Are you irritated from scraping nickels together to pay your auto insurance bill each month? You’re in the same situation as millions of other drivers.
It’s an obvious conclusion that auto insurance companies don’t want you to look for a cheaper policy. Drivers who perform rate comparisons will probably switch to a new company because there are good odds of finding better rates. A recent survey revealed that drivers who regularly shopped around saved over $3,500 over four years compared to policyholders who never compared other company’s rates.
If finding low prices for car insurance is the reason you’re here, then understanding how to find companies and compare cheaper coverage can make the process less intimidating.
Big-name insurance companies like Allstate, Progressive and GEICO persitently shower you with TV and radio ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.
The quickest way to get policy rate comparisons for Nissan Altima insurance in Cincinnati is to know most insurance companies allow for online access to give free rates quotes. To get started, all you need to do is provide details including your job, marital status, how much coverage you want, and how your vehicles are used. That rating data is automatically sent to multiple different insurance companies and you will receive price estimates instantly.
To check rates for your Nissan Altima now, click here and enter your zip code.
The companies shown below can provide price comparisons in Cincinnati, OH. If you wish to find cheap auto insurance in OH, it’s highly recommended you compare several of them to find the most affordable car insurance rates.
Coverage statistics and figures
The premium table below covers a range of insurance coverage prices for Nissan Altima models. Learning as much as possible about how premiums are established can help customers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $200 | $296 | $298 | $18 | $88 | $900 | $75 |
| Altima 2.5 S 4-Dr Sedan | $200 | $348 | $298 | $18 | $88 | $952 | $79 |
| Altima Hybrid 4-Dr Sedan | $226 | $348 | $298 | $18 | $88 | $978 | $82 |
| Altima 2.5 S 2-Dr Coupe | $226 | $348 | $336 | $20 | $100 | $1,030 | $86 |
| Altima 3.5 SR 4-Dr Sedan | $226 | $348 | $298 | $18 | $88 | $978 | $82 |
| Altima 3.5 SR 2-Dr Coupe | $226 | $400 | $336 | $20 | $100 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in specific location information which can increase or decrease insurance rates noticeably.
Higher deductibles save money
When buying insurance, a common question is how high should your deductibles be. The rates shown below may help to conceptualize the price difference of buying low and high physical damage coverage deductibles. The first rate estimation uses a $250 physical damage deductible and the second pricing table uses a $1,000 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 | $108 | $186 | $226 | $14 | $68 | $602 | $50 |
| Altima 2.5 S 4-Dr Sedan | $108 | $220 | $226 | $14 | $68 | $636 | $53 |
| Altima Hybrid 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Altima 2.5 S 2-Dr Coupe | $122 | $220 | $256 | $16 | $76 | $690 | $58 |
| Altima 3.5 SR 4-Dr Sedan | $122 | $220 | $226 | $14 | $68 | $650 | $54 |
| Altima 3.5 SR 2-Dr Coupe | $122 | $252 | $256 | $16 | $76 | $722 | $60 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can change price quotes considerably.
We can derive from the above data that using a $250 deductible will cost in the ballpark of $19 more each month or $228 each year averaged for all Altima models than choosing the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 39 months between claim filings, you would save more money if you opt for a higher deductible.
The diagram below illustrates how choosing a deductible and can change Nissan Altima premium costs for each age group. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied.
Does full coverage make sense?
The illustration below illustrates the difference between Nissan Altima yearly insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no claims or driving citations, $500 deductibles, single marital status, and no policy discounts are applied.
Guidelines for dropping full coverage
There is no definitive formula to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Nissan Altima replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,000 after paying the physical damage deductible. If you are paying in excess of $400 a year to have full coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Best reasons to buy insurance in Ohio
Even though it’s not necessarily cheap to insure a Nissan in Cincinnati, insurance is not optional due to several reasons.
- Most states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance in order to license the vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Nissan Altima, most banks will make it a condition of the loan that you have insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank will be required to insure your Nissan for a lot more money and make you pay a much higher amount than you were paying before.
- Insurance protects both your assets and your vehicle. It will also pay for many types of medical costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the price paid, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays as much as $820 a year so it’s important to compare rates every year to help ensure money is not being wasted.
