Trying to find low-cost insurance for a Nissan Altima in New York can normally be a painful process, but you can learn a few tricks and make it easy.
There are both good and bad ways to compare insurance rates and you need to know the quickest way to compare rates for a new or used Nissan and obtain the lowest possible price either online or from New York City insurance agents.
It is always a good idea to check insurance prices before your next renewal since insurance prices change quite often. Just because you found the best price on Nissan Altima insurance in New York City six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you're going to get a crash course in the fastest way to lower your annual insurance bill.
Finding and buying the most affordable insurance policy in New York City is not as hard as you may think. If you have a policy now or just want a better rate, use these tips to save money and still have adequate protection. Vehicle owners just have to learn the most efficient way to get comparison rates from many different companies.
The majority of larger companies like Allstate and Progressive give pricing on the web. Getting online quotes for Nissan Altima insurance in New York City is fairly straightforward as you just type in the coverage amounts you desire on the page. After the form is submitted, their system gets your driving record and credit report and returns pricing information based on these and other factors.
Quoting online for Nissan Altima insurance in New York City streamlines rate comparisons, and it's absolutely necessary to perform this step if you are searching for the cheapest price on auto insurance.
In order to find out if lower rates are available, compare rates now from the companies shown below. If you have a policy now, it's recommended you replicate the coverages as close as possible to your current policy. Doing this guarantees you will have a price comparison for exact coverage.
The companies shown below offer price comparisons in New York City, NY. To buy cheap car insurance in New York, we recommend you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$200||$396||$320||$18||$96||$1,030||$86|
|Altima 2.5 S 4-Dr Sedan||$98||$218||$254||$16||$76||$662||$55|
|Altima Hybrid 4-Dr Sedan||$180||$370||$344||$20||$104||$1,018||$85|
|Altima 2.5 S 2-Dr Coupe||$222||$476||$338||$20||$102||$1,158||$97|
|Altima 3.5 SR 4-Dr Sedan||$198||$418||$300||$18||$90||$1,024||$85|
|Altima 3.5 SR 2-Dr Coupe||$184||$434||$362||$22||$108||$1,110||$93|
|Get Your Own Custom Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can revise rates noticeably.
How careless driving impacts auto insurance rates
The illustration below illustrates how speeding tickets and fender-benders impact Nissan Altima premium costs for different age groups of insureds. The premiums are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
Score discounts on New York City auto insurance
Companies offering auto insurance do not list their entire list of discounts in an easy-to-find place, so we took the time to find some of the more common as well as the least known credits that you can use to lower your rates.
- Federal Government Employee - Having worked for a branch of the government may qualify for a discount when you quote New York City auto insurance depending on your company.
- Payment Method - By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
- Bundle and Save - If you have multiple policies with one insurance company you may save at least 10 to 15 percent or more.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- College Student - Youth drivers who attend college more than 100 miles from New York City and won't have access to an insured vehicle may qualify for this discount.
- Waiver for an Accident - Not a discount per se, but some insurance companies allow you one accident without the usual rate increase if your claims history is clear for a certain period of time.
- Low Mileage Discounts - Fewer annual miles on your Nissan could be rewarded with lower auto insurance rates due to less chance of an accident.
- Save with a New Car - Buying a new car model can save you some money because newer vehicles have to meet stringent safety requirements.
- E-sign - Some insurance companies will give a small break simply for signing digitally online.
- Auto/Life Discount - Some insurance companies give a break if you buy a life insurance policy as well.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, that's just not realistic.
Companies and a summarized list of policyholder discounts are shown below.
- GEICO may offer discounts for daytime running lights, military active duty, seat belt use, membership and employees, multi-policy, multi-vehicle, and good student.
- Travelers may have discounts that include save driver, good student, driver training, IntelliDrive, multi-policy, new car, and payment discounts.
- Farm Bureau has savings for youthful driver, good student, 55 and retired, safe driver, multi-vehicle, renewal discount, and driver training.
- Liberty Mutual offers discounts for teen driver discount, new move discount, multi-car, multi-policy, good student, exclusive group savings, and safety features.
- American Family may include discounts for multi-vehicle, early bird, air bags, mySafetyValet, accident-free, and TimeAway discount.
- Progressive includes discounts for multi-policy, good student, online signing, homeowner, online quote discount, continuous coverage, and multi-vehicle.
If you are trying to find cheaper New York City auto insurance quotes, ask every prospective company which discounts they offer. Some credits may not apply in every state. To see a list of providers who offer online Nissan Altima insurance quotes in New York City, click here.
When to talk to an agent
Some people just prefer to get professional advice from a licensed agent and that is a smart decision Good agents can answer important questions and help in the event of a claim. One of the benefits of price shopping on the web is you may find the lowest rates but still work with a licensed agent. And providing support for neighborhood agents is important especially in New York City.
To find an agent, once you fill out this quick form, your coverage information is emailed to agents in your area who will give competitive quotes for your insurance coverage. You won't need to find an agent as quotes are delivered directly to your email. If you wish to get a price quote from a specific insurance company, just find their quoting web page and give them your coverage information.
Exclusive or Independent: There is a difference
If you're trying to find a reliable insurance agency, you need to know there are two different types of agents and how they are slightly different. Insurance agencies are categorized either independent or exclusive. Both types of agents can insure your vehicles, but it's a good idea to understand how they are different since it could factor into the type of agent you choose.
