Searching for cheaper auto insurance rates in Lubbock, TX? Lubbock buyers have lots of choices when searching for low-cost Nissan Altima insurance. You can either waste hours struggling with agents getting price quotes or save time using the internet to make rate comparisons.
There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to quote coverages for a new or used Nissan and locate the cheapest rates from both online companies and Lubbock agents.
You should take the time to compare rates before your next renewal since prices change quite often. Even if you think you had the lowest rate on Nissan Altima insurance in Lubbock two years ago you may be paying too much now. There are a lot of ways to save on Altima insurance on the internet, but in this article, you’re going to get a lot of great tips on how to stop overpaying for insurance in Lubbock.
Cheap auto insurance in Lubbock, TX
The companies shown below are our best choices to provide free rate quotes in Texas. If you wish to find cheap car insurance in Lubbock, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Coverage information
The data table below outlines estimates of insurance coverage prices for Nissan Altima models. Having knowledge of how prices are determined is important for you to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $140 | $260 | $358 | $22 | $108 | $888 | $74 |
| Altima 2.5 S 4-Dr Sedan | $140 | $306 | $358 | $22 | $108 | $934 | $78 |
| Altima Hybrid 4-Dr Sedan | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Altima 2.5 S 2-Dr Coupe | $158 | $306 | $404 | $24 | $122 | $1,014 | $85 |
| Altima 3.5 SR 4-Dr Sedan | $158 | $306 | $358 | $22 | $108 | $952 | $79 |
| Altima 3.5 SR 2-Dr Coupe | $158 | $352 | $404 | $24 | $122 | $1,060 | $88 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes substantially.
Auto insurance deductibles
One frequently asked question is how high should the physical damage coverage deductibles be. The comparisons below may help to conceptualize the differences in price of buying low and high deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Altima 2.5 S 4-Dr Sedan | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Altima Hybrid 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Altima 2.5 S 2-Dr Coupe | $370 | $698 | $430 | $26 | $128 | $1,677 | $140 |
| Altima 3.5 SR 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Altima 3.5 SR 2-Dr Coupe | $370 | $804 | $430 | $26 | $128 | $1,783 | $149 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Altima 2.5 S 4-Dr Sedan | $182 | $368 | $382 | $22 | $114 | $1,068 | $89 |
| Altima Hybrid 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Altima 2.5 S 2-Dr Coupe | $206 | $368 | $430 | $26 | $128 | $1,158 | $97 |
| Altima 3.5 SR 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Altima 3.5 SR 2-Dr Coupe | $206 | $424 | $430 | $26 | $128 | $1,214 | $101 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can increase or decrease rates significantly.
Using the data above, we can ascertain that using a $100 deductible costs about $43 more each month or $516 for a full year across all Nissan Altima models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 21 months between claims, you would probably save some money if you elect the higher deductible.
Nissan Altima liability rates compared to full coverage
The information below compares Nissan Altima yearly insurance costs with full coverage compared to only the Texas minimum liability coverage. Data assumes no claims or driving citations, $1,000 deductibles, single status, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no exact rule to eliminate physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s assume your Nissan Altima replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your policy deductible. If you are paying over $800 a year to have full coverage, then it could be time to drop full coverage.
There are some situations where only buying liability is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Insurance rates and discounts
Car insurance companies don’t necessarily list every policy discount very well, so the below list has both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy Lubbock auto insurance online.
- Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
- Auto/Home Discount – If you have multiple policies and place coverage with the same company you may earn at least 10% off all policies.
- Air Bag Discount – Options like air bags and/or automatic seat belt systems can receive discounts up to 30%.
- Pay Now and Pay Less – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
- More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with the same company may reduce the rate for each vehicle.
- Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Membership in Organizations – Joining qualifying employment or professional organizations could earn you a nice discount on your next renewal.
- New Vehicle Savings – Putting insurance coverage on a new Altima can get you a discount since new model year vehicles have better safety ratings.
- Life Insurance – If the company offers life insurance, you could get better premium rates if you take out some life insurance too.
- Paperless Signup – Some of the larger companies may give you up to $50 simply for signing on your computer.
A little disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.
The information below illustrates the comparison of Nissan Altima insurance premiums with and without discounts applied. The premiums are based on a female driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, homeowner, marriage, and claim-free discounts applied.
To locate companies that can offer you the previously mentioned discounts in Lubbock, follow this link.
Seven Things That Affect Your Insurance Rates
Many different elements are used when pricing auto insurance. Some are pretty understandable such as your driving record, but some are not quite as obvious such as your credit history or your vehicle rating.
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The type of car, truck or SUV makes a difference – The make and model of the car you need to insure makes a big difference in how high your rates are. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
The following chart assumes a married male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Nissan Altima car insurance rates compared to other models that have a range of performances.
- Cheaper rates with high coverage deductibles – Comp and collision deductibles define the amount you are required to spend if a claim is determined to be covered. Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims could be rear-ending another vehicle, vandalism, and damage from wind. The more money you pay before a claim is paid (deductible), the better rate you will receive.
- Rural areas have lower prices – Residing in less populated areas of the country may provide you with better prices when shopping for auto insurance. Fewer drivers on the road means a lower chance of having an accident. City drivers have to deal with more aggressive driving styles and higher rates of accident claims. Longer commute distances means a statistically higher chance of an accident.
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Guys pay more for auto insurance – Statistics demonstrate that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. They both tend to get into auto accidents in similar percentages, but the men tend to have more serious accidents. Not only that, but men also get more serious tickets such as reckless driving.
The diagram below visualizes the comparison of Nissan Altima auto insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $100 deductibles, single status, and no discounts are applied.
