Best Cheap Insurance for a Nissan Altima in Connecticut
Enter your Connecticut zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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When discussing car insurance, the words cheap or affordable really shouldn’t be used anywhere to describe car insurance rates. The fact is, cheap auto insurance for a Nissan Altima may be a thing of the past. Don’t let that ruin your day, because we will show you how you can quote coverage that is cheaper than your current rate.
Your chances of finding affordable insurance for a Nissan Altima in Connecticut is dependent upon a complex formula that factors things like how experienced of a driver you are, whether you are claim-free, and physical damage deductibles. Drivers in Connecticut pay on average $960 per year for Altima insurance, but that price is a ballpark figure that rates a 50-year-old married female driver who purchased both comprehensive and collision coverage and $250 policy deductibles.
Odds are that you are not exactly 50 years old and possibly not even female, maybe you are single instead of married, or you just prefer to insure for liability only. Not everyone needs the same coverages, so the best way to find the most affordable coverage for your Nissan is to put in the effort and compare rates.
The specific model of Altima tends to have a direct impact on the yearly cost, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $216 cheaper than the insurance cost for the high end Altima 3.5 SR 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$206||$372||$324||$20||$98||$1,020||$85|
|Altima 2.5 S 4-Dr Sedan||$206||$440||$324||$20||$98||$1,088||$91|
|Altima Hybrid 4-Dr Sedan||$232||$440||$324||$20||$98||$1,114||$93|
|Altima 2.5 S 2-Dr Coupe||$232||$440||$366||$22||$110||$1,170||$98|
|Altima 3.5 SR 4-Dr Sedan||$232||$440||$324||$20||$98||$1,114||$93|
|Altima 3.5 SR 2-Dr Coupe||$232||$506||$366||$22||$110||$1,236||$103|
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific garaging location which can impact premiums greatly.
Comparing rates for affordable car insurance is easier said than done, and determining which company offers the most affordable car insurance rates for a Nissan Altima may require more quotes for comparison. Each insurer uses their own formula for determining prices, so let’s begin by examining the most affordable car insurance companies in Connecticut.
|Rank||Company||Cost Per Year|
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Utica National generally has some of the most affordable car insurance rates in Connecticut at around $1,005 each year. Travelers, Amica, USAA, and Nationwide would also make the list of some of the most economical Connecticut auto insurance companies.
In this example, if you are a policyholder with Nationwide and switched to Travelers, you could realize an annual savings of approximately $288. Drivers with Unitrin could save as much as $381 a year, and State Farm policyholders might see rate reductions of $438 a year.
If you want to find out if you’re overpaying, click here to get quotes or quote prices from the following companies.
Enter your zip code below to view companies that have cheap auto insurance rates.
Be aware that those premium estimates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Nissan Altima. So the company that has the cheapest rates for you may not even be featured in the above list. That’s why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Discounts on Connecticut car insurance rates
Insurance providers that sell the best cheap insurance for a Nissan Altima in Connecticut may provide premium discounts that can reduce rates by 40% or more if you meet the requirements. Popular car insurance companies and a partial list of their discounts are outlined below.
- The Hartford may have discounts that include bundle, air bag, driver training, good student, and vehicle fuel type.
- American Family has savings for early bird, TimeAway discount, air bags, Steer into Savings, mySafetyValet, good student, and good driver.
- Progressive may offer discounts for continuous coverage, good student, online signing, multi-policy, homeowner, multi-vehicle, and online quote discount.
- Travelers includes discounts for hybrid/electric vehicle, early quote, multi-car, home ownership, payment discounts, and driver training.
- Farmers Insurance has discounts for multi-car, distant student, teen driver, homeowner, switch companies, mature driver, and alternative fuel.
- USAA offers premium reductions for multi-policy, defensive driver, military installation, family discount, and safe driver.
- Liberty Mutual offers discounts for teen driver discount, newly retired, good student, multi-car, preferred payment discount, and hybrid vehicle.
The information below visualizes the comparison of car insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, a clean driving record, no at-fault accidents, Connecticut state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, vehicle safety, defensive driving course, anti-theft, accident-free, and multiple vehicle discounts applied. With discounts applied, the average amount saved each year on car insurance for a Nissan Altima is 28% or $575.
