Finding cheaper insurance for a Nissan Altima in Ohio is pretty simple, but it relies on many different factors such as your financial responsibility, your residence address, and your choice of physical damage deductibles. Drivers will pay around $707 a year to insure their Altima, but that price is an estimation using a 40-year-old married male driver with full coverage and $250 deductibles.
Most likely you’re not a 40-year-old male, single instead of married, and you may just want the cheapest liability coverage you can find. Different coverage needs are the reason why the best method for finding the cheapest rates for your Nissan is to compare as many rates as possible. Quotes are free and easy and you will receive price comparisons from the cheapest companies available.
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The specific trim level tends to impact the coverage cost, so the price you pay to insure a Altima 2.5 4-Dr Sedan model will be $158 lower than the price to insure the fancier Altima 3.5 SR 2-Dr Coupe version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $160 | $272 | $234 | $14 | $70 | $750 | $63 |
| Altima 2.5 S 4-Dr Sedan | $160 | $320 | $234 | $14 | $70 | $798 | $67 |
| Altima Hybrid 4-Dr Sedan | $180 | $320 | $234 | $14 | $70 | $818 | $68 |
| Altima 2.5 S 2-Dr Coupe | $180 | $320 | $264 | $16 | $80 | $860 | $72 |
| Altima 3.5 SR 4-Dr Sedan | $180 | $320 | $234 | $14 | $70 | $818 | $68 |
| Altima 3.5 SR 2-Dr Coupe | $180 | $368 | $264 | $16 | $80 | $908 | $76 |
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in your specific Cleveland location which can modify coverage rates substantially.
Buying coverage from the highest-rated car insurance company can be difficult considering how many companies there are in Ohio. The company rank data shown next could help you decide which companies you want to consider when shopping car insurance rates for a Nissan Altima. The ratings below are only comprised of large nationwide companies, so smaller companies are not included in these rankings.
Top 10 Major Car Insurance Companies in Cleveland Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Major Car Insurance Companies in Cleveland Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General
Types of discounts on Cleveland car insurance
Insurance companies that provide policies for a Nissan Altima may provide discounts that could potentially reduce rates by as much as 35% or more if you are eligible for them. Large insurance companies and some of the premium reductions they offer include:
- GEICO discounts include anti-theft, federal employee, military active duty, driver training, and anti-lock brakes.
- USAA includes discounts for vehicle storage, family discount, new vehicle, safe driver, defensive driver, and multi-policy.
- Progressive may have discounts that include homeowner, online quote discount, online signing, multi-policy, good student, and multi-vehicle.
- American Family offers premium reductions for bundled insurance, multi-vehicle, TimeAway discount, good student, and mySafetyValet.
- Esurance offers discounts for Pac-12 alumni, emergency road assistance, online quote, online shopper, renters, and DriveSense.
- Farmers Insurance may include discounts for electronic funds transfer, multi-car, bundle discounts, mature driver, switch companies, good student, and homeowner.
- State Farm offers discounts including accident-free, safe vehicle, student away at school, anti-theft, multiple autos, and good driver.
The diagram below shows the comparison of insurance prices with and without discounts. The price estimates are based on a male driver, no violations or accidents, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, homeowner, accident-free, multiple policy, passive restraint, and vehicle safety discounts applied. When these discounts are applied, theaverage amount saved on insurance for a Nissan Altima is 28% or $337.
Why you should be shopping around
Cleveland, OH insurance rates are impacted by many things that will increase or decrease the cost of your policy. Simply getting older, moving to a different location, or having an accident may generate price changes that may make certain companies cheaper than competitors.
Not only may your risk profile change, but companies change premium rates every year to adjust for gains or losses. Unexpectedly high claims can cause high rates, while better underwriting can result in lower-cost Altima insurance rates.
For example, the chart below analyzes the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with a clean driving record, no accidents, and great credit. If we compare prices based on his current risk profile, Utica National might offer the best car insurance rates in Cleveland at $820 annually. This is $220 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also included in the best Cleveland, OH auto insurance companies.
Now let’s give the driver from the first set of rates an at-fault accident, less-than-perfect credit, and a few traffic violations. Due to the fact that each insurance company has a different process to establish rates, comparing prices may now result in a new list of companies as shown below.
Merchants Insurance Group now has the lowest car insurance rate in Cleveland, OH with Cincinnati Insurance, General Casualty, Motorists Mutual, and Grange Mutual now rounding out the top five. This example proves why drivers need to perform a complete rate comparison to find the most economical auto insurance quotes for a Nissan Altima. Car insurance prices can be altered by many things and can decrease or increase without notice, so the most economical company the last time you compared rates may now be wasting a lot of money.
Ideas for buying cheaper car insurance for a Nissan Altima
It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help drivers locate cheap auto insurance.
- Do not get traffic tickets
- Avoid filing excessive claims
- At-fault accidents can raise rates significantly
- Bundle car and home insurance and save money
- Buy vehicles with good safety ratings
- Shop around once a year for cheaper rates
That final tip is particularly valuable, as we emphasized in this article. Prices charged by auto insurers can be modified anytime, so don’t be tentative to switch carriers if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that devotion results in you overpaying thousands of dollars over the life of your policy. Take a few minutes and shop around to find cheaper auto insurance for a Nissan Altima in Cleveland.
If you prefer to get help from a professional when buying car insurance for a Nissan Altima, the insurance agencies below can provide answers to your questions and help you determine which insurance coverage will be best for you. To find an agent close to you, click the button link following the list or click here to compare price quotes now.
- Justin Ragor – State Farm Insurance Agent
3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 - Evarts Tremaine
1111 Superior Ave #420 – Cleveland, OH 44113 – (216) 621-7183 - Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 - United Agencies
1422 Euclid Ave # 900 – Cleveland, OH 44115 – (216) 696-8044