Discount Nissan Altima insuranceHow long has it been since you shopped around for more affordable insurance rates in Chesapeake, VA? Chesapeake consumers have lots of choices when looking for the lowest priced Nissan Altima insurance. They can either waste time driving around to compare prices or save time using the internet to find the lowest rates. There are both good and bad ways to compare insurance rates so you're going to learn the absolute fastest way to price shop coverage for your Nissan and locate the best price possible either online or from Chesapeake insurance agents.

Smart consumers take time to shop coverage around at least once a year since rates fluctuate regularly. Even if you got the best deal on Nissan Altima insurance in Chesapeake two years ago you can probably find a better price now. Ignore everything you know about insurance because you're about to learn how to quote online to properly buy coverages and cut your premium.

If you have coverage now or are looking for a new policy, you can use this information to reduce premiums without reducing protection. The purpose of this article is to teach you a little about how car insurance quotes work and some tips to save money. You only need to know the most efficient way to compare prices from many companies at once.

Best companies for Nissan Altima insurance

The companies shown below offer price comparisons in Chesapeake, VA. If multiple companies are listed, it's a good idea that you click on several of them in order to find the most affordable rates.

Nissan Altima Insurance Estimates in Chesapeake, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $120 $206 $262 $16 $78 $682 $57
Altima 2.5 S 4-Dr Sedan $118 $280 $334 $20 $100 $852 $71
Altima Hybrid 4-Dr Sedan $194 $386 $290 $18 $88 $976 $81
Altima 2.5 S 2-Dr Coupe $204 $364 $300 $18 $90 $976 $81
Altima 3.5 SR 4-Dr Sedan $134 $280 $334 $20 $100 $868 $72
Altima 3.5 SR 2-Dr Coupe $134 $324 $378 $22 $114 $972 $81
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in specific location information which can impact coverage rates considerably.

Rate comparison for different deductibles

One common question asked by Chesapeake drivers is the level to set your comp and collision deductibles. The tables below highlight the differences in price of buying low and high insurance deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Nissan Altima insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $222 $400 $258 $16 $78 $999 $83
Altima 2.5 S 4-Dr Sedan $222 $472 $258 $16 $78 $1,071 $89
Altima Hybrid 4-Dr Sedan $250 $472 $258 $16 $78 $1,099 $92
Altima 2.5 S 2-Dr Coupe $250 $472 $290 $18 $88 $1,143 $95
Altima 3.5 SR 4-Dr Sedan $250 $472 $258 $16 $78 $1,099 $92
Altima 3.5 SR 2-Dr Coupe $250 $542 $290 $18 $88 $1,213 $101
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Nissan Altima insurance 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
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific Chesapeake garaging location which can alter coverage rates noticeably.

Based on the above data, using a $100 deductible will cost in the ballpark of $20 more each month or $240 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 20 months between claims, you would save more money going with the higher deductible.

Take policy discounts and save on Nissan Altima insurance in Chesapeake

The price of auto insurance can be rather high, but you might already qualify for some discounts that you may not even know about. Many discounts should be triggered when you quote, but some may not be applied and must be inquired about prior to getting the savings.

Discounts lower rates, but most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it's possible to get free car insurance, you're out of luck.

A list of companies and the discounts they provide include:

Check with all the companies which discounts they offer. Some discounts listed above might not apply in Chesapeake. To see insurance companies offering insurance discounts in Chesapeake, click here.

Car insurance is available from agents near you

Many people prefer to sit down with an agent and that is not a bad decision Most agents can make sure you are properly covered and help submit paperwork. The best thing about price shopping on the web is the fact that you can find cheaper premium rates but still work with a licensed agent.

Insurance agency in ChesapeakeFor easy comparison, once you complete this short form, your information gets sent to agents in your area that give free quotes for your coverage. It simplifies rate comparisons since you won't have to do any legwork as quotes are delivered to you directly. In the event you want to get a comparison quote for a specific company, just navigate to their website and fill out the quote form the provide.

Selecting an insurer requires you to look at more than just a low price. Any agent in Chesapeake should have no problem answering these questions:

If you want to buy car insurance from a local insurance agency, there are two types of insurance agents and how they can quote your rates. Car insurance agencies can either be independent or exclusive depending on the company they work for. Either can sell and service car insurance coverage, but it's worth mentioning how they differ since it could factor into which agent you choose.

Exclusive Agencies

Agents that choose to be exclusive can usually just insure with one company such as Allstate, State Farm and Farm Bureau. They usually cannot shop your coverage around so always compare other rates. These agents are highly trained on their company's products and that can be a competitive advantage. Consumers sometimes choose to use a exclusive agent partially due to the brand legacy rather than having low rates.

Listed below are exclusive agencies in Chesapeake that are able to give price quotes.

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Independent Agents (or Brokers)

These type of agents do not write with just one company and that is an advantage because they can write policies amongst many companies depending on which coverage is best. If your agent finds better pricing, they simply move your policy to a different company and you won't have to switch agencies.

If you are trying to find cheaper rates, you should always get insurance quotes from several independent agencies to have the most options to choose from. They also have the ability to place coverage with small mutual carriers that many times have cheaper rates.

Below is a list of independent insurance agencies in Chesapeake that can give you rate quotes.

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Switch companies and save? Really?

Virginia consumers get pounded daily by advertisements that claim the lowest premium rates from companies such as State Farm, GEICO and Progressive. They all tend to make the same promise that drivers can save some big amount after switching your coverage to them.

How can each company lower your premium rates? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that earns them the highest profit. For instance, a profitable risk profile might be between the ages of 30 and 50, carries full coverage, and drives a lower-performance vehicle. Any person who matches those parameters will get a cheap rate quote in Chesapeake as well as cut their rates substantially.

Potential customers who do not fit these stringent criteria will be charged higher prices and this results in the driver buying from a lower-cost company. If you pay attention, the ads say "drivers who switch" but not "everyone who gets a quote" save that much when switching. That's the way insurance companies can make claims like that. Because each company has a different risk profile, you really need to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will have the best Nissan Altima insurance in Chesapeake.

More quotes mean more car insurance savings

We've covered a lot of tips how to compare Nissan Altima insurance premium rates in Chesapeake. The key thing to remember is the more times you quote, the better your comparison will be. You may even be surprised to find that the biggest savings come from the smaller companies.

People switch companies for a number of reasons such as policy non-renewal, an unsatisfactory settlement offer, not issuing a premium refund or delays in responding to claim requests. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

Some companies do not provide online price quotes and these small insurance companies only sell coverage through local independent agents. Budget-friendly car insurance in Chesapeake is possible both online in addition to local insurance agencies, and you should compare rates from both to have the best selection.

Additional car insurance information is available at these links: