Best Cheap Insurance for a Nissan Altima in Maryland

When the topic is auto insurance, the words “cheap” or “affordable” really should not be used anywhere to describe car insurance prices. Excuse the oxymoron, but cheap car insurance for a Nissan Altima can be hard to find. But don’t despair, because we will show you how you can get insurance that doesn’t cost an arm and a leg.

The chances of buying affordable auto insurance for a Nissan Altima in Maryland is contingent on a complex formula that factors things like your gender, the condition of your credit, and any prior driving offenses. Drivers will pay around $1,240 every 12 months to insure a Nissan Altima, but that cost is a valuation using cost data for a 50-year-old married female with full physical damage coverage and $100 deductibles.

It’s highly likely that you are not 50 years old and maybe not even female, single instead of married, or maybe you have a couple of speeding tickets. The different assumptions illustrate why the only way to find the most affordable coverage for your Nissan is to get into the habit of shopping around regularly.

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The trim level of your Nissan can impact price, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan trim level will be $290 less than the insurance cost for the fancier Altima 3.5 SR 2-Dr Coupe trim level, as shown in the table below.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can increase or decrease premium rates significantly.

Finding the best insurance provider can be a challenge considering how many different companies there are to choose from in Maryland. The company information listed below can help you decide which car insurance providers you want to consider when buying insurance for a Nissan Altima. The rankings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Maryland business will not be included in these rankings.

Top 10 Major Car Insurance Companies Overall in Maryland

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Major Car Insurance Companies in Maryland Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Nissan Altima Insurance in Maryland

The example below illustrates how your choice of deductibles can affect insurance costs when quoting cheap insurance for a Nissan Altima. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

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In the chart above, a 40-year-old driver could lower rates by $396 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $596 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could save $1,318 annually just by choosing higher deductibles. If you do raise deductibles, it is essential to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How careless driving impacts auto insurance rates

The ideal way to get the best auto insurance rates in Maryland for an Altima is to be a careful driver and avoid accidents and keep your driving record clean. The diagram below illustrates how traffic citations and accident claims can increase premium costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $500 deductibles, and no policy 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 One Accident’],[‘Age 20’, 2997,3883,4793],[‘Age 30’, 2081,2967,3875],[‘Age 40’, 2065,2955,3859],[‘Age 50’, 1813,2701,3607],[‘Age 60’, 1725,2613,3519],[‘Age 70’, 1875,2759,3669]]);var options = {title: ‘Effect of Tickets and Accidents on Maryland 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 Maryland’,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);}

In the example above, the average cost of auto insurance per year with no accidents and a clean driving record is $2,093. Get written up for two speeding tickets and the average cost hikes up to $2,980, an increase of $887 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Nissan Altima increases to an average of $3,887. That’s an increase of $1,794, or $150 per month, just for not being attentive to the road!

Cheapest Nissan Altima insurance quotes

Thanks to the internet, there are a lot of ways to get affordable auto insurance quotes in Maryland, but the most prevalent methods are through a captive (or exclusive) agency like Liberty Mutual or State Farm, a non-exclusive or independent agent, or from a direct company like Progressive or Geico. They all have the same basic principle, but shoppers should understand the differences in how they function.

Independent agencies can place your business with multiple companies and can get policy pricing from every one. Agents of this type are not restricted to one company and can quote rates with many companies, which may provide you with improved chances of finding a lower rate. If your premiums go up, your policy can be moved and you won’t have to switch agencies.

A captive or exclusive agent is able to quote prices with one company, for example an Allstate or Liberty Mutual agent. Exclusive agents generally are unable to give you multiple price quotes, so it’s a take it or leave it situation.

The last way is buying direct, which means you forego a local agent and instead buy direct online or over the phone from a company like Geico or Esurance. This auto insurance option may be the best choice people who do not have complex finances and have knowledge of what coverage options they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the best cheap insurance for a Nissan Altima in Maryland? The quick answer would be buying direct results in the cheapest price since no commissions are paid to an agent, but in reality, that is not true. And we’d like to say buying auto insurance from an independent agent results in the cheapest rates because you have more choices, but that assumption is not true either. In many cases, exclusive agencies have extremely competitive rates that are the cheapest.

Because it’s impossible to say who has the best auto insurance rates, really the only way to get the cheapest rates is to get quotes and compare the rates. The ideal approach is to get quotes from all three types to give yourself plenty of rates to compare. For a list of companies with online discounts, click here to view.

How to get the best cheap insurance for a Nissan Altima in Maryland

It is possible to find better rates, and here are some thrifty ideas that can help Maryland drivers buy cheap coverage.

• The safer your car, the less it costs to insure
• Save money by insuring your home and auto with the same company
• Do not pay for full coverage on older vehicles
• Raise deductibles to save money
• Drivers with good credit ratings often pay less
• Earn a discount by not filing claims
• Shop around for cheaper prices often

That last piece of advice is incredibly vital, as we pointed out in the prior information. Prices vary considerably, so don’t be afraid to switch companies if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that dedication is costing lots of hard earned cash every month. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for a Nissan Altima.