What Insurance is Cheapest for a Nissan Altima in Buffalo?

Finding affordable coverage for a Nissan Altima is fairly simple, but it hinges on a large number of rating criteria such as the safety rating of your vehicle, if you have a tendency to file claims, and violations on your driving record. Drivers in New York pay on average $842 each year for Altima insurance, but that amount is a valuation calculated using a 40-year-old married female driver with full coverage and $250 deductibles.

If we were betting, you’re not a 40-year-old female, possibly single instead of married, or maybe you have a teenager that needs to be on your policy. Everyone has unique insurance needs, and this illustrates why the only way to find the cheapest rates for your Nissan is to just take the time to compare rates yourself.

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The specific trim level will likely have an effect on the coverage cost, so the price you will pay to insure a Altima 2.5 4-Dr Sedan trim level will cost $190 less than the cost to insure the higher-end Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.

Nissan Altima Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $176 $338 $278 $16 $84 $892 $74
Altima 2.5 S 4-Dr Sedan $176 $398 $278 $16 $84 $952 $79
Altima Hybrid 4-Dr Sedan $198 $398 $278 $16 $84 $974 $81
Altima 2.5 S 2-Dr Coupe $198 $398 $314 $18 $94 $1,022 $85
Altima 3.5 SR 4-Dr Sedan $198 $398 $278 $16 $84 $974 $81
Altima 3.5 SR 2-Dr Coupe $198 $458 $314 $18 $94 $1,082 $90
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in zip code location which can impact premium rates substantially.

Insuring your vehicle with the highest-rated car insurance provider is hard considering how many companies sell coverage in Buffalo. The information shown next may help you select which car insurance providers you want to consider purchasing from.

These ratings are for large, nationwide insurance companies, so smaller companies that only insure vehicles in New York will not be included in the list. To get rate quotes from these companies and more, click here.

Top Ten Car Insurance Companies for a Nissan Altima in New York
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
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Data Source: Insure.com Best Car Insurance Companies

Difference between full coverage and liability only rates

Finding the cheapest car insurance is important to the majority of people, and one of the fastest ways to reduce the cost of insurance for a Nissan Altima is to buy liability only. The chart below visualizes the comparison of insurance prices when comparing full coverage to liability only. The premium estimates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied.

Averaged for all ages 20 through 70, comp and collision coverage costs an extra $1,697 per year over liability only. Many of you may wonder if you should buy full coverage at all. There is no clear-cut formula to exclude physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

The information below illustrates how your choice of deductibles can raise or lower premium costs when getting quotes for cheap insurance for a Nissan Altima. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $292 a year by increasing from a $100 deductible to a $500 deductible, or save $442 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, have the ability to save up to $748 every year by choosing a higher deductible. When increasing deductibles, it is necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find more affordable auto insurance for a Nissan Altima

It is possible to find better rates, and here are some of the recommended thrifty solutions that can help drivers locate lower-cost auto insurance.

That last tip is especially significant, as was affirmed in this article. Prices charged by companies change frequently, so drivers shouldn’t hesitate to change to a new company if a cheaper price is available. Staying with the same car insurance company is fine, but is isn’t recommended if that stubbornness costs you hundreds of dollars year after year. Now is a great time to shop around to find cheaper car insurance for a Nissan Altima in Buffalo.

If you have questions and prefer to have some advice when comparing insurance rates for a Nissan Altima, the insurance agencies below can probably help you determine which policy is best.

To locate a Buffalo insurance agent using an interactive map, click the button below the list.

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