Do you need a fast way to compare the cheapest Nissan Altima insurance in Columbus? No one in their right mind likes buying car insurance, particularly when the price is too high.
Shockingly, the vast majority of car insurance customers in Ohio have bought car insurance from the same company for well over three years, and about 40% of consumers have never even compared quotes to find cheaper rates. Many drivers in the U.S. could save nearly 46.5% a year just by getting comparison quotes, but most tend to underestimate how much savings they would realize if they switched to a more affordable policy.
Steps to finding more affordable Nissan Altima insurance in Columbus
The easiest way to find cheaper prices for Nissan Altima insurance in Columbus is to regularly compare price quotes from providers who sell insurance in Ohio. You can compare prices by following these guidelines.
- Try to learn a little about the different coverages in a policy and the steps you can take to keep rates in check. Many rating factors that result in higher rates like traffic tickets, fender benders, and a lousy credit rating can be controlled by making minor changes in your lifestyle. This article provides more details to get lower rates and find possible discounts that are available.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple companies.
- Compare the price quotes to your current policy to determine if switching companies saves money. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
- Give proper notification to your current agent or company of your intention to cancel the current policy. Submit the application along with any required down payment for your new coverage. When you receive it, place your new proof of insurance paperwork with the vehicle registration.
A good tip to remember is that you use the same liability limits and deductibles on each quote request and and to look at as many different insurance providers as possible. This enables a fair price comparison and the best rate selection.
Due to the increasing number of options for buying lower-cost insurance for a Nissan Altima in Columbus, it is hard for the average consumer to find the best car insurance provider.
The following companies can provide free quotes in Columbus, OH. If multiple companies are shown, we suggest you compare several of them to get a more complete price comparison.
Auto insurance policy discounts you can’t miss
Some insurers do not advertise all their discounts in a way that’s easy to find, so the list below contains some of the best known and the more hidden discounts that you may qualify for.
- Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount on your bill.
- Accident-Free Discounts – Insureds with no claims or accidents get the best auto insurance rates compared to policyholders that have many claims.
- Save with More Vehicles Insured – Buying insurance for all your vehicles on a single policy can get a discount on all vehicles.
- Discount for New Cars – Putting insurance on a new Altima can save you some money since new vehicles have better safety ratings.
- Columbus Homeowners Pay Less – Owning your own home or condo can save you money because of the fact that having a home requires personal responsibility.
- Paperwork-free – A few larger online companies give back up to $50 for buying your policy digitally online.
- Safety Course Discount – Participating in a course in driver safety can save you 5% or more if your company offers it.
- 55 and Retired – Seniors are able to get reduced rates.
You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
The diagram below compares Nissan Altima insurance prices with and without discounts applied to the premium. The rate quotes are based on a female driver, no violations or accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, homeowner, and safe-driver discounts applied.
A few popular companies and a selection of discounts can be found below.
- American Family includes discounts for TimeAway discount, Steer into Savings, accident-free, good student, air bags, defensive driver, and bundled insurance.
- State Farm offers premium reductions for accident-free, multiple policy, good driver, anti-theft, Drive Safe & Save, and passive restraint.
- 21st Century has savings for automatic seat belts, good student, student driver, homeowners, and theft prevention.
- Travelers has discounts for good student, early quote, student away at school, continuous insurance, and multi-car.
- GEICO policyholders can earn discounts including multi-vehicle, defensive driver, anti-theft, driver training, good student, and seat belt use.
When getting a coverage quote, ask each company what discounts are available to you. Some credits may not apply to policyholders in Columbus. To find companies that offer the discounts shown above in Columbus, click here.
Coverage statistics and figures
The price information shown below showcases estimates of rate quotes for Nissan Altima models. Understanding more about how auto insurance premiums are formulated can be useful when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $150 | $292 | $214 | $12 | $64 | $732 | $61 |
| Altima 2.5 S 4-Dr Sedan | $150 | $344 | $214 | $12 | $64 | $784 | $65 |
| Altima Hybrid 4-Dr Sedan | $170 | $344 | $214 | $12 | $64 | $804 | $67 |
| Altima 2.5 S 2-Dr Coupe | $170 | $344 | $242 | $14 | $72 | $842 | $70 |
| Altima 3.5 SR 4-Dr Sedan | $170 | $344 | $214 | $12 | $64 | $804 | $67 |
| Altima 3.5 SR 2-Dr Coupe | $170 | $398 | $242 | $14 | $72 | $896 | $75 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in your specific Columbus location which can affect price quotes substantially.