Difference between full coverage and liability only rates
Finding the best cheap insurance for a Nissan Altima in Connecticut should be important to most vehicle owners, and an easy way to reduce the cost of insurance is to not pay for full coverage. The diagram below illustrates the difference between annual premium costs with and without physical damage coverage. The data assumes a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are taken into consideration.
As an average, physical damage coverage costs $2,078 per year more than insuring for liability only. A very common question is if paying for full coverage is a waste of money. There is no clear-cut rule to stop paying for full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
Shop around and save
Connecticut car insurance rates are impacted by many things that will increase or decrease the policy premium. Simply improving your credit, buying a different home, or getting into an accident may prompt premium changes that may make certain companies more affordable than the competition. Not only may your risk profile change, but companies file new Connecticut auto insurance rates every year to reflect underwriting profits or losses. Heavy losses may result in high rates, while a better claims history can result in cheaper Altima insurance rates.
To illustrate this example, the bar chart below shows the cheapest car insurance in Connecticut for a 40-year-old female driver with a clean driving record, no accidents, and excellent credit. If we estimate prices based on her current rating profile, Utica National offers the cheapest car insurance rates in Connecticut at $965 per year. This is $1,023 less than the average rate paid by Connecticut drivers of $1,988. Travelers, Amica, USAA, and Nationwide are the remaining most affordable Connecticut auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim surcharge, a lower credit score, and a couple of points charged on her driving record. Because each company has their own process for filing rates in each state, getting updated rate quotes most likely will result in a substantially altered list of the cheapest Connecticut car insurance companies as shown below.
MetLife now has the best insurance rate in Connecticut with Unitrin, General Casualty, California Casualty, and Travelers now being in the top five. This demonstrates why consumers need to take the time to perform a complete rate comparison to find the most affordable insurance rates for a Nissan Altima. Rates are determined by many factors and can change substantially, so the most affordable company when you last compared rates may now be wasting a lot of money.
Who has the cheapest Nissan Altima insurance quotes?
Thanks to the internet, there are a lot of ways to quote cheap car insurance rates in Connecticut, but the most preferred are through a captive (or exclusive) agent such as Allstate or State Farm, an independent agent, or from a direct company like Progressive or Geico.
You can use whichever you prefer, but buyers should know the differences in how they price policies.
Independent agencies are appointed by several companies and can get policy pricing from each one. They can give you more rates, which may provide you with a better overall rate comparison. If cheaper coverage is found, your policy can be easily switched to a different company and you can keep the same agent.
A captive, or exclusive, agent is contracted to a single insurance company, a couple examples are an Allstate or State Farm agent. These agents are not able to quote prices from more than a single company, so if rates are not competitive, they cannot shop around.
The third popular method of shopping for car insurance is direct, which means you do not use an independent or exclusive agent and buy direct online or over the phone from a company like Geico or Esurance. Shopping for car insurance direct may be a decent choice people who have an average risk profile and have an above average understanding of what coverages they need.
So which of those three methods works best for finding the best cheap insurance for a Nissan Altima in Connecticut? Most people would assume that shopping direct results in the cheapest price because there are no middleman commissions, but that is generally not the case. We could also assume that an independent agency guarantees the best prices because they can shop around, but that is not necessarily true either. For the right applicant, the exclusive agents have price quotes that cannot be met by either independent or direct companies.
Because there are so many factors that make up car insurance rates, the guaranteed way to ensure you are not overpaying is to get quotes and compare. The best approach is to get prices from all three to give yourself enough choices. We compiled a list of companies with some of the cheapest online rates that you can click here to view.
Tips for finding 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 you locate cheap coverage.
- Prevent rate increases by staying accident-free
- Just one traffic violation will increase your rates
- Good credit can mean cheaper rates
- Drive vehicles with five-star safety ratings
- Discounts for being claim-free can be substantial
- Comparison shop frequently
The last item on the list is highly vital, as we emphasized in this write-up. Prices in Connecticut can be changed at any time, so you should be ready to change insurance companies if a more affordable rate is found. Having a favorite company is fine, but it’s not recommended if it’s costing you money that could be going to better use. In just a few minutes you could compare rates to find cheaper insurance for a Nissan Altima.
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