How to Compare New Orleans Nissan Altima Insurance

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Insurance rates Nissan Altima in New OrleansWould you like to stop wasting money and find more competitive Nissan Altima insurance in New Orleans? If you are new to getting New Orleans car insurance quotes online, you can be confused due to the large number of auto insurance companies all claiming to have the lowest rates for Nissan Altima insurance in New Orleans.

Everyone knows that insurance companies want to keep you from comparing rates. Drivers who compare rates once a year are highly likely to move their business because of the high probability of finding a more affordable policy premium. Surprisingly, a recent survey revealed that consumers who routinely shopped around saved over $3,450 over four years compared to other drivers who never shopped for cheaper rates.

If saving money on car insurance is why you're here, then understanding how to get free comparison quotes and analyze insurance premiums can make the process more efficient.

Smart consumers take time to quote other rates before your next renewal because rates are adjusted regularly by insurance companies. Even if you think you had the best premium rates on Nissan Altima insurance in New Orleans a year ago there may be better deals available now. Block out anything you think you know about auto insurance because you're about to learn how to use the internet to buy cheaper Nissan Altima insurance in New Orleans.

The majority of larger companies such as Progressive, Allstate and GEICO allow consumers to get coverage prices on their websites. Comparing Nissan Altima insurance rates online is pretty easy as you simply type in your coverage information into a form. Behind the scenes, the system sends out for your driving record and credit report and generates a price determined by many factors.

This makes it easy to compare insurance prices and it is imperative to compare as many rates as possible in order to get lower-cost prices.

To quickly use this form to compare rates, compare rates from the companies below. To compare your current rates, we recommend you complete the form with the limits and deductibles identical to your current policy. This ensures you will be getting rate comparison quotes based on identical coverages.

The companies shown below are ready to provide price quotes in Louisiana. If multiple companies are listed, we recommend you visit as many as you can in order to find the cheapest rates.

Nissan Altima insurance rate analysis

The coverage information shown below showcases detailed analysis of insurance rates for Nissan Altima models. Having a better understanding of how car insurance premiums are established is important for you to make smart choices when selecting a policy.

Nissan Altima Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $212 $430 $604 $36 $180 $1,462 $122
Altima 2.5 S 4-Dr Sedan $212 $506 $604 $36 $180 $1,538 $128
Altima Hybrid 4-Dr Sedan $240 $506 $604 $36 $180 $1,566 $131
Altima 2.5 S 2-Dr Coupe $240 $506 $682 $40 $204 $1,672 $139
Altima 3.5 SR 4-Dr Sedan $240 $506 $604 $36 $180 $1,566 $131
Altima 3.5 SR 2-Dr Coupe $240 $584 $682 $40 $204 $1,750 $146
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle garaging location which can lower or raise premium rates considerably.

Policy deductible comparison

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The comparisons below may help you to understand the rate difference when you choose different insurance deductibles. The first rate table uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

Nissan Altima insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $400 $722 $464 $28 $140 $1,779 $148
Altima 2.5 S 4-Dr Sedan $400 $850 $464 $28 $140 $1,907 $159
Altima Hybrid 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
Altima 2.5 S 2-Dr Coupe $452 $850 $524 $32 $158 $2,041 $170
Altima 3.5 SR 4-Dr Sedan $452 $850 $464 $28 $140 $1,959 $163
Altima 3.5 SR 2-Dr Coupe $452 $980 $524 $32 $158 $2,171 $181
Get Your Own Custom Quote Go
Nissan Altima insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $222 $380 $464 $28 $140 $1,234 $103
Altima 2.5 S 4-Dr Sedan $222 $448 $464 $28 $140 $1,302 $109
Altima Hybrid 4-Dr Sedan $250 $448 $464 $28 $140 $1,330 $111
Altima 2.5 S 2-Dr Coupe $250 $448 $524 $32 $158 $1,412 $118
Altima 3.5 SR 4-Dr Sedan $250 $448 $464 $28 $140 $1,330 $111
Altima 3.5 SR 2-Dr Coupe $250 $516 $524 $32 $158 $1,480 $123
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific New Orleans garaging location which can decrease or increase insurance rates noticeably.

Based on this data, using a $100 deductible will cost you about $51 more each month or $612 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 18 months between claim filings, you would more than likely save some money if you choose the higher deductible.

The diagram below demonstrates how deductibles and can affect Nissan Altima insurance costs for each different age group. The data is based on a single female driver, full coverage, and no policy discounts are applied.

Annual premiums for males versus females

The chart below shows the difference between Nissan Altima car insurance rates for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

New Orleans insurance discounts for a Nissan Altima

Insurance is not cheap nor is it fun to buy but you may qualify for discounts that can drop the cost substantially. Certain credits will be shown when you complete an application, but less common discounts must be asked about before you will receive the discount.Cheaper insurance with discounts

  • Discounts for Federal Employees - Federal government employees can save as much as 8% with certain companies.
  • Fewer Miles Equal More Savings - Driving less could qualify for substantially lower insurance rates.
  • Safe Driver Discounts - Insureds who avoid accidents can save up to 40% or more on their New Orleans car insurance quote as compared to drivers with claims.
  • No Claim Discounts - Insureds who avoid accidents and claims get the best insurance rates as opposed to accident-prone drivers.
  • Mature Driver Discount - Drivers over the age of 55 can possibly qualify for a discount up to 10%.
  • Seat Belts Save - Requiring all passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way.

The illustration below compares Nissan Altima car insurance rates with and without policy discounts. The premiums are based on a male driver, no violations or claims, Louisiana state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, homeowner, multi-policy, and marriage discounts applied.

Some of the insurance companies that may offer some of the discounts shown above include:

Double check with each insurance company which discounts they offer. A few discounts may not be offered in every state. To view companies with discount insurance rates in Louisiana, click this link.

Why insurance is not optional

Despite the high cost, maintaining insurance may not be optional for several reasons.

First, almost all states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to get the vehicle licensed. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Nissan Altima, most banks will require you to have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Nissan at a much higher premium rate and require you to fork over a much higher amount than you were paying before.

Third, insurance protects your vehicle and your assets. It also can pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Altima definitely exceed the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $800 each year so shop around every year to make sure the price is not too high.

Auto insurance can be complex

Always keep in mind that when comparing coverage, there really is no cookie cutter policy. Every insured's situation is different.Higher deductibles save money

For example, these questions can help discover whether your personal situation might need professional guidance.

  • Do I need higher collision deductibles?
  • Who sells insurance for high-risk drivers?
  • Can my babysitter drive my car?
  • Is coverage enough to protect my assets?
  • Does insurance cover tools stolen from my truck?
  • What is no-fault insurance?
  • Can I make deliveries for my home business?
  • What does PIP insurance cover?
  • Can I afford to pay high deductible claims out of pocket?
  • How do I buy GAP insurance?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance is available from local agents

Many people prefer to talk to an insurance agent and doing so can bring peace of mind A nice benefit of getting free rate quotes online is you may find cheap auto insurance rates but also keep your business local.

Insurance agents in New OrleansTo find an agent, once you fill out this quick form, the coverage information is emailed to insurance agents in New Orleans who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to do any legwork because prices are sent immediately to your email address. You can find better rates without having to waste a lot of time. If you wish to compare rates from one company in particular, don't hesitate to navigate to their website and complete a quote there.

Picking the best provider requires you to look at more than just the price. Any good agent in New Orleans should know the answers to these questions.

  • Is there any savings for paying the full premium?
  • Do they carry Errors and Omissions coverage?
  • Can glass repairs be made at your home?
  • Is coverage determined by price?
  • If you raise deductibles, how much can you save?

If you need to find a reliable agent, there are two different types of agents that you can choose from. Agents in New Orleans are classified as either exclusive agents or independent agents.

Exclusive Insurance Agents

Agents that choose to be exclusive can usually just insure with one company like Farmers Insurance and State Farm. They are unable to shop your coverage around so you might not find the best rates. Exclusive agents receive extensive training in insurance sales which helps them compete with independent agents. Some people will only buy from exclusive agents primarily because of the prominence of the brand rather than having the cheapest rates.

Listed below are exclusive agents in New Orleans who may provide you with price quote information.

View more New Orleans agents

Independent Insurance Agents

Independent agents are not required to write business for one company and that allows them to write policies through lots of different companies and find the cheapest auto insurance rates. If your agent finds better pricing, they can switch companies in-house and you don't have to do anything. If you are trying to find cheaper rates, you will definitely want to include rate quotes from several independent agencies to get the best comparison. Most can insure with mutual insurance companies that can offer cheaper rates than bigger companies.

The following is a list of independent insurance agents in New Orleans that can give you price quotes.

View more New Orleans agents