Most drivers in the United States could save as much as 46.5% each year just by comparing rates, but they mistakenly think it's difficult to shop around.

Multiple insurers compete for your hard-earned dollar, so it's not easy to compare every company to find the absolute lowest price on Nissan Altima insurance in Spokane.

Smart consumers take time to take a look at other company's rates before your policy renews since prices change regularly. Even if you got the lowest quotes on Nissan Altima insurance in Spokane a few years ago you can probably find a lower rate today. Ignore everything you know about insurance because you're about to learn one of the easiest ways to remove unneeded coverages and save money.

There are several ways to compare prices from all the different companies. The best method to find the lowest rates is to get quotes online.

Doing online rates comparisons is so easy that it makes it obsolete to drive around to insurance agencies in your area. The ability to buy insurance online has reduced the need for local agents unless you have a complicated situation and need the professional advice that only a licensed agent can provide. If you prefer, some companies allow you to obtain prices from the web but purchase the actual policy in an agency. When price shopping your coverage, comparing a large number of companies will enable you to find better pricing. Not every company allows you to get Spokane Altima insurance quotes online, so it's necessary to compare prices from them, too.

The providers in the list below have been selected to offer quotes in Spokane, WA. If more than one company is shown, we recommend you click on several of them to get the most competitive price.

Nissan Altima Insurance Costs in Spokane, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $180 $304 $300 $18 $90 $892 $74
Altima 2.5 S 4-Dr Sedan $244 $610 $384 $22 $114 $1,374 $115
Altima Hybrid 4-Dr Sedan $222 $444 $310 $18 $92 $1,086 $91
Altima 2.5 S 2-Dr Coupe $246 $512 $434 $26 $130 $1,348 $112
Altima 3.5 SR 4-Dr Sedan $158 $284 $294 $18 $88 $842 $70
Altima 3.5 SR 2-Dr Coupe $200 $474 $434 $26 $130 $1,264 $105
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in vehicle garaging location which can modify premium rates significantly.

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is how high should your deductibles be. The rates shown below may help you to understand the costs and benefits of buying low and high policy deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 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 $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 rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $140 $242 $294 $18 $88 $782 $65
Altima 2.5 S 4-Dr Sedan $140 $284 $294 $18 $88 $824 $69
Altima Hybrid 4-Dr Sedan $158 $284 $294 $18 $88 $842 $70
Altima 2.5 S 2-Dr Coupe $158 $284 $334 $20 $100 $896 $75
Altima 3.5 SR 4-Dr Sedan $158 $284 $294 $18 $88 $842 $70
Altima 3.5 SR 2-Dr Coupe $158 $328 $334 $20 $100 $940 $78
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in your specific Spokane location which can impact rates considerably.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $34 more each month or $408 each year than requesting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 26 months between claim filings, you would probably be better off if you opt for a higher deductible.

Nissan Altima full coverage rates compared to liability only

The diagram below illustrates the difference between Nissan Altima insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no violations or accidents, $250 deductibles, married female driver, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no definitive guideline of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's pretend your Nissan Altima book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Save money with these discounts

Insurance can cost an arm and a leg, but there's a good chance there are discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be specifically requested in order for you to get them.Cheaper insurance with discounts

Just know that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

To choose insurance companies that have a full spectrum of discounts in Spokane, click here to view.

Cut Insurance Costs with These Tips

Many things are used in the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious like your continuous coverage or your financial responsibility. Smart consumers have a good feel for some of the factors that help calculate the price you pay for car insurance. If you understand what impacts premium levels, this helps enable you to make changes that can earn you much lower annual insurance costs.

Do you save by driving less? - Driving a lot of miles in a year's time the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance policy is showing how each vehicle is driven. Improper usage on your Altima may be wasting your money.

Are females or males drivers cheaper? - Statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that males are worse at driving than females. Women and men have at-fault accidents at about the same rate, but the men have accidents that have higher claims. Men also tend to get cited for more serious violations like DUI and reckless driving.

Married people drive safer - Having a significant other helps lower the price compared to being single. Having a spouse demonstrates that you tend to be more financially stable and insurance companies reward insureds because married drivers get in fewer accidents.

Vehicle options that cut car insurance rates - Driving a car that has an advanced theft prevention system can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your car from being stolen.

Too many claims drive up prices - If you are a frequent claim filer, you should expect either higher rates or even cancellation. Car insurance companies in Washington generally give discounts to people who do not file claims often. Your insurance policy is designed for larger claims.

Loss probability for a Nissan Altima - Insurance companies analyze claim trends for every vehicle as a way to help calculate a profitable premium price. Vehicles that statistically have higher prevalence or dollar amount of losses will cost more for specific coverages. The table below outlines the loss history for Nissan Altima vehicles.

For each coverage type, the loss probability for all vehicles as a whole is represented as 100. Values that are below 100 suggest a positive loss record, while numbers above 100 point to more frequent losses or statistically larger losses.

Car Insurance Loss Data for Nissan Altima Models

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

Neighborhood insurance agents

Certain consumers just prefer to visit with an insurance agent and often times that is recommended One of the great benefits of comparing rate quotes online is the fact that you can find cheap rate quotes and still buy from a local agent.

Insurance agents in SpokaneUpon completion of this short form, the coverage information is immediately sent to insurance agents in Spokane that can give you free Spokane car insurance quotes to get your business. You never need to search for any insurance agencies since rate quotes are delivered to you instantly. It's the lowest rates and a licensed agent to work with. If you need to get a price quote from a specific car insurance provider, don't hesitate to visit that company's website and fill out the quote form the provide.

Finding the right company is decision based upon more than just a cheap quote. These are some valid questions you should ask.

Shown below are agents in Spokane who can help you get rate quotes for Nissan Altima insurance in Spokane.

421 W Hastings Rd - Spokane, WA 99218 - (509) 324-6311 - View Map

909 W Garland Ave - Spokane, WA 99205 - (509) 456-8993 - View Map

9992 N Newport Hwy - Spokane, WA 99218 - (509) 465-1606 - View Map

327 W 3rd Ave d - Spokane, WA 99201 - (509) 328-1422 - View Map

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When do I need an agent's advice?

When quoting and choosing a policy for your vehicles, there really isn't a "best" method to buy coverage. Your situation is unique so this has to be addressed.Auto insurance savings These are some specific questions may help you determine whether your personal situation might need professional guidance.

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Cheap auto insurance rates are possible

You just learned quite a bit of information on how to find cheaper Nissan Altima insurance in Spokane. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the most savings is with a small local company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

Cheap Nissan Altima insurance in Spokane can be found on the web in addition to many Spokane insurance agents, so you need to shop Spokane car insurance with both to have the best selection. There are still a few companies who may not have online rate quotes and many times these small, regional companies provide coverage only through local independent agents.

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