Compare Nissan Altima Insurance Rates in Atlanta

Pretty sure you bought an expensive insurance policy? Believe me, many Atlanta drivers have buyer’s remorse.

Sadly, over 70% of Georgia drivers have purchased from the same company for well over three years, and almost 40% of drivers have never compared rates from other carriers. American consumers could cut their rates by 46.5% a year just by shopping around, but they don’t want to take the time to compare rates online.

Big companies like GEICO, Progressive and Allstate all claim big savings with advertising and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

It’s a good idea to price shop coverage occasionally due to the fact that insurance prices tend to go up over time. Just because you had the best price on Nissan Altima insurance in Atlanta a year ago you may be paying too much now. Block out anything you think you know about insurance because you’re going to learn the best methods to find lower rates on insurance.

The fastest way that we advise to get policy rate comparisons for Nissan Altima insurance in Atlanta is to understand auto insurance companies participate in a system to compare rate quotes. All consumers are required to do is provide details including distance driven, which vehicles you own, how much education you have, and if you require a SR-22. Your insurance information is instantly sent to insurance carriers in your area and you will receive price estimates within a short period of time.

To start a quote now, click here and enter the information requested.

The companies in the list below have been selected to offer comparison quotes in Atlanta, GA. If multiple providers are shown, we suggest you compare several of them in order to find the lowest rates.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise premiums substantially.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The data tables below highlight the price difference when you choose different deductibles. The first rate table uses a $250 deductible and the second set of rates uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Prices do not factor in your specific Atlanta location which can alter premiums substantially.

We can derive from the above data that using a $250 deductible will cost you approximately $32 more each month or $384 annually than choosing the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 23 months between claim filings, you would probably save some money by selecting a higher deductible.

An important thing to remember is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will force you to have a higher level of savings in the event you have to pay more to get your vehicle repaired.

Comparison of car insurance rates by gender

The chart below illustrates the comparison of Nissan Altima auto insurance rates for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.

Discounts can help lower rates on Nissan Altima insurance in Atlanta

Companies that sell car insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the below list has some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• One Accident Forgiven – Not a discount per se, but companies like State Farm and Allstate will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free for a specific time period.
• Anti-lock Brake System – Cars and trucks with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you could save 5% or more.
• Defensive Driver Discounts – Completing a course teaching driver safety skills may get you a small discount and make you a better driver.
• Telematics Devices – Drivers that enable companies to track driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
• Good Grades Discount – This discount can save 20 to 25%. Most companies allow this discount up until you turn 25.
• New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper since newer vehicles are generally safer.
• Responsible Driver Discounts – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.
• Early Renewal Discounts – Select companies give a discount for buying a policy early. You may see this discount when you get Atlanta auto insurance quotes online.

Policy discounts save money, but some credits don’t apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that may include most of the discounts above include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

When getting free Atlanta auto insurance quotes, it’s a good idea to every prospective company what discounts are available to you. Some credits might not apply in Atlanta. To see companies who offer insurance discounts in Atlanta, click this link.

Auto insurance is an important decision

Even though Atlanta Altima insurance rates can get expensive, auto insurance serves several important purposes.

• Just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability protection in order to drive the car legally. In Georgia 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 have a loan on your vehicle, most lenders will force you to buy insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Nissan at a much higher premium rate and force you to pay a much higher amount than you were paying before.
• Insurance safeguards not only your Nissan Altima but also your assets. It will also provide coverage for all forms of medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of buying auto insurance are definitely more than the cost, especially for larger claims. Today the average American driver overpays more than $850 per year so it’s important to compare rates at every renewal to make sure the price is not too high.

When in doubt talk to an agent

Keep in mind that when it comes to choosing the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

• What does roadside assistance cover?
• Where can I find DUI or SR-22 insurance?
• Does coverage follow the driver or the vehicle?
• Can I make deliveries for my home business?
• If I drive on a suspended license am I covered?
• What states are considered no-fault?
• What is GAP insurance?
• Am I better off with higher deductibles on my Nissan Altima?
• What are the best liability limits?
• How much coverage applies to personal belongings?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Local Atlanta insurance agents

Certain consumers just prefer to sit down and talk to an agent and that is not a bad decision One of the great benefits of comparing rate quotes online is that you can find lower car insurance rates but also keep your business local.

For easy comparison, once you complete this short form, the coverage information is immediately sent to companies in Atlanta that give free quotes to get your business. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go immediately to your email address. Get lower rates without requiring a lot of work. If you want to get a price quote from one company in particular, you just need to go to their quote page and fill out their quote form.

Selecting an company is decision based upon more than just the bottom line cost. Here are some questions you might want to ask.

• Are they involved in claim handling?
• When do they do a full risk review?
• How long has their agency been in business in Atlanta?
• What is their Better Business Bureau rating?
• Will their companies depreciate repairs to your car based on the mileage?
• Can glass repairs be made at your home?

When narrowing the list to find a reputable agency, you need to know there are two types of agencies and how they are distinctly different. Auto insurance policy providers are either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents that elect to be exclusive can only write with one company and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are trained well on their company’s products which helps them sell on service rather than price.

Below are Atlanta exclusive agencies who may provide you with price quote information.

More insurance agents

Independent Auto Insurance Agencies

Agents that choose to be independent can quote rates with many companies and that allows them to write policies with a variety of different insurance companies and find the cheapest rate. If they find a cheaper price, your policy is moved internally and you don’t have to switch agencies.

When searching for an agent, you should always get insurance quotes from multiple independent agents so that you can do a thorough price comparison.

Below are Atlanta independent agencies that are able to give price quotes.

More insurance agents

After talking to the agent and getting positive responses to all your questions as well as a affordable price, you’ve probably found an auto insurance agent that is a good match to adequately provide auto insurance.