Independent Agents (or Brokers)
Independent agencies often have many company appointments so as a result can place your coverage with lots of companies and possibly get better coverage at lower prices. If your premiums go up, the agent simply finds a different carrier and you don't have to do anything.
If you are comparing insurance prices, you should always get insurance quotes from several independent insurance agents to get the most accurate price comparison. Most independent agents also contract with lesser-known insurance companies which may have better rates.
Shown below is a short list of independent insurance agencies in New York City who can help you get rate quotes.
- New York Life Insurance Company
1 Metrotech Center, 17th Floor - Brooklyn, NY 11201 - (201) 953-4806 - View Map
- New York Life Insurance Company - Long Term Care
420 Lexington Ave - New York, NY 10170 - (212) 481-4983 - View Map
- N Y Life Insurance
3901 Main St #307 - Flushing, NY 11354 - (718) 886-3323 - View Map
Exclusive agents have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to shop your coverage around so you might not find the best rates. These agents are highly trained on their company's products which helps them compete with independent agents. A lot of people buy insurance from these agents primarily because of loyalty to the company rather than having low rates.
Shown below is a list of exclusive insurance agents in New York City that can give you comparison quotes.
- Erik Chiprich - State Farm Insurance Agent
180 W 80th St #208 - New York, NY 10024 - (212) 362-1112 - View Map
- Julie De Rossi - State Farm Insurance Agent
39 Broadway, Lobby - New York, NY 10006 - (212) 514-8260 - View Map
- Jari Santiago - State Farm Insurance Agent
62 Sherman Ave - New York, NY 10040 - (646) 478-8484 - View Map
Selecting an auto insurance agent should depend on more than just the price. Here are some questions you might want to ask.
- Which companies do they recommend if they are an independent agency?
- How much experience to they have in personal lines coverages?
- Is there a local claims center in New York City?
- Can they give you a list of client referrals?
- Where would your vehicle be repaired?
If you receive positive responses to any questions you may have and an acceptable price quote, you have narrowed it down to an insurance agent that can be relied on to adequately provide insurance. Just be aware that once you purchase a policy you can cancel your policy at any point so don't assume that you are permanently stuck with a specific company with no way out.
Why You Might Pay Higher Rates in New York City
Multiple criteria are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but other factors are not quite as obvious like where you live or how safe your car is.
Discounts for auto and home policies - Most major insurers will give a discount to policyholders who buy several policies from them in the form of a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even with this discount, drivers will still want to compare Nissan Altima rates in New York City to ensure the best deal. It's possible to still find better rates by buying from different companies
Liability is cheap - Liability coverage kicks in in the event that you are determined to be liable for damages from an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
Safety ratings are a factor - Cars with five star safety ratings can get you lower premiums. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies which can mean better rates for you. If your Nissan is rated at a minimum four stars on Safercar.gov it may be receiving lower rates.
Demanding job may mean higher rates - Did you know your job can affect your rates? Occupations like lawyers, airline pilots, and medical professionals have higher premium rates in part from high stress levels and long work hours. Conversely, careers such as scientists, engineers and performers have the lowest average rates.
Don't buy extra policy coverages you don't need - There are a lot of extra coverages that can waste your money on your auto insurance policy. Coverages like roadside assistance, accidental death, and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but if they're wasting money consider taking them off your policy.
Too many claims drive up auto insurance rates - If you're an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Car insurance companies in New York give the lowest premiums to drivers who only file infrequent claims. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
Poor driving habits leads to higher prices - Drivers who don't get tickets pay less for auto insurance as compared to those with violations. Getting just one ticket can increase the cost of insurance twenty percent or more. Drivers unfortunate enough to have careless violations such as DUI or reckless driving are required to maintain a SR-22 with their state in order to prevent a license revocation.
Nissan Altima claim data - Car insurance companies use claims history to calculate a price that will offset losses. Models that are shown to have a trend towards higher claim severity or frequency will have a higher premium rate. The table shown below demonstrates the actual insurance loss data for Nissan Altima vehicles.
For each type of coverage, the statistical loss for all vehiclescombined as an average is represented as 100. Percentages below 100 are indicative of better than average losses, while numbers shown that are more than 100 indicate higher probability of having a loss or statistically larger claims.
Nissan Altima Insurance Claim Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Car insurance is not optional but you don't have to overpay
Despite the high cost, insuring your vehicle is a good idea for several reasons.
First, almost all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability in order to license the vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, more than likely the lender will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you default on your policy, the lender may have to buy a policy to insure your Nissan at a significantly higher premium and make you pay for the expensive policy.
Third, insurance safeguards both your Nissan and your assets. It will also pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance more than offset the price you pay, particularly if you ever have a claim. Today the average American driver overpays as much as $855 a year so it's very important to do a rate comparison once a year at a minimum to ensure rates are competitive.
Compare. Compare. Compare.
People who switch companies do it for any number of reasons including not issuing a premium refund, high rates after DUI convictions, high prices or questionable increases in premium. Regardless of your reason for switching companies, switching auto insurance companies is pretty easy and you might even save some money in the process.
Throughout this article, we presented a lot of techniques to get a better price on Nissan Altima insurance in New York City. The key thing to remember is the more you quote New York City auto insurance, the better your comparison will be. You may even discover the best price on auto insurance is with a lesser-known regional company.
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.
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