Insurance for Nissan AltimaAre you a victim of high-priced Nissan Altima insurance in Henderson? You're in good company because there are a lot of people in Henderson just like you who feel imprisoned by their insurance policy.

It's amazing but about 70% of customers have remained with the same insurance company for well over three years, and nearly half have never compared rates to find affordable insurance. U.S. consumers can save hundreds of dollars each year just by comparing rates, but they don't believe the big savings they would realize if they bought a different policy.

Consumers have multiple insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider for Nissan Altima insurance in Henderson.

Consumers should take time to get comparison quotes occasionally because insurance rates are variable and change quite frequently. Even if you think you had the best deal on Nissan Altima insurance in Henderson six months ago a different company probably has better prices today. There are lots of tips to save on Altima insurance on the internet, but by reading this article, you're going to learn the easiest ways to lower your insurance premiums.

How to compare Nissan Altima insurance quotes in Henderson

To get affordable Henderson car insurance quotes, there a variety of ways to compare prices from many different Nevada insurance companies. The easiest way by far to comparison shop consists of shopping online.

It's so simple to compare car insurance rates online makes it a waste of time to spend your day driving to all the different Henderson insurance agencies. The internet eliminates the need for an insurance agent unless your situation requires the professional advice only provided by licensed Henderson agents. Drivers can comparison shop your insurance online but have a local agent actually write the policy.

Keep in mind that more quotes provides better odds of finding more affordable rates.

The providers in the list below can provide price comparisons in Henderson, NV. If more than one company is shown, we recommend you click on several of them to get the cheapest price.

Nissan Altima Insurance Rate Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $204 $394 $348 $20 $104 $1,070 $89
Altima 2.5 S 4-Dr Sedan $242 $520 $318 $18 $96 $1,194 $100
Altima Hybrid 4-Dr Sedan $230 $468 $290 $18 $86 $1,092 $91
Altima 2.5 S 2-Dr Coupe $206 $392 $328 $20 $98 $1,044 $87
Altima 3.5 SR 4-Dr Sedan $258 $554 $348 $20 $104 $1,284 $107
Altima 3.5 SR 2-Dr Coupe $290 $636 $356 $22 $106 $1,410 $118
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in vehicle location which can decrease or increase coverage rates greatly.

Nissan Altima liability-only versus full coverage

The information below examines Nissan Altima car insurance rates with and without physical damage coverage. The information is based on a clean driving record, no claims, $500 deductibles, single female driver, and no additional discounts are factored in.

When to stop buying physical damage coverage

There isn't a written rule for phasing out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Nissan Altima claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If it's costing you more than $500 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Deductible analysis

When shopping for auto insurance, a common question is which deductible level should you buy. The comparison tables below may aid in understanding the premium difference between low and high comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Nissan Altima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $238 $402 $308 $18 $92 $1,083 $90
Altima 2.5 S 4-Dr Sedan $238 $472 $308 $18 $92 $1,153 $96
Altima Hybrid 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
Altima 2.5 S 2-Dr Coupe $268 $472 $348 $20 $104 $1,237 $103
Altima 3.5 SR 4-Dr Sedan $268 $472 $308 $18 $92 $1,183 $99
Altima 3.5 SR 2-Dr Coupe $268 $544 $348 $20 $104 $1,309 $109
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Nissan Altima insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $148 $252 $308 $18 $92 $818 $68
Altima 2.5 S 4-Dr Sedan $148 $298 $308 $18 $92 $864 $72
Altima Hybrid 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
Altima 2.5 S 2-Dr Coupe $166 $298 $348 $20 $104 $936 $78
Altima 3.5 SR 4-Dr Sedan $166 $298 $308 $18 $92 $882 $74
Altima 3.5 SR 2-Dr Coupe $166 $342 $348 $20 $104 $980 $82
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific location which can revise rates considerably.

Based on the data above, we can derive that using a $250 deductible costs about $24 more each month or $288 each year than buying the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 31 months between claim filings, you would save money if you choose a higher deductible.

Insurance does more than just protect your car

Even though it's not necessarily cheap to insure a Nissan in Henderson, insurance is most likely required but also gives you several important benefits.

The benefits of having insurance definitely exceed the price paid, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying more than $865 each year so compare rate quotes each time the policy renews to save money.

Insurance advertising tricks

Companies like State Farm, Allstate and GEICO consistently run ads on TV and radio. All the ads make the point that you'll save big if you move your insurance policy to them. How can each company charge you a lower premium? Just pay attention to how they say it.

Insurance companies can use profiling for the type of driver that earns them a profit. For instance, a desirable risk may need to be a married female, owns their home, and drives less than 7,500 miles a year. A driver that meets those criteria may get the lowest car insurance rates in Henderson and most likely will save some money.

Potential customers who are not a match for these criteria will have to pay higher premiums which leads to the driver buying from a lower-cost company. If you pay attention, the ads say "people that switch" but not "all drivers who get quotes" save that much. That is how companies can truthfully make the claims of big savings. This illustrates why it is so important to do a quote comparison often. It is impossible to predict the company that will have the best rates for your profile.

Get cheap rates on Nissan Altima insurance in Henderson with these six discounts

Auto insurance can be pricey, but you may be missing some discounts that can help lower your rates. Certain credits will be shown when you quote, but some may not be applied and must be inquired about in order for you to get them. If you're not getting every credit possible, you could be saving more on your auto insurance.Save money with discounts

While discounts sound great, it's important to understand that some credits don't apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

If you would like to see a list of insurers that offer many of these discounts in Nevada, click here to view.

Compare prices but buy from a local Henderson insurance agent

A lot of people just want to buy from a licensed agent and that is a smart decision One of the great benefits of comparing rates online is you can get cheap insurance rates and still have an agent to talk to.

Insurance agents in HendersonAfter completing this form (opens in new window), the coverage information gets sent to agents in your area who will give competitive quotes for your insurance coverage. You won't need to search for an agent as quotes are delivered to you. You can get cheaper insurance rates AND a local agent. If you want to compare rates from a specific company, you can always jump over to their website to submit a rate quote request.

Finding the right company shouldn't rely on just a cheap price. Agents should be asked these questions:

Is an exclusive or independent auto insurance agent right for you?

When finding a reliable insurance agency, it's important to understand the types of agencies and how they can quote your rates. Insurance agencies can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

These agents write business for a single company like Farmers Insurance, Allstate, or State Farm. They usually cannot provide rate quotes from other companies so they really need to provide good service. These agents are very knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.

Listed below is a short list of exclusive agencies in Henderson that can give you comparison quotes.

2200 W Horizon Ridge Pkwy a - Henderson, NV 89052 - (702) 616-4663 - View Map

1913 N Green Valley Pkwy - Henderson, NV 89074 - (702) 361-0300 - View Map

Lisa Downer - State Farm Insurance Agent
1450 W Horizon Ridge Pkwy b302 - Henderson, NV 89012 - (702) 492-6287 - View Map

More Henderson agents

Independent Insurance Agents

Agents that elect to be independent are appointed with more than one company and that is an advantage because they can write policies amongst many companies and potentially find a lower price. If you want to switch companies, the business is moved internally which makes it simple for you. When comparing rates, we highly recommend that you check rates from at a minimum one independent agency to have the most options to choose from.

Listed below are Henderson independent agents willing to provide comparison quotes.

1120 Wigwam Pkwy #100 - Henderson, NV 89052 - (702) 430-7764 - View Map

283 Grand Olympia Dr - Henderson, NV 89012 - (702) 434-7640 - View Map

3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map

More Henderson agents

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Because many people only purchase the least amount of liability that is required (15/30/10), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This coverage will pay to fix damage to your Altima resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, colliding with a tree, rolling your car, crashing into a building and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible on your Altima to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like pain medications, rehabilitation expenses, doctor visits and EMT expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn't cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/10 that means you have a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property.

Liability coverage protects against things like court costs, medical services, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford. Nevada requires drivers to carry at least 15/30/10 but drivers should carry more coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from a tornado or hurricane, falling objects, hitting a deer and damage from flooding. The most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Cheaper insurance premiums are possible

When trying to cut insurance costs, make sure you don't buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced collision coverage only to regret that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at an affordable rate.

In this article, we presented a lot of techniques to find lower-cost Nissan Altima insurance in Henderson. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest prices come from some of the lesser-known companies. Regional companies often have lower rates on specific markets than the large multi-state companies such as State Farm or Progressive.

Other learning opportunities