Buying cheap insurance for a Nissan Altima in Oklahoma hinges on lots of different rating factors such as whether you are married or single, your credit history, and your motor vehicle report. Oklahoma drivers will pay on average $1,613 per year for Altima insurance, but that amount is an approximation calculated using a 50-year-old single female driver with full physical damage coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 50-year-old female, maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Having the smallest difference in rating criteria may result in a big change in rates.
Car insurance coverage is unique to each driver, so this is why the best method for finding the cheapest insurance price for your Nissan is to compare rates from as many companies as possible.
The trim level of your Altima will most likely have an effect on the annual cost of coverage, so the price to insure a Altima 2.5 4-Dr Sedan will be $374 lower than the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$332||$684||$506||$30||$152||$1,704||$142|
|Altima 2.5 S 4-Dr Sedan||$332||$804||$506||$30||$152||$1,824||$152|
|Altima Hybrid 4-Dr Sedan||$374||$804||$506||$30||$152||$1,866||$156|
|Altima 2.5 S 2-Dr Coupe||$374||$804||$572||$34||$172||$1,956||$163|
|Altima 3.5 SR 4-Dr Sedan||$374||$804||$506||$30||$152||$1,866||$156|
|Altima 3.5 SR 2-Dr Coupe||$374||$926||$572||$34||$172||$2,078||$173|
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in zip code location which can lower or raise insurance rates greatly.
Insuring your vehicle with the right insurance company can be rather challenging considering how many choices there are in Tulsa. The company ratings shown next could help you pick which car insurance companies to look at when comparing rate quotes.
These ratings are only made up of companies with a nationwide focus, so smaller regional companies are not taken into consideration for these rankings. To compare prices from the insurers below and more, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The example below shows how choosing a deductible can change insurance prices when searching for cheap insurance for a Nissan Altima. The costs are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $482 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $730 by using a $1,000 deductible. Even younger drivers, like the age 20 example, could lower their rates up to $1,458 or even more by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it will be required to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Types of discounts on Tulsa car insurance rates
Insurance companies that provide policies for a Nissan Altima may also offer price discounts that may potentially lower prices by as much as 35% if you meet specific criteria. A few of the larger companies and some of the premium reductions they offer are outlined below.
- GEICO has savings for multi-policy, air bags, seat belt use, federal employee, and emergency military deployment.
- MetLife may include discounts for good student, multi-policy, good driver, defensive driver, accident-free, claim-free
- Progressive may offer discounts for multi-policy, online quote discount, multi-vehicle, homeowner, and good student.
- Travelers offers premium reductions for hybrid/electric vehicle, multi-policy, good student, continuous insurance, home ownership, and early quote.
- SAFECO includes discounts for multi-car, anti-lock brakes, teen safe driver, accident prevention training, homeowner, anti-theft, and drive less.
- AAA may have discounts that include good driver, education and occupation, multi-car, AAA membership discount, good student, and anti-theft.
The diagram below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents, no driving violations, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, passive restraint, marriage, multiple policy, homeowner, and claim-free discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Nissan Altima is 28% or $750.
The Tulsa auto insurance agencies shown below are a good start to help you determine which auto insurance coverages would be the best in your situation, as many consumers aren’t sure which coverage to buy and prefer to have some advice when buying car insurance for a Nissan Altima. It can be time-consuming to find the best coverage on your own, and getting professional guidance from a licensed agent can give you satisfaction knowing your policy gives you suitable coverage if you ever need to use it.
To find a Tulsa insurance agency close to where you live, click the button below the list.
- George Hazlett – State Farm Insurance Agent
6043 S Sheridan Rd – Tulsa, OK 74145 – (918) 496-0513
- Best Insurance Inc.
1618 W 51st St – Tulsa, OK 74107 – (918) 949-3555
- Charles G. Harris Insurance
4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421
- Beverly Young – State Farm Insurance Agent
7112 S Mingo Rd #102b – Tulsa, OK 74133 – (918) 250-1550
Tips to find more affordable auto insurance for a Nissan Altima
Below you’ll find a few thrifty suggestions that can help Oklahoma drivers find low-cost auto insurance.
- Raise deductibles
- Safe vehicles cost less to insure
- Keep your driving record clean
- Good credit can mean cheaper rates
- Maintain a safe distance and avoid accidents
- Comparison shop frequently
The last tip is certainly vital, as was noted in the prior information. Prices charged by car insurance companies in Tulsa can be modified anytime, so don’t be tentative to buy a policy from a new company if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that inflexibility results in costing you lots of money. Spend a few minutes and shop around and find cheaper car insurance for a Nissan Altima.