The recommended way to find low-cost prices for Nissan Altima insurance is to compare quotes annually from insurers that sell auto insurance in Corpus Christi.
- Try to understand the different coverages in a policy and the factors you can control to keep rates low. Many things that drive up the price such as traffic citations, accidents, and poor credit history can be remedied by improving your driving habits or financial responsibility. Keep reading for information to prevent rate hikes and get discounts that may be overlooked.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple sources.
- Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save some money and switch companies, make sure there is no lapse in coverage.
- Notify your agent or company of your decision to cancel the current policy. Submit a down payment and signed policy application for your new coverage. Immediately put the certificate verifying coverage along with your vehicle registration.
One thing to remember is to use the same physical damage deductibles and liability limits on each price quote and and to analyze as many auto insurance providers as possible. This guarantees the most accurate price comparison and a complete selection of prices.
Statistics show that a large majority of consumers have been with the same company for a minimum of four years, and nearly the majority have never even compared quotes to find affordable rates. Many drivers in Texas could pocket almost 70% a year by just shopping around, but they don’t want to take the time to compare rates.
If you have a policy now or are just looking to switch companies, you can learn to find better prices without reducing protection. Buying the cheapest insurance in Corpus Christi is really quite simple as long as you have a good starting point. Drivers just need to learn the least time-consuming way to compare rate quotes online.
Seven Things That Influence Your Insurance Prices
A large part of saving on auto insurance is knowing some of the elements that are used to determine your premiums. When consumers understand what determines base rates, this enables you to make decisions that can help you get lower premium levels. Many factors are taken into consideration when you get a price on insurance. Some are pretty understandable such as your driving history, although some other factors are not as apparent such as whether you are married or your vehicle rating.
The factors shown below are some of the most common factors utilized by car insurance companies to help set your prices.
- Get married and get cheaper costs – Having a wife or husband may earn you lower rates on your auto insurance bill. Having a significant other may mean you are more financially stable and insurance companies reward insureds because married couples file fewer claims.
- Protect yourself with liability coverage – Liability coverage kicks in if ever you are found to be at fault for damages caused by your negligence. This coverage provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Physical damage deductibles – Insurance for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Nissan. A few examples of covered claims would be a windshield shattered by a rock, damage from fire, and damage from a fallen tree branch. Comp and collision deductibles represent how much money you are required to spend out-of-pocket if a covered claim is submitted. The more damage repair cost the insured has to pay upfront, the lower your rates will be.
- When should you file policy claims? – If you file claims often, you should expect either higher rates or even cancellation. Insurance companies in Texas generally give lower rates to policyholders who do not file claims often. Auto insurance is intended to be relied upon for the large, substantial claims.
- Choose high safety ratings and save – Safe vehicles tend to have lower insurance rates. Vehicles built for safety reduce injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy. If your Nissan Altima has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
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Male prices may be higher – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean males are worse at driving than females. Men and women are responsible for auto accidents in similar percentages, but men tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI.
The diagram below shows the comparison of Nissan Altima car insurance costs for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are factored in.
- Responsible credit saves on auto insurance – A driver’s credit rating is likely to be a major factor in your rate calculation. Therefore, if your credit history is lower than you’d like, you could pay less to insure your Nissan Altima by improving your credit score. Insureds that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have poor credit scores.
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Loss statistics for a Nissan Altima – Companies use statistical claims data to help set a rate to offset losses. Vehicles that have a trend towards higher claim severity or frequency will have a higher cost to insure.
The next table shows the historical insurance loss data for Nissan Altima vehicles. For each type of coverage, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Values under 100 imply a favorable loss record, while percentage values above 100 indicate a higher chance of having a claim or larger claims.
Nissan Altima Insurance Claim Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Altima 110 97 119 144 147 114 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Getting a cheaper price on insurance is not rocket science. Consumers just need to take the time comparing rates to see which company has low cost Corpus Christi car insurance quotes.
