Would you like an easy way to compare cheaper Nissan Altima insurance in Boston? Wish you could get a refund on an underperforming, overpriced insurance policy? Don't feel bad because there are a lot of people in Boston just like you who feel imprisoned by their insurance policy.
Astonishing but true, most insurance buyers have been with the same company for a minimum of four years, and just under half have never compared quotes from other companies. Massachusetts drivers could pocket nearly $588 a year just by getting comparison quotes, but most undervalue the rate savings if they replace their high priced policy. Since people have many insurance providers from which to choose, it can be hard to choose a lower cost insurer.
You should make it a habit to do rate comparisons on a regular basis because insurance prices change regularly. Despite the fact that you may have had the best quotes on Nissan Altima insurance in Boston a couple years back there may be better deals available now. You can find a lot of information about Altima insurance online, but we're going to give you a bunch of ideas how to buy insurance cheaper in Boston.
Lowering your car insurance rates can be quick and easy. Just take a couple of minutes to get quotes from some recommended companies.
It's so fast and easy to compare price quotes online that it makes it a waste of time to actually drive to insurance agents' offices. Comparing Nissan Altima insurance rate quotes online has reduced the need for local agents unless you have a complicated situation and need the extra assistance that you can only get from talking to an agent. Drivers can get the lowest quotes online but buy from a local insurance agent.
The companies shown below are our best choices to provide price quotes in Massachusetts. If multiple providers are shown, it's a good idea that you click on several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$248||$536||$378||$22||$114||$1,298||$108|
|Altima 2.5 S 4-Dr Sedan||$320||$752||$452||$26||$136||$1,686||$141|
|Altima Hybrid 4-Dr Sedan||$250||$528||$378||$22||$114||$1,292||$108|
|Altima 2.5 S 2-Dr Coupe||$236||$414||$378||$22||$114||$1,164||$97|
|Altima 3.5 SR 4-Dr Sedan||$184||$352||$320||$18||$96||$970||$81|
|Altima 3.5 SR 2-Dr Coupe||$282||$578||$386||$22||$116||$1,384||$115|
|Get Your Own Custom Quote Go|
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can influence prices greatly.
Analysis of deductible levels
The example below illustrates how your choice of deductibles and can raise or lower Nissan Altima premium costs for different ages of insureds. The data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.
Does full coverage make sense?
The information below shows the difference between Nissan Altima car insurance rates with and without full coverage. The premiums are based on a clean driving record, no at-fault accidents, $500 deductibles, married female driver, and no discounts are applied.
Should you be buying full coverage?
There is no definitive guideline of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let's say your Nissan Altima claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the deductible is paid. If it's costing you more than $400 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are a few situations where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Why you need to buy insurance
Despite the potentially high cost of Nissan Altima insurance, insurance may be mandatory for several reasons.
- Almost all states have minimum liability requirements which means state laws require a specific level of liability protection in order to get the vehicle licensed. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Nissan Altima has a loan, it's guaranteed your bank will require that you carry insurance to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the bank will be required to insure your Nissan at a more expensive rate and make you pay for it.
- Insurance protects both your vehicle and your personal assets. It also can pay for medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If your Nissan gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of having insurance are without a doubt worth the cost, particularly for liability claims. But the average American driver is overpaying more than $865 each year so compare quotes from several companies once a year at a minimum to help ensure money is not being wasted.
Buy Nissan Altima Insurance for Less
Part of the car insurance buying process is learning a few of the rating criteria that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower car insurance prices.
A good credit score can save money - A driver's credit history can be an important factor in determining premium rates. Therefore, if your credit rating is not that good, you could potentially save money when insuring your Nissan Altima by improving your credit score. Insureds with high credit ratings tend to be more responsible as compared to drivers with poor credit.
Rates and employer - Careers such as real estate brokers, business owners and miners tend to pay the highest average rates attributed to high stress and long work days. On the other hand, careers like farmers, students and the unemployed get better rates.
More than one policy can earn a discount - Most major insurance companies will award better rates for people who buy several policies from them. It's known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you qualify for this discount already, it's always a smart idea to comparison shop to guarantee you are still saving the most.
Do safer cars cost less to insure? - Vehicles that have high safety ratings cost less to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less and lower rates for you. If your Nissan scored at minimum four stars on Safercar.gov you may qualify for a discount.
Prevent theft and save money - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system help track and prevent your car from being stolen.
High coverage deductibles equal low rates - Physical damage coverage, aka comp and collision, is used to repair damage to your Nissan. Some examples of covered claims are a broken side mirror, flood damage, and windstorm damage. Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay before your car insurance pays a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be.
Insurance prices are higher for high performance vehicles - The make and model of the car or truck you are insuring makes a huge difference in your auto insurance rates. The lowest premiums are usually for small economy passenger vehicles, but that's not the only thing that factors into the final price. Since the Nissan Altima is a sedan, insuring your vehicle will cost about the same than the average rate where you live in Boston.
