A recent auto insurance study revealed that the majority of drivers renewed their policy with the same company for more than four years, and about 40% of consumers have never even shopped around for cheaper coverage. Many consumers in Arizona could pocket as much as $700 a year just by shopping around, but most tend to underestimate the benefits if they switched to a more affordable policy.
Truthfully, the best way to get budget car insurance rates is to make a habit of regularly comparing prices from different companies who sell auto insurance in Mesa.
Step 1: Gain an understanding of auto insurance and the measures you can control to keep rates low. Many policy risk factors that result in higher prices like tickets, at-fault accidents, and a substandard credit score can be controlled by paying attention to minor details.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO or Allstate, while independent agents can quote prices for a wide range of insurance providers. Click to view companies
Step 3: Compare the new quotes to your existing policy and see if there is a cheaper rate in Mesa. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Tell your current agent or company to cancel your existing policy and submit payment and a signed application to your new insurance company. Once the application is submitted, keep the new certificate verifying coverage with your vehicle’s registration.
A crucial key to this process is to make sure you’re comparing identical deductibles and limits on each quote and and to look at every company you can. This ensures an accurate price comparison and a good representation of prices.
Most larger insurance companies give pricing direct online. Getting online rates for Nissan Altima insurance in Mesa is fairly straightforward as all you need to do is type in the coverage amounts you desire as detailed in the form. When the form is submitted, their quoting system automatically retrieves reports for credit and driving violations and returns a price quote determined by many factors.
Getting online price quotes for Nissan Altima insurance in Mesa makes it easy to compare insurance prices and it’s very important to do this if you are searching for cheap auto insurance pricing.
To find out if lower rates are available, compare rates now from the companies shown below. To compare your current rates, we recommend you input the coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving rate quotes using the same coverage and limits.
The car insurance companies shown below are ready to provide free quotes in Arizona. To buy cheaper car insurance in Mesa, we recommend you visit two to three different companies to get a more complete price comparison.
Detailed insurance information
The price information displayed below outlines estimates of coverage prices for Nissan Altima models. Having a better understanding of how auto insurance premiums are formulated helps drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $124 | $240 | $338 | $20 | $102 | $824 | $69 |
| Altima 2.5 S 4-Dr Sedan | $124 | $284 | $338 | $20 | $102 | $868 | $72 |
| Altima Hybrid 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| Altima 2.5 S 2-Dr Coupe | $138 | $284 | $382 | $22 | $114 | $940 | $78 |
| Altima 3.5 SR 4-Dr Sedan | $138 | $284 | $338 | $20 | $102 | $882 | $74 |
| Altima 3.5 SR 2-Dr Coupe | $138 | $326 | $382 | $22 | $114 | $982 | $82 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in your specific Mesa location which can modify price quotes substantially.
The information below demonstrates how choosing different deductibles and can affect Nissan Altima insurance rates for each different age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
Auto insurance rates by age and gender in Mesa
The chart below shows the difference between Nissan Altima annual premium costs for male and female drivers. The premium estimates are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Does it make sense to buy full coverage?
The chart below compares Nissan Altima auto insurance costs with and without physical damage coverage. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop comp and collision
There isn’t a steadfast formula for eliminating full coverage, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Nissan Altima claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are currently paying more than $400 a year for full coverage, then you might want to think about dropping full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Insurance does more than just protect your car
Despite the potentially high cost of Nissan Altima insurance, buying insurance is required for several reasons.
- Almost all states have minimum liability requirements which means you are required to carry a specific level of liability insurance coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Nissan with a loan, most lenders will make it a condition of the loan that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank may buy a policy for your Nissan at a much higher premium rate and force you to pay the higher premium.
- Insurance protects both your car and your personal assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having insurance definitely exceed the cost, particularly when you have a large claim. Today the average American driver is currently overpaying as much as $700 annually so you should quote and compare rates every year to ensure rates are competitive.
Good Decisions Result in Lower Insurance Costs
Many factors are considered when pricing auto insurance. Some are pretty understandable such as your driving history, but some are less obvious such as whether you are married and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate your premiums. If you have some idea of what determines base rates, this allows you to make good choices that could result in lower premium levels.
Listed below are some of the things that factor into your rate level.
- Eliminate incidental coverages – Policies have additional coverages that sound like a good idea at the time on your Altima policy. Coverages like personal injury protection, death and dismemberment, and additional equipment coverage could be just wasting money. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
- Your location is a factor – Residing in smaller towns and rural areas of the country has definite advantages when it comes to auto insurance. Drivers who live in large cities tend to have more aggressive driving styles and longer commutes to work. Less people means a lower chance of having an accident and a lower car theft rate.