Nissan Altima Insurance Cost Factors
Many factors are considered when pricing auto insurance. Some factors are common sense such as your driving history, but other criteria are not as apparent like your continuous coverage and annual miles driven.
Liability insurance risk factors – Your car insurance policy’s liability coverage is the protection if a court rules you are at fault for an accident. It provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
Gender as a rate factor – Statistics have proven women tend to be less risk to insure than men. However, this does not mean females are better at driving than males. Women and men are in accidents in similar percentages, but guys have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
The diagram below compares Nissan Altima premium costs for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Additional coverages that may be costing you – Insurance policies have a lot of extra bells and whistles that sound like a good idea at the time but may not be useful. Coverages like vanishing deductibles, accidental death, and term life insurance are probably not needed. You may think they are a good idea when buying your policy, but if you have no use for them get rid of them and save.
Poor driving means higher prices – Being a careful driver has a big impact on rates. Getting just one moving violation can boost insurance rates by as much as thirty percent. Drivers with clean records get better prices compared to bad drivers. Drivers who have gotten multiple violations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state DMV in order to legally drive.
The information below illustrates how traffic citations and at-fault collisions raise Nissan Altima premium costs for each age group. The data is based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.
Deter car thieves – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
Tough job may mean higher prices – Occupations like real estate brokers, business owners, and medical professionals are shown to have the highest rates because of intense work requirements and lots of time spent away from family. Other professions such as scientists, historians and performers generally pay rates lower than average.
Save money by having multiple policies – Many insurance companies afford better rates to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, you still need to compare Nissan Altima rates in Cincinnati to ensure the best deal.There is a chance you can find better rates by splitting coverages up.
Continuous car insurance coverage saves money – Driving your car without having proper coverage is not a good idea and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you fines or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with the Ohio motor vehicle department to get your license reinstated.
Insurance losses for a Nissan Altima – Insurance companies take into consideration historical loss data for every vehicle to help calculate a profitable premium price. Vehicles that have higher claim amounts or frequency will have a higher cost to insure.
The table below illustrates the historical insurance loss data for Nissan Altima vehicles. For each policy coverage, the loss probability for all vehicles averaged together equals 100. Values under 100 imply a favorable loss record, while percentages above 100 point to more claims or statistically larger claims.
| Vehicle 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
Lower rate quotes by taking advantage of discounts
Car insurance can cost a lot, but discounts can save money and there are some available that you may not even know about. Many discounts should be triggered at the time of quoting, but some discounts are required to be requested specifically before being credited.
- 55 and Retired – Older drivers could receive reduced rates.
- Early Switch Discount – A few insurance companies offer discounts for buying a new policy before your current expiration date. It can save you around 10%.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
- Accident Waiver – This one is not really a discount per se, but companies like Allstate and Progressive will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
- Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
- College Student Discount – Children who are enrolled in a college that is more than 100 miles from Cincinnati and do not take a car to college may be insured at a cheaper rate.
- Defensive Driving Course – Participating in a course teaching defensive driving skills could save 5% or more depending on where you live.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most only reduce individual premiums such as comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.
The example below illustrates the comparison of Nissan Altima insurance premiums with and without discounts applied to the policy premium. The information is based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, multi-policy, claim-free, and safe-driver discounts applied.
A partial list of companies that have most of these discounts include:
Before purchasing a policy, check with every company how many discounts you can get. A few discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer some of these discounts in Ohio, click here.
Which is the best car insurance?
Always keep in mind that when comparing a policy, there really is not a cookie cutter policy. Your needs are unique to you.
For example, these questions might help in determining whether your personal situation might need professional guidance.
- Is upholstery damage covered by car insurance?
- When should I not buy collision coverage?
- Can I afford low physical damage deductibles?
- Do I need rental car coverage?
- Am I better off with higher deductibles on my Nissan Altima?
- Is my custom paint covered by insurance?
If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.
Insurance agencies can find coverage gaps
Certain consumers just want to get advice from a local agent and that is a personal choice. A nice benefit of getting free rate quotes online is that drivers can save money and get better rates and still choose a local agent.