Analysis of deductible levels
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The comparison tables below summarize the difference in cost between low and high comp and collision deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $176 | $296 | $226 | $14 | $68 | $805 | $67 |
| Altima 2.5 S 4-Dr Sedan | $176 | $348 | $226 | $14 | $68 | $857 | $71 |
| Altima Hybrid 4-Dr Sedan | $198 | $348 | $226 | $14 | $68 | $879 | $73 |
| Altima 2.5 S 2-Dr Coupe | $198 | $348 | $256 | $16 | $76 | $919 | $77 |
| Altima 3.5 SR 4-Dr Sedan | $198 | $348 | $226 | $14 | $68 | $879 | $73 |
| Altima 3.5 SR 2-Dr Coupe | $198 | $400 | $256 | $16 | $76 | $971 | $81 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $142 | $238 | $226 | $14 | $68 | $688 | $57 |
| Altima 2.5 S 4-Dr Sedan | $142 | $280 | $226 | $14 | $68 | $730 | $61 |
| Altima Hybrid 4-Dr Sedan | $160 | $280 | $226 | $14 | $68 | $748 | $62 |
| Altima 2.5 S 2-Dr Coupe | $160 | $280 | $256 | $16 | $76 | $788 | $66 |
| Altima 3.5 SR 4-Dr Sedan | $160 | $280 | $226 | $14 | $68 | $748 | $62 |
| Altima 3.5 SR 2-Dr Coupe | $160 | $324 | $256 | $16 | $76 | $832 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in specific location which can alter coverage rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $11 more each month or $132 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 23 months between claims, you would probably save some money going with the higher deductible. Here is the way this decision is made.
| Average monthly premium for $250 deductibles: | $74 |
| Average monthly premium for $500 deductibles (subtract): | – $63 |
| Monthly savings from raising deductible: | $11 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $11 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One important note is that a higher deductible level means you will have to pay more of your own money when you file a claim. You need enough extra savings in order to pay the higher deductible in order to repair your vehicle.
The information below illustrates how your deductible choice and can impact Nissan Altima insurance costs for each different age group. The premiums are based on a single female driver, comp and collision included, and no other discounts are factored in.
Driving violations and accidents
The illustration below shows how violations and accidents influence Nissan Altima insurance premiums for each different age category. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
Age-based car insurance rates by gender
The illustration below compares Nissan Altima insurance premiums for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.
Lower the Price of Auto Insurance with These Tips
It’s important that you understand the rating factors that help determine the price you pay for auto insurance. When you understand what determines base rates, this allows you to make good choices that may result in better auto insurance rates.
Do safer cars cost less to insure? – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity translates directly to fewer claims and lower rates for you. If the Nissan Altima scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
Add-on coverages can add up – Policies have optional add-on coverages that may not really be needed if you aren’t careful. Insurance for rental car coverage, death and dismemberment, and motor club memberships are probably not needed. They may seem good at first, but now you might not need them so get rid of them and save.
Occupation stress can make you pay more – Did you know your occupation can influence how much you pay for auto insurance? Jobs like military generals, social workers, and miners usually pay the highest rates in part from intense work-related stress and long work days. On the flip side, jobs like professors, historians and retirees have the lowest average rates.
Save money with good credit – Having a bad credit score can be an important factor in determining what you pay for auto insurance. Insureds with high credit ratings tend to file fewer claims than those with lower credit ratings. Therefore, if your credit score can be improved, you may save money insuring your Nissan Altima if you clean up your credit.
Insurance companies don’t like frequent claims – Car insurance companies in Ohio give better rates to policyholders who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended for more catastrophic claims.
Annual miles is a factor – The more you drive every year the more you’ll pay to insure your vehicle. Most insurance companies charge rates based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Having the wrong rating on your Altima is throwing money out the window. It’s always a good idea to double check that your vehicle rating is rated on annual mileage, because improper ratings can cost you money.
Teenagers are high risk – More experienced drivers are shown to be more cautious, cause fewer claims and accidents, and get fewer tickets. Teenage drivers are known to be inattentive when driving with friends and because of this, their auto insurance rates are much higher.
The chart below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Nissan Altima claim statistics – Companies use past insurance losses to help calculate a profitable premium rate. Models that the data determines to have higher loss trends will have higher rates for specific coverages. The table shown below demonstrates the loss history for Nissan Altima vehicles.
