Who Has the Cheapest Insurance for a Nissan Altima in Missouri?

Whenever people write about auto insurance, the word “cheap” shouldn’t be used as a descriptor for auto insurance rates. Despite the oxymoron, cheap car insurance for a Nissan Altima is just plain contradictory. But don’t let that discourage you, because we can show you some ways you can still find auto insurance that is considered budget-friendly.

Buying affordable car insurance for a Nissan Altima in Missouri is contingent on a complex calculation that is influenced by things such as if you are single or married, whether or not you have had gaps between policies, and your motor vehicle report. Drivers pay an average rate of $870 every 12 months to insure a Nissan Altima, but that is a valuation based on rate data for a 40-year-old single male driver that includes both comprehensive and collision coverage and $500 physical damage deductibles.

There is a high probability that you are not 40 years old and maybe not even male, possibly married instead of single, or maybe your Missouri zip code is rated cheaper than the example. Having the smallest difference in policy rating factors can cause significant differences in the amount insurance costs for a Nissan Altima.

This illustrates why the best method for finding cheap auto insurance rates for your Nissan is to get into the habit of comparing rates once a year. It only takes a couple of minutes and you will be able to compare rates from top-rated car insurance companies that offer coverage in Missouri.

Click Here to Start Your Quote

The trim level of your vehicle will most likely have an effect on the coverage cost, so the cost to insure a Altima 2.5 4-Dr Sedan model will be $194 cheaper than the cost to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe version, as shown in the prices below.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in specific location information which can change coverage prices substantially.

Figuring out which company quotes the best car insurance rates for a Nissan Altima will take a little more effort in order to find the lowest price quote.

Every insurance company has their own unique process to determine premium rates, so let’s look at the rankings for the car insurance companies with the overall best prices in Missouri. It’s important that you understand Missouri car insurance rates are determined by lots of factors that control the cost of coverage. Getting older, having a claim, or getting caught speeding may cause policy rate changes resulting in some companies being cheaper than competitors.

Lowest Insurance Price Quotes for Your Altima

Compare Rates Today

google.charts.setOnLoadCallback(drawMOT5qcibChart);function drawMOT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 642, ‘#F07050’], [‘The Hartford’, 817, ‘#C85D42’], [‘Electric’, 875, ‘#A64D37’], [‘Allied’, 875, ‘#8A402D’], [‘Auto-Owners’, 1007, ‘#733525’]]);var options = {title: ‘Top Five Cheap Auto Insurance Companies in Missouri’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1107,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA quotes some of the cheapest car insurance rates in Missouri at around $642 per year. The Hartford, Electric, Allied, and Auto-Owners also make the cut as some of the cheapest Missouri auto insurance companies.

In the above example, if you are currently insured with Allied and switched to The Hartford, you may realize an annual savings of upwards of $58. Missouri drivers with Auto-Owners may save as much as $190 a year, and MO Farm Bureau customers might reduce rates by $204 a year.

If you would like to find the cheapest insurance for a Nissan Altima in Missouri, click here to get quotes or click several companies below for low rates.

Be aware that those policy rates are averages for all drivers and vehicles in Missouri and and are not calculated with a specific rate value for a Nissan Altima. So the insurer that has the lowest price for you may not even be included in the chart above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Tickets and at-fault accidents raise rates

The recommended way to maintain the most affordable car insurance rates for an Altima is to be a good driver and avoid getting tickets or having accidents. The chart below illustrates how traffic citations and accidents can increase auto insurance costs for different age groups of insureds. The premiums assume a married male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

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’, 2341,2847,4909],[‘Age 30’, 1203,1711,3769],[‘Age 40’, 1171,1677,3737],[‘Age 50’, 1077,1583,3643],[‘Age 60’, 1059,1565,3623],[‘Age 70’, 1245,1751,3809]]);var options = {title: ‘Impact of Tickets and Claims on Missouri 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 Missouri’,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 data in the chart shows the average cost of an auto insurance policy in Missouri per year with no violations or accidents is $1,349. Receive two speeding tickets and the average cost hikes up to $1,856, an increase of $506 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Nissan Altima goes up to an average of $3,915. That’s an increase of $2,566, or $214 per month, just for not driving carefully!

Discounts on the cheapest insurance for a Nissan Altima in Missouri

Insurance companies that provide coverage for a Nissan Altima may additionally offer price discounts that could lower prices by 25% or more if you meet specific criteria. Larger car insurance companies and a selection of discounts can be read below.

• Farmers Insurance policyholders can earn discounts including multi-car, early shopping, pay in full, switch companies, and good student.
• Esurance may offer discounts for paid-in-full, online quote, defensive driver, multi-policy, and renters.
• State Farm discounts include good student, anti-theft, driver’s education, multiple policy, Drive Safe & Save, safe vehicle, and defensive driving training.
• GEICO may include discounts for multi-vehicle, anti-lock brakes, good student, multi-policy, emergency military deployment, air bags, and defensive driver.
• Allstate includes discounts for economy car, senior citizen, eSmart discount, 55 and retired, EZ pay plan discount, and utility vehicle.

The information below illustrates the difference between premium costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, passive restraint, vehicle safety, claim-free, defensive driving course, and homeowner discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Nissan Altima is 28% or $474.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2535,1827],[‘Age 30’, 1761,1279],[‘Age 40’, 1629,1183],[‘Age 50’, 1427,1039],[‘Age 60’, 1379,1005],[‘Age 70’, 1607,1159]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a Nissan Altima’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Missouri’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Tips for finding low-cost auto insurance for a Nissan Altima

Lowering your rates is not difficult, and here are many money-saving solutions that can help Missouri drivers quote low-cost coverage.

• Do not get tickets or violations
• Maintaining good credit helps earn cheaper rates
• Raise your physical damage coverage deductibles
• Buy vehicles with good safety ratings
• Drop full coverage on older vehicles
• Being accident-free can lower rates significantly
• Shop around for cheaper prices often

The last tip in the list is especially valuable, as we discussed in the article above. Auto insurance prices in Missouri change constantly, so don’t be unwilling to buy a policy from a new company if a better deal can be had. Having brand loyalty is commendable, but it isn’t a good idea if that stubbornness costs you money that could be used for better things. In just a couple of minutes you could compare rates to find cheaper auto insurance for a Nissan Altima.

Cheap Nissan Altima insurance quotes

There are many ways to quote and buy car insurance in Missouri, but the three most common are either through an independent insurance agent, an exclusive insurance agency such as Auto-Owners or State Farm, or direct either online or via phone.

You can use whichever you prefer, but shoppers should understand the differences in how they give price quotes.

Independent insurance agencies have contracts with many companies and can get policy pricing from every one. They will provide you with more rates, which can help you get a better comparison. If the agent locates a cheaper price, your policy can be easily switched to a different company which makes it easier to save money.

Exclusive agents are only able to write with just one company, two examples are an Allstate or State Farm agent. Exclusive agents normally do not have the ability to compare rates from other companies, so unless you get quotes from other companies, you cannot determine which is cheapest.

If you buy direct, you bypass an independent or exclusive agent and instead shop from a direct company like Progressive. Buying car insurance direct may be a decent choice people who do not have complex finances and know more than average about what specific coverages and deductibles they need.

So out of those three methods, which one works best for finding the cheapest insurance for a Nissan Altima in Missouri? It would be obvious to point out buying from a direct car insurance company saves the most money since no commissions are paid to an agent, but unfortunately, that is not the case. And we’d like to say buying car insurance from an independent agent guarantees the cheapest rates due to increased selection, but again, it’s not a sure thing. In many circumstances, exclusive agents have extremely competitive rates that are the lowest in Missouri.

Because of the variability of car insurance rates, the best way to get rock-bottom rates is to obtain price quotes and compare them. Set aside the time to get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of companies offering online discounts, click here to view.