Once you complete this short form, your insurance coverage information is submitted to participating agents in Cincinnati that can give you free Cincinnati car insurance quotes for your coverage. There is no need to drive around since price quotes are sent directly to your email. You can find better rates AND an agent nearby. If you want to get a price quote from a specific insurance provider, you would need to navigate to their website to submit a rate quote request.
Finding a good company is decision based upon more than just the premium amount. Here are some questions to ask:
- By raising physical damage deductibles, how much would you save?
- Are they properly licensed to sell insurance in Ohio?
- How is replacement cost determined on your vehicle?
- If independent agents, which companies do they recommend?
- Will high miles depreciate repair valuations?
Pick the best car insurance agent in Cincinnati for you
If you want to use a local insurance agency, it’s helpful to know the different types of agents that you can choose from. Insurance agents are considered either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only write with one company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agents receive a lot of sales training in insurance sales which aids in selling service over price.
Listed below is a list of exclusive insurance agents in Cincinnati who may provide you with price quote information.
Farmers Insurance – Shellie Burke
4734 Vine St – Cincinnati, OH 45217 – (513) 242-2777 – View Map
GEICO Insurance Agent
4081 E Galbraith Rd #1b – Cincinnati, OH 45236 – (513) 794-3426 – View Map
Brad Robbins – State Farm Insurance Agent
3111 Mozart Ave – Cincinnati, OH 45211 – (513) 662-2200 – View Map
Independent Insurance Agents
Agents of this type often have many company appointments so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part.
When searching for an agent, you should always compare quotes from at a minimum one independent agency so that you can do a thorough price comparison.
The following is a short list of independent agencies in Cincinnati that can give you comparison quotes.
Globe Insurance
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map
Meissner Insurance Agency
3710 Harrison Ave – Cincinnati, OH 45211 – (513) 661-4426 – View Map
Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 – View Map
Which auto insurance company is best in Ohio?
Choosing a highly-rated auto insurance company can be rather challenging considering how many companies sell coverage in Cincinnati. The company ratings below could help you decide which auto insurance companies you want to consider comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cover all your bases
You just read a lot of information how to lower your Nissan Altima insurance prices in Cincinnati. The most important thing to understand is the more you quote Cincinnati car insurance, the higher the chance of saving money. You may even find the best prices are with a lesser-known regional company.
Some insurance companies may not offer online price quotes and usually these regional carriers only sell through independent agents. Low-cost Nissan Altima insurance in Cincinnati can be sourced both online in addition to many Cincinnati insurance agents, so you should compare both in order to have the best price selection to choose from.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage and discovered at claim time that it was a big mistake. Your focus should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.
How to buy discount Nissan Altima insurance in Cincinnati
Really, the only way to get the cheapest car insurance rates is to start comparing prices yearly from insurers who sell auto insurance in Cincinnati. You can compare rates by following these guidelines.
First, learn about how auto insurance works and the things you can change to lower rates. Many rating factors that cause high rates such as tickets, at-fault accidents, and poor credit history can be remedied by making minor changes to your lifestyle.
Second, compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple sources.
Third, compare the new rate quotes to your current policy and determine if cheaper Altima coverage is available in Cincinnati. If you can save money, verify that coverage does not lapse between policies.
Fourth, notify your company or agent of your intention to cancel your current auto insurance policy and submit a completed policy application and payment for the new policy. Be sure to store the proof of insurance paperwork in your glove compartment.
The key thing to remember is to use the same deductibles and limits on each quote and and to compare all possible companies. Doing this guarantees a fair rate comparison and a complete selection of prices.
To read more, take a look at the resources below:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Cheap Cincinnati Auto Insurance for 17 Year Olds? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
- How Much are Cincinnati Car Insurance Rates for Business Use? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance for Infrequent Drivers? (FAQ)
- What Insurance is Cheapest for Good Students in Cincinnati? (FAQ)
- Who Has the Cheapest Cincinnati Car Insurance Rates for a Chevrolet Silverado? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers Under 25 in Cincinnati? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- How to Avoid Common Accidents (State Farm)
- Vehicle Insurance (Wikipedia)