Nissan Altima statistical loss data - Insurers take into consideration historical loss data for every vehicle to calculate a price that will offset losses. Vehicles that have higher claim frequency or loss amount will cost more for coverage. The table below shows the compiled insurance loss statistics for Nissan Altima vehicles.
For each policy coverage type, the statistical loss for all vehicles combined as an average is considered to be 100. Percentage numbers below 100 imply a favorable loss record, while percentage values above 100 point to more frequent losses or tendency to have higher losses.
Nissan Altima Insurance Loss Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics from IIHS.org for 2013-2015 Model Years
Determine discounts on Boston insurance
Properly insuring your vehicles can get expensive, but there may be some discounts that many consumers don't even know exist. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be asked about prior to getting the savings.
- Organization Discounts - Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your policy.
- Driver's Ed - Cut your cost by having your teen driver participate in a local driver's education class in school.
- Multiple Policy Discount - If you have multiple policies with the same company you could earn a discount of over 10 percent off each policy depending on the company.
- Drive Safe and Save - Drivers without accidents may receive a discount up to 45% than drivers with accidents.
- New Car Discount - Buying a new car instead of a used Altima may earn a small discount because new model year vehicles keep occupants safer.
- Smart Student Discounts - Maintaining excellent grades may save as much as 25% on a Boston car insurance quote. Many companies even apply the discount to college students up to age 25.
Policy discounts save money, but some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, insurance companies aren't that generous. But all discounts will cut your overall bill.
Some of the insurance companies who may offer most of the discounts above are:
Double check with each company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered everywhere. To view companies who offer discounts in Massachusetts, click here.
When to get advice from a local insurance agent
Certain consumers just prefer to sit down with an agent and that can be a smart move Professional agents can point out coverage gaps and help submit paperwork. One of the benefits of comparing insurance prices online is you can get the lowest rates and also buy local. And providing support for local insurance agencies is important especially in Boston.
After completing this quick form, your information is sent to agents in your area who can give free rate quotes for your auto insurance coverage. It simplifies rate comparisons since you won't have to find an agent on your own because prices are sent to you. If you need to quote rates from a specific auto insurance provider, you would need to go to their quote page and fill out the quote form the provide.
Independent or Exclusive: It's your choice
When looking for a reliable insurance agent, it's helpful to know the different types of agents and how they operate. Boston agents may be either independent agents or exclusive agents depending on their employer. Either one can insure your vehicles properly, but it's good to learn why they differ since it may influence your agent selection.
Independent Auto Insurance Agencies
Agents that elect to be independent can quote rates with many companies so as a result can place your coverage with a variety of different insurance companies and find you the best rates. To move your coverage to a new company, your agent can switch companies and that require little work on your part. If you need cheaper auto insurance rates, you need to include price quotes from a few independent agents so that you have a good selection of quotes to compare.
Below is a list of independent insurance agencies in Boston who can help you get competitive price quotes.
American Agency Systems Insurance
156 Porter St - Boston, MA 02128 - (617) 418-5089 - View Map
Agents that choose to be exclusive can only provide one company's prices such as State Farm, Allstate, and Farm Bureau. They usually cannot give you multiple price quotes so you might not find the best rates. Exclusive agencies are well trained on their products and sales techniques which helps them sell on service rather than price.
The following is a list of exclusive agencies in Boston that can give you comparison quotes.
Finding a good insurance agency shouldn't rely on just the price. Any good agent in Boston should know the answers to these questions.
- Do you need full coverage on every vehicle?
- Does the company allow you to choose your own collision repair facility?
- Does the quote include credit and driving reports?
- Are you getting all the discounts the company offers?
- Does the agent recommend any additional coverage?
More comparisons equals cheap rates
Low-cost Nissan Altima insurance in Boston is available on the web and with local Boston insurance agents, so you need to quote Boston car insurance with both to have the best selection. Some companies do not offer online rate quotes and usually these smaller providers only sell coverage through local independent agents.
We've covered a lot of techniques to save on Nissan Altima insurance in Boston. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from the smaller companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
As you prepare to switch companies, make sure you don't reduce needed coverages to save money. There are too many instances where an accident victim reduced liability coverage limits and learned later they didn't have enough coverage. The proper strategy is to find the BEST coverage at the best possible price.
More learning opportunities
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- What is the Best Cheap Car Insurance in Brookline, MA? (FAQ)
- Who Has Affordable Massachusetts Auto Insurance Rates for Active Military? (FAQ)
- Who Has the Cheapest Car Insurance for Nurses in Massachusetts? (FAQ)
- What Car Insurance is Cheapest in Taunton, Massachusetts? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Handicapped Drivers in Massachusetts? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Five Mistakes to Avoid (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)