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Better drivers pay lower rates – Your driving record can have a huge impact on auto insurance premiums. Attentive drivers have lower premiums as compared to those with violations. Even one ticket can bump up the cost forty percent or more. Drivers with license-revoking tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
The illustration below demonstrates how traffic citations and at-fault claims can raise Nissan Altima insurance prices for each different age category. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
- Liability limits on your policy – Liability coverage will afford coverage if ever you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
- Getting married brings a discount – Having a spouse actually saves money on car insurance. Marriage may mean you are less irresponsible and it’s proven that married drivers get in fewer accidents.
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Nissan Altima claim probability – Insurance companies analyze the history of losses to help determine rates. Vehicles that have higher frequency or amount of claims will have higher rates for specific coverages. The next table shows the historical loss data for Nissan Altima vehicles.
For each policy coverage type, the claim amount for all vehicles, as a total average, is represented as 100. Values below 100 mean the vehicle has better than average losses, while values over 100 indicate more frequent losses or tendency to have higher losses.
Nissan Altima Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Altima 110 97 119 144 147 114 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Car insurance quotes from neighborhood Lubbock auto insurance agents
A lot of people just want to buy from a local agent and that is a personal choice. Good agents will help you protect your assets and will help you if you have claims. One of the great benefits of comparing rates online is that you can obtain lower auto insurance rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is still important in Lubbock.
Upon completion of this quick form, your coverage information gets sent to companies in Lubbock that can provide free Lubbock auto insurance quotes for your car insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go straight to your inbox. If for some reason you want to get a rate quote from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
When searching for local Lubbock agents, there are a couple of types of agencies and how they are slightly different. Insurance agencies in Lubbock can be categorized as either independent or exclusive depending on the company they work for. Both types of agents can sell car insurance policies, but it’s worth mentioning the differences because it can influence buying decisions.
Independent Car Insurance Agents
Independent agencies do not work for one specific company and that gives them the ability to insure with many different companies and find the cheapest car insurance rates. If premiums increase, an independent agent can move your coverage and you don’t have to do anything. If you need lower rates, you absolutely need to contact several independent insurance agents in order to have the best price comparison. Most also write with smaller companies that many times have cheaper rates.
The following is a list of independent insurance agents in Lubbock that can possibly get you free price quotes.
- Willcoxon Insurance
4601 S Loop 289 # 7 – Lubbock, TX 79424 – (806) 763-4005 – View Map - Alan Henry Insurance Agency
3405 19th St – Lubbock, TX 79410 – (806) 792-3771 – View Map - Area Insurance Associates
4202 Avenue Q – Lubbock, TX 79412 – (806) 747-2400 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company and some examples include American Family, State Farm, and AAA. These agents are unable to compare rates from other companies so keep that in mind. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price. A lot of people use the same exclusive agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Lubbock willing to provide comparison quotes.
- Farmers Insurance – Rc Calderon
1314 50th St – Lubbock, TX 79412 – (806) 741-1515 – View Map - Farmers Insurance
3206 34th St – Lubbock, TX 79410 – (806) 791-2892 – View Map - Jason Grisham – State Farm® Insurance Agent
1102 Slide Rd, 33 – Lubbock, TX 79416 – (806) 793-3101 – View Map
Picking an car insurance agent should include more criteria than just a cheap price quote. Here are some questions you should ask.
- Which companies can they place coverage with?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is the agency covered by Errors and Omissions coverage?
- Is auto insurance their primary focus in Lubbock?
- Is the agency active in community causes in Lubbock?
- Are they giving you every discount you deserve?
Quote more to save more
There are still a few companies who may not offer the ability to get a quote online and these smaller companies work with independent insurance agencies. Lower-priced insurance in Lubbock can be found from both online companies and from local agencies, and you need to price shop both to get a complete price analysis.
In this article, we presented some good ideas how to lower your Nissan Altima insurance prices in Lubbock. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper Lubbock auto insurance quotes. Consumers could even find that the most savings is with a small local company.
Insureds who switch companies do it for many reasons like unfair underwriting practices, extreme rates for teen drivers, delays in responding to claim requests and even high prices. No matter why you want to switch, finding a new insurance company is pretty simple and you could end up saving a buck or two.
How to save on Nissan Altima insurance in Lubbock
The most effective way to find more affordable car insurance rates in Lubbock is to do an annual price comparison from insurance carriers that insure vehicles in Texas.
First, get an understanding of individual coverages and the changes you can make to prevent high rates. Many rating criteria that cause rate increases like tickets, at-fault accidents, and poor credit can be controlled by making minor changes in your lifestyle.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple sources.
Third, compare the new quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
Fourth, provide notification to your current company to cancel the current policy. Submit a down payment and signed policy application for your new policy. Be sure to place your new proof of insurance paperwork along with the vehicle’s registration papers.
One piece of advice is to try to compare the same deductibles and limits on every quote and and to look at as many auto insurance providers as possible. Doing this provides the most accurate price comparison and the most accurate and complete price analysis.
More learning opportunities
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Car Insurance is Cheapest for Nurses in Lubbock? (FAQ)
- How Much are Auto Insurance Quotes for Government Employees in Lubbock? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Unemployed Drivers in Lubbock? (FAQ)
- Who Has the Cheapest Lubbock Auto Insurance Quotes with Multiple Speeding Tickets? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Active Military in Lubbock? (FAQ)
- How Much are Auto Insurance Rates for Immigrants in Lubbock? (FAQ)
- Who Has Cheap Car Insurance Rates for a Toyota Tacoma in Lubbock? (FAQ)
- Who Has the Cheapest Lubbock Car Insurance Quotes for a Ford F-150? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Understanding Car Crashes Video (iihs.org)
- Booster Seat Ratings (iihs.org)