- Liability insurance is critical – A critical coverage on your policy, liability insurance is the protection if you are found liable for causing personal injury or damage in an accident. Liability insurance provides legal defense which can cost a lot. This coverage is relatively inexpensive as compared to coverage for physical damage, so do not cut corners here.
- Vehicles with better crash test results means better rates – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles reduce occupant injuries and fewer serious injuries means your insurance company pays less which can mean better rates for you.
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Loss statistics for a Nissan Altima – Companies take into consideration insurance loss statistics for every vehicle to calculate a rate that offsets possible losses. Models that tend to have higher claim frequency or loss amount will have higher rates for specific coverages.
The information below illustrates the actual insurance loss data for Nissan Altima vehicles. For each insurance policy coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Values under 100 suggest a positive loss record, while percentage numbers above 100 point to more frequent losses or an increased chance of a larger loss.
Auto Insurance Loss Data for Nissan Altima Models Specific Nissan Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Altima 110 97 119 144 147 114 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Auto insurance policy discounts you can’t miss
Auto insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but lesser-known reductions have to be specially asked for prior to getting the savings.
- ABS Brakes – Cars with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote Mesa car insurance with some auto insurance companies.
- Payment Discounts – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
- Multiple Vehicles – Insuring more than one vehicle with one company qualifies for this discount.
- Discounts for New Vehicles – Buying a new car instead of a used Altima can cost up to 25% less because newer vehicles are generally safer.
Don’t be surprised that most credits do not apply to the whole policy. Most cut specific coverage prices like comp or med pay. Despite the appearance that you could get a free auto insurance policy, you won’t be that lucky.
The diagram below shows the comparison of Nissan Altima insurance costs with and without discounts applied to the premium. The data is based on a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.
Companies that possibly offer most of the discounts above possibly include:
If you need affordable Mesa car insurance quotes, ask every company to apply every possible discount. Some discounts might not be offered on policies in your state. For a list of providers who offer free Nissan Altima insurance quotes in Mesa, click this link.
Your insurance coverage should be tailored to you
Always keep in mind that when comparing coverage online or from an agent for your vehicles, there really isn’t a best way to insure your cars. Each situation is unique and your insurance should unique, too.
For example, these questions can aid in determining if your situation could use an agent’s help.
- Should I rate my Nissan Altima as pleasure use or commute?
- Are all vehicle passengers covered by medical payments coverage?
- Which companies are cheaper for teen drivers?
- When does my teenage driver need to be added to my policy?
- How long can I keep a teen driver on my policy?
- How much underlying liability do I need for an umbrella policy?
- Why am I required to get a high-risk car insurance policy?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Buying from car insurance agents
Many drivers would rather get professional advice from a licensed agent and doing that can be a smart decision A good thing about comparing insurance prices online is that you can obtain lower rates and also buy local. Buying from and supporting local insurance agencies is still important in Mesa.
By using this simple form, the quote information is submitted to participating agents in Mesa who will give you bids for your insurance coverage. There is no reason to contact any agents due to the fact that quote results will go directly to you. You can find the lowest rates and work with a local agent. If you want to compare prices from a specific insurance provider, you just need to jump over to their website and fill out the quote form the provide.
Finding the right insurance company should include more criteria than just the premium amount. You should also get answers to these questions.
- Do the agents have professional certifications like CPCU or CIC?
- Will they take your side in the event of a claim?
- If you have an accident, will your rates go up?
- Can they give you a list of client referrals?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agent properly licensed in Arizona?
- What is the agency’s Better Business Bureau rating?
- Does their agency support local causes in Mesa?
Best auto insurance company in Arizona
Finding a high-quality auto insurance company is difficult considering how many companies there are in Arizona. The information below can help you decide which car insurance companies you want to consider shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Affordable car insurance rates are available
Affordable Nissan Altima insurance in Mesa can be purchased from both online companies as well as from independent agents in Mesa, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get quotes online and these smaller companies only sell through independent insurance agents.
We just presented quite a bit of information on how to reduce Nissan Altima insurance auto insurance rates online in Mesa. The key concept to understand is the more you quote Mesa car insurance, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small mutual company. They may often insure only within specific states and give better rates compared to the large companies like State Farm or Progressive.
When buying insurance coverage, you should never reduce needed coverages to save money. There are a lot of situations where someone dropped full coverage only to regret that the savings was not a smart move. Your goal should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.
More information can be found on the following sites:
- Collision Coverage (Liberty Mutual)
- What Insurance is Cheapest for a Nissan Altima in Mesa? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Kia Optima in Mesa? (FAQ)
- How Much is Mesa Car Insurance for a Toyota Corolla? (FAQ)
- What Car Insurance is Cheapest After a Speeding Ticket in Mesa? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Mesa? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Hyundai Santa Fe in Mesa? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Should I Buy a New or Used Car? (Allstate)
- Red Light Cameras (State Farm)
- Get the Right Protection (InsureUonline.org)