Insurance quote for Nissan Altima in San JoseWant to learn how to save money and find lower-priced Nissan Altima insurance in San Jose? Shopping for lower priced San Jose Nissan Altima insurance quotes is difficult for beginners to shopping for insurance over the internet. With more and more insurers to choose from, how can anyone efficiently compare every possible option in order to find the best pricing?

Unthinkable but true, the vast majority of consumers kept their coverage with the same insurance company for well over three years, and just short of a majority have never compared rates with other companies. The average driver in San Jose could save about $469 each year just by getting comparison quotes, but most undervalue the amount of money they would save if they bought a different policy.

You should make it a habit to quote other rates every six months because insurance prices change frequently. If you had the best rates on Nissan Altima insurance in San Jose two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you're about to learn the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Locating the best rates in San Jose is really not that difficult. Basically, every person who needs more affordable car insurance most likely will find a better price. Although California vehicle owners must learn the way insurance companies price insurance differently.

The most recommended method to compare rate quotes for Nissan Altima insurance in San Jose takes advantage of the fact almost all companies allow for online access to give rate comparisons. All you need to do is provide details such as how you use your vehicles, how much school you completed, daily mileage, and coverage limits. That rating data is instantly provided to many of the top insurers and they provide comparison quotes quickly.

If you wish to get multiple quotes for your car now, click here and enter your coverage details.

The companies in the list below are ready to provide price comparisons in San Jose, CA. If your goal is to find the best auto insurance in California, it's a good idea that you click on several of them to get a more complete price comparison.

Nissan Altima Insurance Rate Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $372 $790 $534 $32 $160 $1,888 $157
Altima 2.5 S 4-Dr Sedan $214 $454 $416 $24 $124 $1,232 $103
Altima Hybrid 4-Dr Sedan $186 $362 $424 $26 $126 $1,124 $94
Altima 2.5 S 2-Dr Coupe $204 $418 $524 $32 $156 $1,334 $111
Altima 3.5 SR 4-Dr Sedan $186 $362 $424 $26 $126 $1,124 $94
Altima 3.5 SR 2-Dr Coupe $358 $630 $654 $38 $196 $1,876 $156
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in specific garaging location which can lower or raise price quotes substantially.

Insurance premiums for males and females

The chart below visualizes the comparison of Nissan Altima annual premium costs for male and female drivers. The premiums are based on no violations or accidents, full coverage, $500 deductibles, single marital status, and no additional discounts are factored in.

Physical damage deductible comparison

When buying car insurance, a common question is at what level do you set your deductibles. The comparisons below outline how much more rates are of buying low and high policy deductibles. The first data table uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Nissan Altima insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $380 $686 $442 $26 $132 $1,691 $141
Altima 2.5 S 4-Dr Sedan $380 $810 $442 $26 $132 $1,815 $151
Altima Hybrid 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Altima 2.5 S 2-Dr Coupe $430 $810 $500 $30 $150 $1,945 $162
Altima 3.5 SR 4-Dr Sedan $430 $810 $442 $26 $132 $1,865 $155
Altima 3.5 SR 2-Dr Coupe $430 $932 $500 $30 $150 $2,067 $172
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Nissan Altima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $278 $464 $442 $26 $132 $1,342 $112
Altima 2.5 S 4-Dr Sedan $278 $546 $442 $26 $132 $1,424 $119
Altima Hybrid 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 2.5 S 2-Dr Coupe $314 $546 $500 $30 $150 $1,540 $128
Altima 3.5 SR 4-Dr Sedan $314 $546 $442 $26 $132 $1,460 $122
Altima 3.5 SR 2-Dr Coupe $314 $630 $500 $30 $150 $1,624 $135
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in zip code location which can modify prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $33 more each month or $396 for a full year than requesting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 12 months between claims, you would save money if you opt for a higher deductible.

Safe drivers pay cheaper rates

The diagram below shows how traffic citations and fender-benders increase Nissan Altima car insurance rates for each age group. The information is based on a married male driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Cheap San Jose insurance quotes with discounts

Some providers do not list every disount available very well, so the below list has a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy San Jose car insurance online.Cheaper insurance with discounts

We need to note that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.

A list of companies and their possible discounts are detailed below.

If you want the cheapest Nissan Altima rate quotes, ask each company to apply every possible discount. Some of the earlier mentioned discounts may not be offered in your state.

Three reasons to not skimp on auto insurance

Despite the high cost of buying insurance for a Nissan Altima in San Jose, buying auto insurance may be required and benefits you in several ways.

The benefits of having auto insurance definitely exceed the price paid, particularly when you have a large claim. An average driver in America is overpaying over $700 annually so we recommend shopping around at every policy renewal to help ensure money is not being wasted.

Local San Jose insurance agents and car insurance

Many drivers still prefer to have an agent's advice and doing that can be a smart decision One of the great benefits of comparing rate quotes online is you can get the lowest rates and still have a local agent.

Insurance agency in San JoseTo help locate an agent, after submitting this quick form, your information is immediately sent to insurance agents in San Jose that provide free San Jose car insurance quotes and help you find cheaper coverage. You won't need to contact any insurance agencies because quoted prices will be sent directly to your email. Get lower rates and an insurance agent to talk to. If for some reason you want to get a price quote from a specific insurance company, you can always jump over to their website and give them your coverage information.

Choosing the best provider requires you to look at more than just a cheap price. Here are some questions you should ask.

The different types of car insurance agents

If you want to buy car insurance from a reputable insurance agent or broker, there are a couple of different types of agents that you can choose from. Car insurance agents in San Jose can be described as either independent agents or exclusive agents.

Exclusive Insurance Agents

Exclusive agencies can only provide pricing for a single company such as Farmers Insurance or State Farm. They are unable to place coverage with different providers so you need to shop around if the rates are high. They are well trained on their company's products which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents primarily because of loyalty to the company instead of buying on price only.

Listed below are exclusive agencies in San Jose that are able to give comparison quotes.

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Independent Car Insurance Agencies

Independent agencies do not sell for just one brand so they can write business through many companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured. If you are comparing car insurance prices, you should always compare quotes from at least one independent agent for the best price selection. Many write coverage with additional companies that you may not be familiar with which may have better rates.

Below are San Jose independent insurance agents who can help you get price quotes.

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Car insurance coverage options for a Nissan Altima

Understanding the coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible on your Altima to bring the cost down.

Uninsured and underinsured coverage

This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Altima.

Because many people carry very low liability coverage limits (which is 15/30/5), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that means you have $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.

Liability can pay for claims such as bail bonds, repair costs for stationary objects, loss of income, medical services and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford. California requires drivers to carry at least 15/30/5 but drivers should carry more liability than the minimum.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for prosthetic devices, hospital visits, pain medications, nursing services and surgery. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay