Want to learn how to buy more competitive Nissan Altima insurance in Minneapolis? No car owner likes paying for auto insurance, especially when they are aware that their premiums are through the roof.

Discount Nissan Altima insuranceA recent auto insurance study revealed that most auto insurance policyholders in Minnesota kept buying from the same company for a minimum of four years, and about 40% of consumers have never shopped around. The average driver in America could save $859 every year just by getting comparison quotes, but they don't believe how much savings they would realize if they moved their coverage to a different company. Drivers have multiple insurers to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to adequately compare rates for Nissan Altima insurance in Minneapolis.

It's a good idea to compare rates before your next renewal because auto insurance prices trend upward over time. Just because you had the best rates on Nissan Altima insurance in Minneapolis a few years ago there may be better deals available now. There is too much inaccurate information about Altima insurance online, but we're going to give you some of the best ways to stop overpaying for insurance in Minneapolis.

Cutting your auto insurance rates can be surprisingly simple. You just have to invest a little time comparing rate quotes online with multiple companies.

Doing price comparisons online is so simple that it takes the place of having to go to local insurance agencies. Comparing online rate quotes has made agencies unnecessary unless you want the advice and guidance that only a licensed agent can provide. However, consumers can comparison shop online and have a local agent actually service the policy.

The car insurance companies shown below offer free rate quotes in Minnesota. If multiple providers are shown, we suggest you compare several of them to get the best price comparison.

Nissan Altima Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $116 $216 $298 $18 $90 $738 $62
Altima 2.5 S 4-Dr Sedan $210 $502 $358 $22 $108 $1,200 $100
Altima Hybrid 4-Dr Sedan $268 $476 $324 $20 $96 $1,184 $99
Altima 2.5 S 2-Dr Coupe $264 $570 $376 $22 $112 $1,344 $112
Altima 3.5 SR 4-Dr Sedan $266 $550 $412 $24 $124 $1,376 $115
Altima 3.5 SR 2-Dr Coupe $220 $520 $434 $26 $130 $1,330 $111
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can affect rates substantially.

Male drivers versus female drivers

The example below visualizes the comparison of Nissan Altima insurance premiums for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

Insurance rate increases from tickets or accidents

The example below shows how violations and at-fault fender-benders can impact Nissan Altima insurance costs for different age categories. The price estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Should you raise deductibles?

One frequently asked question is how high should the deductibles for physical damage be. The tables below sum up the differences in premium rates between high and low policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Nissan Altima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $246 $414 $318 $18 $94 $1,115 $93
Altima 2.5 S 4-Dr Sedan $246 $486 $318 $18 $94 $1,187 $99
Altima Hybrid 4-Dr Sedan $276 $486 $318 $18 $94 $1,217 $101
Altima 2.5 S 2-Dr Coupe $276 $486 $358 $22 $108 $1,275 $106
Altima 3.5 SR 4-Dr Sedan $276 $486 $318 $18 $94 $1,217 $101
Altima 3.5 SR 2-Dr Coupe $276 $560 $358 $22 $108 $1,349 $112
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Nissan Altima insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $200 $334 $318 $18 $94 $964 $80
Altima 2.5 S 4-Dr Sedan $200 $392 $318 $18 $94 $1,022 $85
Altima Hybrid 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Altima 2.5 S 2-Dr Coupe $224 $392 $358 $22 $108 $1,104 $92
Altima 3.5 SR 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Altima 3.5 SR 2-Dr Coupe $224 $452 $358 $22 $108 $1,164 $97
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific location information which can increase or decrease premium rates considerably.

Based on the figures above, using a $250 deductible would cost the average driver about $14 more each month or $168 every year than buying the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 18 months between claim filings, you would probably come out ahead going with the higher deductible.

Lower-cost Nissan Altima insurance quotes in Minneapolis

Some companies do not advertise all available discounts very well, so we break down a few of the more common as well as the least known discounts that may be available.Save money with discounts

You should keep in mind that many deductions do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

A list of car insurance companies and some of the discounts are:

When comparing rates, check with every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in Minneapolis. If you would like to see a list of providers that offer many of these discounts in Minnesota, follow this link.

You Can Change Your Insurance Rates

Many factors are considered when premium rates are determined. Some are obvious like an MVR report, but other factors are more obscure such as whether you are married and annual miles driven.

Shown below are some of the factors utilized by car insurance companies to help set your rates.

Get rate quotes but still have a neighborhood Minneapolis auto insurance agent

Some people still prefer to talk to an insurance agent and that is not a bad decision Licensed agents can point out coverage gaps and give you someone to call. The best thing about comparing car insurance online is you can get cheap car insurance quotes and still buy from a local agent.

Insurance agents in MinneapolisAfter completing this simple form, your coverage information is submitted to local insurance agents that can provide free Minneapolis auto insurance quotes to get your business. You don't have to even leave your home since rate quotes are delivered immediately to you. If you have a need to compare prices for a specific company, you just need to navigate to their website and complete a quote there.

Choosing an insurance company needs to be determined by more than just a cheap price. These are some valid questions you should ask.

The following are agents in Minneapolis willing to provide price quotes for Nissan Altima insurance in Minneapolis.

222 S 9th St #270 - Minneapolis, MN 55402 - (612) 843-8444 - View Map

3430 Nicollet Ave - Minneapolis, MN 55408 - (612) 827-3655 - View Map

2800 Freeway Blvd - Minneapolis, MN 55430 - (763) 549-2200 - View Map

A Act One Auto Insurance Agency
2925 Glenhurst Ave - Minneapolis, MN 55416 - (612) 722-8010 - View Map

More insurance agents

If you receive positive feedback as well as offering an affordable quote, you may have found an insurance company that is a good match to properly service your car insurance policy.

Can you really save that much by switching?

Consumers in Minnesota constantly see and hear ads that claim the cheapest car insurance rates by companies like Allstate, GEICO and Progressive. They all seem to tend to make the same promise that you'll save big if you just switch your policy.

How can each company have lower policy pricing? This is the way they can do it.

Companies have specific criteria for a prospective insured that makes them money. A good example of a profitable insured may need to be married and over the age of 30, has no prior claims, and does not commute to work. Someone who meets those qualifications may get the lowest rates in Minneapolis and will most likely pay quite a bit less when switching companies.

Insureds who are not a match for this ideal profile must pay higher premium rates which usually ends up with business not being written. If you pay close attention to the ads, they say "people who switch" not "everyone who quotes" save the amount stated. This is how companies can claim big savings. Each company has different criteria, so you should quote coverage with many companies. You cannot predict the company that will be your best fit.

Be persistent to save money

When getting Minneapolis auto insurance quotes online, you should never buy poor coverage just to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and learned later they didn't have enough coverage. Your goal should be to purchase a proper amount of coverage at the best cost.

Cheaper Nissan Altima insurance in Minneapolis can be bought from both online companies as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not offer internet price quotes and most of the time these smaller providers only sell coverage through independent insurance agencies.

More detailed auto insurance information is located in the articles below: