Discount Nissan Altima insuranceI can't think of a single person who loves paying for car insurance, especially when they are paying too much.

It's amazing but 70% of consumers renewed their policy with the same company for a minimum of four years, and about 40% of consumers have never even compared rates from other companies. Drivers in the U.S. could pocket up to 46.5% a year just by comparing rates, but they won't spend time to compare rate quotes.

Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates to get the best rates possible on Nissan Altima insurance in St. Paul.

You should make it a habit to get comparison quotes periodically since rates tend to go up over time. Just because you found the best premium rates on Nissan Altima insurance in St. Paul six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Companies offering Nissan Altima insurance in St. Paul

The companies shown below are ready to provide free quotes in St. Paul, MN. If multiple providers are shown, we recommend you click on several of them in order to find the cheapest rates.

Nissan Altima Insurance Rate Estimates in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $172 $326 $358 $22 $108 $986 $82
Altima 2.5 S 4-Dr Sedan $156 $334 $304 $18 $92 $904 $75
Altima Hybrid 4-Dr Sedan $146 $300 $334 $20 $100 $900 $75
Altima 2.5 S 2-Dr Coupe $238 $502 $406 $24 $122 $1,292 $108
Altima 3.5 SR 4-Dr Sedan $170 $306 $318 $18 $94 $906 $76
Altima 3.5 SR 2-Dr Coupe $166 $346 $366 $22 $110 $1,010 $84
Get Your Own Custom Quote Go

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific zip code location which can revise price quotes considerably.

Cost difference between full coverage and liability

The diagram below examines Nissan Altima annual premium costs with and without physical damage coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, married female driver, and no discounts are applied.

When to drop comprehensive and collision

There is no specific rule for phasing out physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Nissan Altima claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year to have full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you haven't satisfied your loan, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Lower rate quotes with discounts

Some providers don't always list every policy discount in an easy-to-find place, so we break down both the well known and also the more inconspicuous discounts that you can inquire about if you buy St. Paul car insurance online.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won't be that lucky.

To locate companies with the best discounts in Minnesota, click here.

Insurance agents are trained to help

Some people would rather talk to an insurance agent and there is nothing wrong with that. The best thing about comparing rate quotes online is you may find cheap insurance quotes but still work with a licensed agent. Buying from and supporting small agencies is important particularly in St. Paul.

Find insurance agent in St. PaulUpon completion of this quick form, your insurance coverage information is submitted to insurance agents in St. Paul who will give you quotes for your insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go directly to your email. You can get cheaper insurance rates and a licensed agent to work with. If you want to quote rates from a specific company, don't hesitate to go to their quote page and give them your coverage information.

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

When finding a reliable insurance agency, it helps to know the two types of agencies and how they differ in how they quote coverages. Insurance policy providers can either be independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by any specific company and that gives them the ability to insure with a variety of different insurance companies and find you the best rates. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. If you are trying to find cheaper rates, it's recommended you get quotes from multiple independent agents in order to compare the most rates.

Below are independent agents in St. Paul that may be able to give you pricing information.

1901 Minnehaha Ave E - St Paul, MN 55119 - (651) 323-2021 - View Map

1729 Carroll Ave - St Paul, MN 55104 - (651) 646-1881 - View Map

380 St Peter St #720 - St Paul, MN 55102 - (651) 255-6800 - View Map

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Exclusive Insurance Agencies

Exclusive agents work for only one company and some examples include Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. They receive a lot of sales training on their products and sales techniques and that enables them to sell even at higher rates.

Listed below are St. Paul exclusive insurance agents willing to provide rate quotes.

1185 Concord St N #113 - South St Paul, MN 55075 - (651) 289-3888 - View Map

551 Snelling Ave S - St Paul, MN 55116 - (651) 698-0703 - View Map

1606 Randolph Ave - St Paul, MN 55105 - (651) 229-0060 - View Map

More insurance agents

Finding the right car insurance agent should depend on more than just a low price. Here are some questions to ask:

Insurance in the media

Well-known insurance companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the point that drivers can save some big amount just by switching your policy. How is it possible that every company can charge you a lower premium? Here is how they do it.

Most companies give the best rates for the type of driver that earns them the highest profit. For example, this type of insured might have to be between 30 and 50, has no claims, and has a short commute. Any driver who matches those parameters receive the lowest rate quotes in St. Paul and will most likely save when switching.

Potential insureds who don't measure up to these stringent criteria may be required to pay a higher premium which usually ends up with the customer buying from someone else. The wording the ads use say "drivers who switch" not "everyone who quotes" save money. That is how companies can truthfully make it sound like they have such great car insurance rates.

Different companies use different criteria so you really need to get St. Paul car insurance quotes as often as possible. It is impossible to guess which insurance companies will have the best Nissan Altima insurance in St. Paul.

Quote more and you will save more

We covered a lot of ways to compare Nissan Altima insurance car insurance rates in St. Paul. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting the cheapest Nissan Altima rate quotes. You may even discover the biggest savings come from a small local company. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive or GEICO.

As you quote St. Paul car insurance, make sure you don't reduce needed coverages to save money. There have been many cases where drivers have reduced physical damage coverage to discover at claim time that it was a big error on their part. The goal is to purchase plenty of coverage at the best cost, but do not skimp to save money.

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