Auto Insurance Quotes for a Nissan Altima in Lubbock

Insurance for Nissan AltimaSearching 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.

Nissan Altima Insurance Rates in Lubbock, TX
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.

Nissan Altima insurance prices with $100 deductibles
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

Nissan Altima insurance prices with $1,000 deductibles
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.Discount insurance

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.

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.

View more agents

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.

View more agents

Picking an car insurance agent should include more criteria than just a cheap price quote. Here are some questions you should ask.

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