Comparing quotes online is fast and free, and it takes the place of having to drive around to insurance agencies in your area. Quoting and buying Nissan Altima insurance online has made agencies unnecessary unless you require the extra assistance of a local agency. However, consumers can price shop online and get advice from an agent in your area.
The companies shown below are ready to provide price comparisons in Texas. If you want to find cheap auto insurance in TX, it’s a good idea that you compare several of them to get a more complete price comparison.
Rate information and statistics
The rate table shown next outlines different coverage costs for Nissan Altima models. Having a better idea how insurance premiums are determined can be useful when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $272 | $400 | $500 | $30 | $150 | $1,352 | $113 |
| Altima 2.5 S 4-Dr Sedan | $272 | $472 | $500 | $30 | $150 | $1,424 | $119 |
| Altima Hybrid 4-Dr Sedan | $308 | $472 | $500 | $30 | $150 | $1,460 | $122 |
| Altima 2.5 S 2-Dr Coupe | $308 | $472 | $564 | $34 | $168 | $1,546 | $129 |
| Altima 3.5 SR 4-Dr Sedan | $308 | $472 | $500 | $30 | $150 | $1,460 | $122 |
| Altima 3.5 SR 2-Dr Coupe | $308 | $542 | $564 | $34 | $168 | $1,616 | $135 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific location which can raise or lower auto insurance rates considerably.
Comparison of policy deductibles
One of the most common car insurance questions is what deductibles to buy. The comparisons below may aid in understanding the differences in premium rates between high and low comp and collision deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate chart uses a $500 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 | $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 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in zip code location which can increase or decrease rates greatly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $29 more each month or $348 annually averaged for all Altima models than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 14 months between claim filings, you would more than likely save some money by selecting a higher deductible.
The chart below illustrates how choosing a deductible and can increase or decrease Nissan Altima insurance prices for different insured age categories. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Insurance rate increases from tickets or accidents
The information below shows how speeding tickets and accidents can drive up Nissan Altima premium costs for each different age category. The data is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Best reasons to buy auto insurance in Texas
Even though Corpus Christi Altima insurance rates can get expensive, insuring your vehicle may be required for several reasons.
First, the majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability insurance in order to drive the car legally. 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 you took out a loan on your Altima, it’s guaranteed your bank will require you to carry insurance to guarantee loan repayment. If you do not pay your insurance premiums, the bank may insure your Nissan at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance safeguards your Nissan Altima and your assets. It will also reimburse you for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.
The benefits of buying enough insurance are definitely more than the cost, especially if you ever need it. As of last year, the average driver in Texas overpays more than $800 each year so compare rates at least once a year to save money.
Auto insurance policy discounts for Nissan Altima insurance in Corpus Christi
Car insurance is not cheap, but you may be missing some discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of purchase, but a few need to be inquired about before you will receive the discount.
- Data Collection Discounts – Drivers that enable their company to look at where and when they drive by using a telematic data system such as Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
- Discount for Swiching Early – Some companies provide a discount for buying a new policy before your current coverage expires. It can save you around 10%.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
- Policy Bundle Discount – When you combine your auto and home insurance and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts may get savings of 20 to 30 percent.
- Defensive Driver Discounts – Completing a course teaching driver safety skills could possibly earn you a 5% discount and make you a better driver.
As a sidenote, most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, that’s just not realistic.
The information below compares Nissan Altima insurance prices with and without discounts applied to the rates. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, marriage, multi-car, and homeowner discounts applied.
Larger auto insurance companies and a selection of discounts can be found below.
- State Farm may include discounts for good driver, passive restraint, good student, driver’s education, and safe vehicle.
- Farmers Insurance offers discounts including distant student, mature driver, multi-car, youthful driver, and homeowner.
- Progressive offers premium reductions for online signing, homeowner, multi-vehicle, good student, and multi-policy.
- GEICO includes discounts for defensive driver, multi-policy, federal employee, air bags, and good student.
- Auto-Owners Insurance has savings for paperless, multi-policy, safe vehicle, group or association, and paid in full.
