Insurance quote for Nissan Altima in NorfolkPretty sure you bought an underperforming, overpriced auto insurance policy? Don't feel bad because many Norfolk consumers feel financially strained by their auto insurance policy.

Regrettably, a large majority of consumers have remained with the same auto insurance company for over three years, and nearly half have never compared rates to find cheaper insurance. Drivers in the United States could save an average of almost $860 each year by just shopping around, but most tend to underestimate the rate savings if they switched to a cheaper policy.

Vehicle owners have so many insurance companies to choose from, and though it is a good thing to be able to choose, more choices can make it harder to adequately compare rates for Nissan Altima insurance in Norfolk.

It's a good habit to price shop coverage yearly because auto insurance prices change regularly. Even if you got the best rates on Nissan Altima insurance in Norfolk six months ago there is a good chance you can find better premium rates now. There are a lot of ways to save on Altima insurance online but we're going to give you some solid techniques on how to buy auto insurance cheaper in Norfolk.

Discount Norfolk insurance quotes

Auto insurance companies do not list every available discount in a way that's easy to find, so below is a list both well-publicized and also the more inconspicuous credits available to bring down your rates. If they aren't giving you every credit you deserve, it's possible you qualify for a lower rate.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn't stay in business. But any discount should definitely cut your overall premium however.

A few companies who might offer some of the above discounts may include but are not limited to:

If you are trying to find affordable Nissan Altima insurance quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in Norfolk.

It's important to know that comparing more rates from different companies will enable you to find a lower rate than you're paying now. Some companies don't provide online rate quotes, so you also need to get rates from them as well.

The following companies have been selected to offer price quotes in Norfolk, VA. If more than one company is shown, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Nissan Altima Insurance Costs in Norfolk, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $190 $392 $270 $16 $80 $948 $79
Altima 2.5 S 4-Dr Sedan $198 $394 $258 $16 $78 $944 $79
Altima Hybrid 4-Dr Sedan $214 $462 $270 $16 $80 $1,042 $87
Altima 2.5 S 2-Dr Coupe $242 $462 $296 $18 $88 $1,106 $92
Altima 3.5 SR 4-Dr Sedan $192 $392 $242 $14 $72 $912 $76
Altima 3.5 SR 2-Dr Coupe $136 $328 $352 $20 $106 $942 $79
Get Your Own Custom Quote Go

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in Norfolk location which can change premium rates substantially.

Should you raise deductibles?

One common question asked by Norfolk drivers is where to set your physical damage deductibles. The tables below lay out the costs and benefits when you select higher and lower coverage deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second data table 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 $198 $336 $258 $16 $78 $911 $76
Altima 2.5 S 4-Dr Sedan $198 $394 $258 $16 $78 $969 $81
Altima Hybrid 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
Altima 2.5 S 2-Dr Coupe $224 $394 $290 $18 $88 $1,039 $87
Altima 3.5 SR 4-Dr Sedan $224 $394 $258 $16 $78 $995 $83
Altima 3.5 SR 2-Dr Coupe $224 $454 $290 $18 $88 $1,099 $92
Get Your Own Custom Quote Go
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 $162 $270 $258 $16 $78 $784 $65
Altima 2.5 S 4-Dr Sedan $162 $318 $258 $16 $78 $832 $69
Altima Hybrid 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
Altima 2.5 S 2-Dr Coupe $182 $318 $290 $18 $88 $896 $75
Altima 3.5 SR 4-Dr Sedan $182 $318 $258 $16 $78 $852 $71
Altima 3.5 SR 2-Dr Coupe $182 $366 $290 $18 $88 $944 $79
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in zip code location which can raise or lower price quotes substantially.

Based on the data above, we can derive that using a $250 deductible costs approximately $12 more each month or $144 for a full year than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have more than 21 months between claims, you would save more money if you decide on a higher deductible. The illustration below shows an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $84
Average monthly premium for $500 deductibles (subtract): - $72
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that raising deductibles to save money results in a higher out-of-pocket expense when you have a physical damage claim. That will force you to have enough savings in order to pay more to get your vehicle repaired.

Physical damage deductibles

The illustration below shows how choosing a deductible and can influence Nissan Altima insurance costs for each age group. The premiums assume a single female driver, full coverage, and no other discounts are factored in.

Five Tips to Get Cheaper Norfolk Insurance Costs

Multiple criteria are part of the equation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other factors are not quite as obvious such as your marital status or your commute time.

The list below includes a few of the "ingredients" used by companies to determine your rates.

How much insurance do I need?

When it comes to buying the best insurance coverage, there really isn't a "perfect" insurance plan. Your needs are not the same as everyone else's and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation could use an agent's help.

If you can't answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Should I talk to an insurance agent?

Certain consumers prefer to have an agent's advice and doing that can be a smart decision One of the best bonuses of comparing rate quotes online is that drivers can save money and get lower rates and still have a local agent. And buying from neighborhood insurance agencies is still important in Norfolk.

Once you complete this form (opens in new window), your coverage information is immediately sent to local insurance agents in Norfolk that provide free Norfolk auto insurance quotes for your coverage. There is no reason to leave your house since price quotes are sent instantly to you. It's the lowest rates and a licensed agent to work with. If for some reason you want to compare rates for a specific company, you would need to search and find their rate quote page to submit a rate quote request.

If you are wanting to find local Norfolk agents, there are two types of agencies and how they differ in how they can insure your vehicles. Agencies in Norfolk are considered either exclusive agents or independent agents.

Independent Agents (or Brokers)

Agents that elect to be independent are not required to write business for one company so they can quote policies with many different companies and get the cheapest rates. If they find a lower price, they simply switch companies in-house and you don't have to switch agencies.

When comparing insurance rates, it's recommended you contact a few independent agents so that you have a good selection of quotes to compare.

The following are independent agents in Norfolk that may be able to provide free insurance quotes.

Hamilton Insurance Agency
6340 Center Dr - Norfolk, VA 23502 - (757) 466-7766 - View Map

Richard M Marshall Insurance
132 Afton Ave - Norfolk, VA 23505 - (757) 480-6539 - View Map

7925 Halprin Dr - Norfolk, VA 23518 - (757) 583-2100 - View Map

View more Norfolk agents

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company and examples are AAA, Allstate, and State Farm. They usually cannot place coverage with different providers so always compare other rates. They receive a lot of sales training on what they offer which helps them sell on service rather than price.

Listed below is a list of exclusive agencies in Norfolk that are able to give comparison quotes.

501 E Brambleton Ave - Norfolk, VA 23510 - (757) 623-2755 - View Map

1815 E Little Creek Rd - Norfolk, VA 23518 - (757) 480-0033 - View Map

5750 Chesapeake Blvd #309 - Norfolk, VA 23513 - (757) 842-9039 - View Map

View more Norfolk agents

Selecting an insurance agent needs to be determined by more than just the bottom line cost. Any agent in Norfolk should be willing to answer these questions.

Car insurance does more than just protect your car

Even though it can be expensive, maintaining insurance is required in Virginia but it also protects you in many ways.

The benefits of buying car insurance more than offset the price you pay, especially with large liability claims. The average driver in Virginia is wasting up to $865 each year so compare rates at every policy renewal to ensure rates are inline.

Quote often and quote early

Budget-conscious Nissan Altima insurance is available on the web and from local insurance agents, so you need to quote Norfolk auto insurance with both to have the best rate selection. Some car insurance companies may not have online quoting and usually these small, regional companies sell through independent insurance agents.

When searching for affordable Norfolk auto insurance quotes, never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

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