For each policy coverage type, the claim probability for all vehicles as a whole is set at 100. Numbers shown that are under 100 mean the vehicle has better than average losses, while values that are above 100 indicate frequent claims or an increased likelihood of larger losses.
| Specific Nissan Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Altima | 110 | 97 | 119 | 144 | 147 | 114 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance quotes from local Columbus insurance agents
Many drivers would rather buy from a local agent and doing that can be a smart decision Agents can answer important questions and will help you if you have claims. A nice benefit of getting free rate quotes online is that drivers can save money and get cheaper rates but still work with a licensed agent.
After completing this simple form, your coverage information gets sent to local insurance agents in Columbus who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to leave your house since rate quotes are delivered to you directly. If you want to compare prices from a particular provider, feel free to search and find their rate quote page and complete a quote there.
Finding the right insurer should include more criteria than just a cheap price quote. Any agent in Columbus should have no problem answering these questions:
- Is there any savings for paying the full premium?
- If you have an accident, will your rates go up?
- How long has their agency been open in Columbus?
- Does the agency provide any after hours assistance?
- How much will you save each year by using a higher deductible?
- When do they do a full risk review?
- Are they involved in claim handling?
- Do they carry Errors and Omissions coverage?
If you are searching for a local insurance agency, there are two different types of agencies that you can select. Insurance agents can be described as either independent agents or exclusive agents depending on their employer. Either one can provide insurance policies, but it is a good idea to know the difference in the companies they write for because it can impact the selection process.
Exclusive Insurance Agencies
Agents of this type can only provide one company’s prices like Allstate, Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so always compare other rates. They receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates.
Listed below are exclusive agents in Columbus who may provide you with price quotes.
Bud Kulp – State Farm Insurance Agent
1707 Bethel Rd – Columbus, OH 43220 – (614) 459-2424 – View Map
Bob Zedeker II – State Farm Insurance Agent
3250 W Henderson Rd Ste 101 – Columbus, OH 43220 – (614) 457-5070 – View Map
Gary Snowden – State Farm Insurance Agent
1369 Georgesville Rd – Columbus, OH 43228 – (614) 272-2300 – View Map
Independent Agencies or Brokers
Agents of this type are not employed by one company and that enables them to quote your coverage through many different insurance companies and find the cheapest rate. If they find a cheaper price, the business is moved internally and you won’t have to switch agencies. When comparing insurance rates, you should always compare quotes from at least one independent agent to have the best price comparison.
Listed below are Columbus independent insurance agents that are able to give price quote information.
Guy P Williams Insurance Agency
1335 Dublin Rd #110d – Columbus, OH 43215 – (614) 488-1101 – View Map
Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide Blvd – Columbus, OH 43215 – (614) 249-2141 – View Map
Nationwide Insurance: Glenn R Williams
2930 N High St – Columbus, OH 43202 – (614) 268-3567 – View Map
After you get positive responses to your questions as well as cheap Altima insurance quotes, you may have just found a car insurance agent that can be trusted to provide insurance coverage. Just be aware that you have the power to cancel your coverage at any point so don’t think you are locked into the insurance policy for a certain time period.
Persistence will pay off
When you buy Columbus car insurance online, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.
You just read a lot of ways to lower your Nissan Altima insurance auto insurance rates in Columbus. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the best auto insurance rates are with some of the lesser-known companies. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.
Steps to finding cheaper Nissan Altima insurance in Columbus
If you want to find the absolute lowest rates, then the best way to find low-cost prices for car insurance rates in Columbus is to start comparing rates regularly from insurers who provide auto insurance in Ohio. You can shop around by following these guidelines.
- Spend a few minutes and learn about how car insurance works and the things you can control to drop your rates. Many risk factors that cause rate increases such as speeding tickets, accidents and an unacceptable credit score can be improved by making minor changes to your lifestyle.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while independent agents can quote rates for a wide range of insurance providers. View prices
- Compare the new rate quotes to your current policy and see if there is a cheaper rate. If you can save money, make sure there is no lapse in coverage.
An important part of this process is that you use identical deductibles and limits on every quote and to quote with as many companies as possible. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.
Additional detailed information is available by following these links:
- Get the Right Protection (InsureUonline.org)
- Who Has the Cheapest Columbus Car Insurance Quotes for Drivers with Bad Credit? (FAQ)
- Who Has Cheap Auto Insurance for a Nissan Altima in Columbus? (FAQ)
- Who Has the Cheapest Columbus Car Insurance Quotes for a Nissan Sentra? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Mazda CX-7 in Columbus? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Honda CR-V in Columbus? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)