Who Has Cheap Insurance Quotes for a Nissan Altima in Kansas?

Who Has Cheap Insurance Quotes for a Nissan Altima in Kansas?

Our editors keep telling us that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap car insurance for a Nissan Altima can be hard, if not impossible, to find. We’ll try to make it up to you, because we can show you some ways you can find and buy car insurance that won’t break the bank.

Finding cheaper auto insurance for a Nissan Altima in Kansas hinges on a whole bunch of factors like how long your commute is, if you have a lapse in coverage, and any prior driving citations you have received. Drivers pay an average of $710 every 12 months to buy insurance for a Nissan Altima, but that rate is a projection based on a 30-year-old married male with full comprehensive and collision coverage and $1,000 deductibles.

When making auto insurance estimates, the issue arises that you are not 30 and maybe not even a male, maybe you are single instead of married, or maybe you prefer higher deductibles. Even a slight difference in policy rating data can result in a big discrepancy in rate quotes.

The different assumptions illustrate why your best chance at finding cheap car insurance rates for your Nissan is to just compare rates yourself.

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The trim level of your Altima will have an impact price, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan trim level will be $154 cheaper than the insurance cost for the higher-priced Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.

Nissan Altima Insurance Rates in Kansas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $136 $234 $286 $16 $86 $758 $63
Altima 2.5 S 4-Dr Sedan $136 $276 $286 $16 $86 $800 $67
Altima Hybrid 4-Dr Sedan $154 $276 $286 $16 $86 $818 $68
Altima 2.5 S 2-Dr Coupe $154 $276 $324 $20 $96 $870 $73
Altima 3.5 SR 4-Dr Sedan $154 $276 $286 $16 $86 $818 $68
Altima 3.5 SR 2-Dr Coupe $154 $318 $324 $20 $96 $912 $76
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in specific garaging location which can modify coverage rates substantially.

Figuring out which company quotes the most affordable insurance rates for a Nissan Altima will involve a little more sweat in order to find the best price. Every auto insurer uses their own calculation for determining rates, so we need to take a look at the insurance companies with the overall best prices in Kansas.

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Cheapest insurance companies in Kansas
Rank Company Cost Per Year
1 USAA $766
2 The Hartford $831
3 Allied $1,065
4 Auto-Owners $1,085
5 Travelers $1,106
6 Farmers $1,129
7 Farm Bureau Mutual $1,175
8 California Casualty $1,255
9 Nationwide $1,269
10 State Farm $1,271
11 American Family $1,308
12 Progressive $1,424
13 Safeco $1,470
14 Auto Club $1,509
15 Liberty Mutual $1,531
16 National Farmers Union $1,533
17 GEICO $1,561
18 Electric $1,660
19 Safe Auto $1,757
20 Shelter $1,771
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USAA may offer some of the cheapest car insurance rates in Kansas at around $766 annually. The Hartford, Allied, Auto-Owners, and Travelers would also be considered some of the cheapest Kansas car insurance companies.

In this example, if you buy coverage from Auto-Owners and switched to USAA, you could earn annual savings of about $319. Kansas drivers with Travelers might save as much as $340 a year, and Farmers customers might see rate reductions of $363 a year.

To find cheap insurance for a Nissan Altima in Kansas, click here to start your custom quote or visit any of the low-priced companies below.

Be aware that those premium estimates are averages for all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Nissan Altima. So the company that fits you best may not even be shown in the list of companies above. That points out the importance of why you need to compare prices as often as possible using your own individual information.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to enjoy cheap insurance for a Nissan Altima in Kansas is to drive carefully and avoid accidents and keep your driving record clean. The information below shows how traffic citations and accidents can increase insurance rates for different age groups of insureds. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2619,3405,6137],[‘Age 30’, 1839,2625,5351],[‘Age 40’, 1817,2605,5331],[‘Age 50’, 1589,2377,5105],[‘Age 60’, 1513,2303,5033],[‘Age 70’, 1639,2425,5157]]);var options = {title: ‘Effect of Tickets and Claims on Kansas Nissan Altima Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Kansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,836. Get written up for two speeding tickets and the average cost increases to $2,623, an increase of $787 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Nissan Altima jumps again to an average of $5,352. That’s an increase of $3,516, or $293 per month, just for not being attentive to the road!

Ideas for buying low-cost auto insurance for a Nissan Altima

It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help Kansas drivers quote cheap coverage.

  • Drop full coverage on older vehicles
  • Increase your deductibles
  • Buy a car with high safety ratings
  • Drivers with good credit ratings often pay less
  • Just one traffic violation will increase your rates
  • Being accident-free can lower rates significantly
  • Compare prices as often as possible

The last tip is highly crucial, as we discussed in this article. Car insurance prices can change considerably based on profitability, so don’t be afraid to switch to a new company if a better rate can be found.

Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you a small fortune. Now is a great time to shop around and find cheaper car insurance for a Nissan Altima.

Cheap Nissan Altima insurance quotes

Drivers have a lot of different ways to find affordable insurance in Kansas, but the most frequently used ways are through a captive (or exclusive) agency such as Auto-Owners or State Farm, an independent insurance agent, or buying direct from a company like Progressive or Geico.

Each way is similar, but shoppers should understand the differences in how they function.

Independent agencies have contracts with many companies and can compare coverage rates with every one. These types of agents are not required to write business for one company and can give you more rates, which can help you get the best idea of how your rates compare. If you want to switch companies, it’s easy for the agent to move the policy which makes it easier to save money.

An agent who is captive is only able to write with a single company, two popular examples being a Farmers or Allstate agent. Exclusive agents generally are unable to quote prices from more than a single company, so you will not be able to compare multiple prices.

When you buy insurance direct, you forego a local insurance agent and instead shop direct from companies such as Esurance or Geico. Buying insurance direct may be the best choice consumers who do not need risk management and have a good understanding of what specific coverages they need.

So comparing independent agents, exclusive agents, and direct, which one works best to find cheap insurance for a Nissan Altima in Kansas? The majority of people assume that shopping direct results in the cheapest price since there isn’t an agent involved, but unfortunately, that is not always true. A good argument could also be made that going through an independent agent can save the most money since they can quote with many companies, but that is not accurate either. In many cases, exclusive agents have coverage prices that are the lowest in Kansas.

Due to the fact that insurance rates vary so much, the best method to get the cheapest rates is to get quotes and compare the rates. It takes a little work, but we recommend you get quotes from all three to have the best selection of rates to choose from. For a list of companies with cheap rates in Kansas, click here to view.