Insurance quote for Nissan Altima in HoustonAre you drained from sacrificing to pay car insurance each month? You have the same problem as many other people in Texas.

Regrettably, nearly 70% of consumers have purchased from the same company for at least four years, and nearly the majority have never even shopped around for cheap coverage. Many consumers in the United States can cut their rates by about 46.5% a year just by comparing rates, but they just don't understand the amount of money they would save if they switch to a new company.

There is such a variety of auto insurance companies to buy insurance from, and though it is a good thing to have a choice, it makes it harder to find the best rates for Nissan Altima insurance in Houston.

It's important to get comparison quotes yearly since prices are variable and change quite frequently. If you had the best deal on Nissan Altima insurance in Houston a few years ago a different company probably has better rates today. There is a lot of bad advice regarding Altima insurance online, but in just a couple of minutes you can learn some of the best ways to lower your car insurance bill.

Most of the larger companies allow consumers to get price estimates on the web. Obtaining pricing for Nissan Altima insurance in Houston is fairly simple because it's just a matter of typing in the coverage amounts you desire into the quote form. Upon sending the form, their quoting system sends out for your credit score and driving record and returns pricing information based on the information you submitted. Quoting online for Nissan Altima insurance in Houston helps simplify price comparisons, and it's also necessary to do this in order to get cheap rates.

To save time and fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you replicate your coverages as shown on your current policy. This way, you will be getting rate quotes based on identical coverages.

The companies shown below can provide price quotes in Houston, TX. To find cheap car insurance in Texas, we suggest you visit as many as you can to get the cheapest price.

Nissan Altima Insurance Price Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $266 $492 $514 $30 $154 $1,456 $121
Altima 2.5 S 4-Dr Sedan $268 $538 $392 $24 $118 $1,340 $112
Altima Hybrid 4-Dr Sedan $302 $538 $392 $24 $118 $1,374 $115
Altima 2.5 S 2-Dr Coupe $284 $580 $404 $24 $122 $1,414 $118
Altima 3.5 SR 4-Dr Sedan $358 $684 $388 $24 $116 $1,570 $131
Altima 3.5 SR 2-Dr Coupe $356 $908 $560 $34 $168 $2,026 $169
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in specific location information which can raise or lower insurance rates considerably.

Analysis of deductible levels

One common question asked by Houston drivers is where should you set your physical damage deductibles. The following insurance rates lay out how much more rates are when you buy lower versus higher coverage deductibles. The first data table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Nissan Altima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Altima 2.5 S 4-Dr Sedan $294 $584 $382 $22 $114 $1,421 $118
Altima Hybrid 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Altima 2.5 S 2-Dr Coupe $332 $584 $430 $26 $128 $1,525 $127
Altima 3.5 SR 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Altima 3.5 SR 2-Dr Coupe $332 $672 $430 $26 $128 $1,613 $134
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Nissan Altima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $240 $400 $382 $22 $114 $1,158 $97
Altima 2.5 S 4-Dr Sedan $240 $472 $382 $22 $114 $1,230 $103
Altima Hybrid 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Altima 2.5 S 2-Dr Coupe $270 $472 $430 $26 $128 $1,326 $111
Altima 3.5 SR 4-Dr Sedan $270 $472 $382 $22 $114 $1,260 $105
Altima 3.5 SR 2-Dr Coupe $270 $542 $430 $26 $128 $1,396 $116
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in your specific Houston location which can revise prices noticeably.

Using the data above, we can ascertain that using a $250 deductible costs roughly $16 more each month or $192 each year than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 16 months between claim filings, you would probably be better off if you choose the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): - $106
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that a higher deductible level means you will have to pay more of your own money when you file a claim. You need enough money in the bank in order to pay more for the deductible.

Protect more than your Altima

Despite the high cost of buying insurance for a Nissan Altima in Houston, paying for car insurance is required by state law in Texas and it also provides benefits you may not be aware of.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability protection in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your Nissan Altima has a lienholder, it's guaranteed your bank will force you to buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank or lender will purchase a policy for your Nissan at an extremely high rate and force you to pay for the much more expensive policy.

Third, car insurance preserves not only your Nissan but also your financial assets. It will also cover medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance are definitely more than the cost, particularly when you have a large claim. According to a recent study, the average American driver is overpaying more than $700 annually so compare rate quotes once a year at a minimum to save money.

Big names are not always cheapest

Car insurance providers like GEICO, State Farm and Progressive consistently run ads on TV and radio. All the ads state the claim about saving some big amount after switching to their company. That's great but how can every company offer drivers better rates? This is the way they can do it.

Companies have specific characteristics for the type of driver that makes them money. For example, a profitable insured may need to be a mature driver, insures multiple vehicles, and has a high credit rating. Someone that matches those criteria will qualify for the lowest rates in Houston as well as save some money.

People who may not quite match the requirements may be required to pay a higher premium which usually ends up with the customer buying from a different company. The wording the ads use say "drivers that switch" not "everyone that quotes" save money. That's why companies can claim big savings. Because of these techniques, drivers must compare as many free Houston auto insurance quotes as you can. It is impossible to predict the company that will have better auto insurance rates than you're paying now.

Affordable rates by earning these nine discounts

Companies that sell car insurance do not advertise every policy discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden credits available to bring down your rates. If you're not getting every credit you deserve, you're just leaving money on the table.Cheaper auto insurance with discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears adding up those discounts means a free policy, auto insurance companies aren't that generous.

Popular auto insurance companies and a selection of discounts are:

Double check with all the companies what discounts are available to you. Discounts may not apply in Houston. To locate insurers that offer some of these discounts in Texas, click here.

Exclusive versus independent insurance agents

Certain consumers prefer to sit down and talk to an agent. One of the benefits of getting free rate quotes online is you may find lower rates and also buy local.

Insurance agents in HoustonTo help locate an agent, after submitting this form (opens in new window), your information gets sent to local insurance agents in Houston who will return price quotes for your insurance coverage. You never need to contact any agents because quoted prices will be sent directly to you. It's the lowest rates AND an agent nearby. If you wish to get a price quote from a particular provider, you would need to navigate to their website and complete a quote there.

Choosing the best company requires more thought than just a cheap price quote. A good agent in Houston will have answers to these questions.

After talking to the agent and getting positive feedback to these questions as well as a price you're happy with, you've probably found an provider that meets your needs to provide insurance coverage. But remember, it's your coverage and you can terminate coverage for any reason so don't think you are locked into a specific company with no way out.

Car insurance coverages explained

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Collision protection

Collision coverage pays for damage to your Altima from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to raise the deductible on your Altima to save money on collision insurance.

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 30/60/25 which means a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as repair bills for other people's vehicles, structural damage and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but it's recommended drivers buy better liability coverage.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, hitting a deer, damage from a tornado or hurricane, rock chips in glass and a broken windshield. The most you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like EMT expenses, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Altima.

Due to the fact that many Texas drivers have only the minimum liability required by law (which is 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

More effort can pay off

The cheapest Nissan Altima insurance in Houston is available online as well as from insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer rates over the internet and these small, regional companies work with local independent agencies.

You just read many ways to find cheaper Nissan Altima insurance in Houston. The key thing to remember is the more rate comparisons you have, the better likelihood of getting the cheapest Nissan Altima rate quotes. You may even be surprised to find that the lowest priced car insurance comes from a smaller regional carrier. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.

Additional detailed information is available at these sites: