Cheapest Rate Quotes for Nissan Altima Insurance in Cleveland

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Unthinkable but true, the vast majority of consumers in Ohio have been with the same company for well over three years, and practically 40% of auto insurance customers have never compared rate quotes at all. American insurance shoppers could pocket approximately $850 a year just by getting comparison quotes, but most tend to underestimate how much they could save if they swap their current policy for a cheaper one.

Insurance rates Nissan Altima in ClevelandIt takes a few minutes, but the best way to find cheaper prices for Nissan Altima insurance is to do a yearly price comparison from providers in Cleveland. This can be done by following these guidelines.

  • Step 1: Gain an understanding of how insurance works and the measures you can control to drop your rates. Many rating factors that result in higher rates such as distracted driving and poor credit history can be eliminated by improving your driving habits or financial responsibility.
  • Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources. Start a quote
  • Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find a better price, make sure there is no lapse in coverage.
  • Step 4: Notify your agent or company to cancel your current car insurance policy and submit a signed application and payment to your new agent or company. When you receive it, put the certificate of insurance in a readily accessible location in your vehicle.

One key aspect of rate comparisons is to compare identical coverages on each quote request and and to look at every company you can. This helps ensure a level playing field and a complete price analysis.

How to lower your Nissan Altima insurance cost in Cleveland

There are several ways to obtain and compare prices from companies that offer insurance in Ohio. The quickest method to do a complete rate comparison consists of obtaining rate quotes online.

Doing online quotes comparisons is so easy that it makes it obsolete to spend time driving to and from local Cleveland insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless you require the professional advice that only an agent can give. Although you can price shop online but buy from a local insurance agent. When price shopping your coverage, comparing more rates from different companies helps increase your odds of locating a better price. Not every company allows you to get online rate quotes, so it's important to also get price estimates from those companies as well.

The car insurance companies shown below offer price comparisons in Cleveland, OH. If multiple companies are listed, we recommend you get prices from several of them to find the most competitive car insurance rates.

Here's why insurance is not optional

Even though it's not necessarily cheap to insure a Nissan in Cleveland, buying insurance may be mandatory for several reasons.

First, almost all states have minimum liability requirements which means you are required to carry a specific level of liability in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, more than likely the lender will require that you buy insurance to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your Nissan at an extremely high rate and require you to pay for it.

Third, insurance protects your Nissan and your assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees in the event you are sued. If you have damage to your Nissan as the result of the weather or an accident, your policy will cover the repair costs.

The benefits of buying enough insurance definitely exceed the price paid, especially for larger claims. Unknowingly, the average driver overpays more than $800 each year so you should quote and compare rates every year to help ensure money is not being wasted.

Insurance rate breakdown

The premium table displayed below outlines different insurance prices for Nissan Altima models. Having a good grasp of how car insurance premiums are determined can assist in making smart choices when selecting a coverage provider.

Nissan Altima Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $98 $172 $234 $14 $70 $588 $49
Altima 2.5 S 4-Dr Sedan $98 $202 $234 $14 $70 $618 $52
Altima Hybrid 4-Dr Sedan $112 $202 $234 $14 $70 $632 $53
Altima 2.5 S 2-Dr Coupe $112 $202 $264 $16 $80 $674 $56
Altima 3.5 SR 4-Dr Sedan $112 $202 $234 $14 $70 $632 $53
Altima 3.5 SR 2-Dr Coupe $112 $232 $264 $16 $80 $704 $59
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in your specific Cleveland location which can decrease or increase premium rates substantially.

Should you raise deductibles?

One frequently asked question is where should you set your physical damage deductibles. The rates below highlight how much more you'll pay when you select higher and lower deductibles. The first table uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Nissan Altima insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $176 $296 $226 $14 $68 $805 $67
Altima 2.5 S 4-Dr Sedan $176 $348 $226 $14 $68 $857 $71
Altima Hybrid 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Altima 2.5 S 2-Dr Coupe $198 $348 $256 $16 $76 $919 $77
Altima 3.5 SR 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Altima 3.5 SR 2-Dr Coupe $198 $400 $256 $16 $76 $971 $81
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Nissan Altima insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $142 $238 $226 $14 $68 $688 $57
Altima 2.5 S 4-Dr Sedan $142 $280 $226 $14 $68 $730 $61
Altima Hybrid 4-Dr Sedan $160 $280 $226 $14 $68 $748 $62
Altima 2.5 S 2-Dr Coupe $160 $280 $256 $16 $76 $788 $66
Altima 3.5 SR 4-Dr Sedan $160 $280 $226 $14 $68 $748 $62
Altima 3.5 SR 2-Dr Coupe $160 $324 $256 $16 $76 $832 $69
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in vehicle location which can lower or raise premiums substantially.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $11 more each month or $132 every year than opting for the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 23 months between claim filings, you would save money if you elect the higher deductible. The illustration below shows an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $74
Average monthly premium for $500 deductibles (subtract): - $63
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

The example below demonstrates how deductible levels and can impact Nissan Altima insurance costs for each age group. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.

Full coverage or liability only

The illustration below illustrates the comparison of Nissan Altima premium costs with full coverage and liability only. The data is based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.

When to switch to liability coverage only

There is no set rule to stop paying for physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's say your Nissan Altima replacement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $6,000 after the deductible is paid. If you are paying more than $600 annually to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where only buying liability is not a good plan. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Verify you're getting every discount

Car insurance is neither fun to buy or cheap, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few must be inquired about in order for you to get them.Discount car insurance

  • Save over 55 - Mature drivers may receive better car insurance rates.
  • No Claim Discounts - Drivers who don't have accidents get the best car insurance rates compared to drivers who are more careless.
  • Government Employees - Federal government employees may reduce rates when you quote Cleveland car insurance with some car insurance companies.
  • Paperless Signup - Certain insurance companies may give you up to $50 for buying a policy and signing up online.
  • Sign Early and Save - A few insurance companies offer discounts for renewing your policy before your current expiration date. It could save around 10% when you buy Cleveland car insurance online.
  • Distant College Student Discount - Children who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
  • Use Seat Belts - Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Life Insurance - Larger companies have a small discount if you purchase a life insurance policy as well.
  • Multiple Cars - Having multiple cars or trucks on the same car insurance policy can reduce rates for all insured vehicles.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. Even though the math looks like adding up those discounts means a free policy, insurance companies wouldn't stay in business.

The example below compares Nissan Altima auto insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, marriage, multi-car, and claim-free discounts applied.

For a list of insurance companies with the best discounts in Ohio, click here.