- The Hartford offers discounts for good student, vehicle fuel type, defensive driver, driver training, anti-theft, bundle, and air bag.
- Farm Bureau has discounts for youthful driver, driver training, good student, safe driver, multi-vehicle, and multi-policy.
- USAA policyholders can earn discounts including family discount, safe driver, driver training, multi-policy, defensive driver, good student, and military installation.
Before you buy a policy, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to view auto insurance companies that provide some of the discounts listed above in Texas, click here to view.
Compare rate quotes but buy from a local neighborhood Corpus Christi car insurance agent
Some consumers still like to buy from a licensed agent and that is not a bad decision Experienced insurance agents can help determine the best coverages and help file insurance claims. A nice benefit of comparing car insurance online is the fact that drivers can get cheap rate quotes and also buy local. Buying from and supporting neighborhood agents is important especially in Corpus Christi.
Once you complete this simple form, your insurance data is emailed to agents in your area who will give you bids and help you find cheaper coverage. You won’t need to visit any agencies since price quotes are sent immediately to you. If you need to get a rate quote from a particular provider, you can always find their quoting web page and give them your coverage information.
Choose the right auto insurance agent
When searching for a good Corpus Christi insurance agent, there are two types of agencies and how they are distinctly different. Agents in Corpus Christi are considered either independent agents or exclusive agents. Either can sell affordable car insurance policies, but we need to point out the subtle differences because it can impact your selection of an agent.
Independent Agencies or Brokers
Agents that elect to be independent often have many company appointments so as a result can place your coverage through lots of different companies and find you cheaper rates. If you want to switch companies, your agent can just switch to a different company and you don’t have to do anything. If you are comparing car insurance prices, you definitely need to compare quotes from several independent agencies to maximize your price options.
Featured below are independent agencies in Corpus Christi that can possibly get you competitive price quotes.
Heavin and Associates Insurance Agency
4717 Gollihar Rd – Corpus Christi, TX 78411 – (361) 852-8005 – View Map
All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643 – View Map
CMM INSURANCE AGENCY
5009 Kostoryz Rd – Corpus Christi, TX 78415 – (361) 654-0030 – View Map
Exclusive Agents
These type of agents can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents are well schooled on their products and sales techniques which aids in selling service over price.
Below is a list of exclusive agents in Corpus Christi willing to provide price quote information.
Allstate Insurance: Eddie Martinez
4942 Everhart Rd – Corpus Christi, TX 78411 – (361) 993-6638 – View Map
Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map
Randy Ritter – State Farm Insurance Agent
6601 Everhart Rd, Ste H4 – Corpus Christi, TX 78413 – (361) 851-8611 – View Map
Selecting an insurance agency should depend on more than just a cheap price quote. These are valid questions to ask:
- What company holds the largest book of business for them?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will your rates increase after a single accident?
- Will they make sure you get an adequate claim settlement?
- Does the company have a local claim office in Corpus Christi?
- Will the agent or a CSR service your policy?
- Is the agency active in community causes in Corpus Christi?
- What companies can they write with?
Tailor your insurance coverage to you
Always keep in mind that when comparing your policy, there isn’t really a cookie cutter policy. Every situation is different so your insurance should reflect that
For example, these questions might help in determining whether your personal situation might need an agent’s assistance.
- Why do I have to buy liability insurance?
- Should I have a commercial auto policy?
- What if a claim settlement is too low?
- I have good health insurance, so how much medical payments coverage do I need?
- When can my company non-renew my policy?
- What policy terms are available?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.
Quote more to save more
Discount Nissan Altima insurance in Corpus Christi is possible both online in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance providers may not provide rate quotes online and many times these small insurance companies sell through independent insurance agents.
As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.
Additional information
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has the Cheapest Corpus Christi Auto Insurance Quotes for Government Employees? (FAQ)
- How Much are Corpus Christi Car Insurance Rates for a Toyota RAV4? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)