How many years has it been since you compared more competitive Nissan Altima insurance in Baltimore? No sane person looks forward to buying auto insurance, especially when they are aware that they could lower their rates if they shopped around.
A recent survey discovered that the vast majority of drivers kept their policy with the same company for a minimum of four years, and nearly 40% of drivers have never compared rates from other carriers. Maryland insurance shoppers could save themselves up to 55% a year by just comparing quotes, but most undervalue the large savings they would see if they switch to a new company.
Due to the large number of insurance companies to choose from that have affordable insurance for a Nissan Altima in Baltimore, it can be impossible to find the best insurer.
Locating the best rates in Baltimore seems hard but is not really that difficult. In a nutshell, every car owner who shops for auto insurance should find a cheaper policy. But Maryland consumers need to have an understanding of how big insurance companies price insurance differently because rates are impacted by many factors.
Low-cost companies for Nissan Altima insurance in Maryland
The companies in the list below have been selected to offer price quotes in Maryland. If multiple providers are shown, we suggest you get price quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$318||$580||$418||$24||$126||$1,466||$122|
|Altima 2.5 S 4-Dr Sedan||$350||$744||$406||$24||$122||$1,646||$137|
|Altima Hybrid 4-Dr Sedan||$340||$704||$528||$32||$158||$1,762||$147|
|Altima 2.5 S 2-Dr Coupe||$340||$728||$482||$28||$144||$1,722||$144|
|Altima 3.5 SR 4-Dr Sedan||$168||$326||$382||$22||$114||$1,012||$84|
|Altima 3.5 SR 2-Dr Coupe||$394||$882||$620||$36||$186||$2,118||$177|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific location information which can change price quotes greatly.
Should you buy full coverage?
The diagram below illustrates the comparison of Nissan Altima insurance prices with full coverage and liability only. The information is based on no claims, a clean driving record, $500 deductibles, married male driver, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There is no definitive rule to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let's assume your Nissan Altima settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your deductible. If it's costing in excess of $400 a year for physical damage coverage, then it could be time to drop full coverage.
There are some situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.
How high should deductibles be?
The illustration below demonstrates how deductible levels and can impact Nissan Altima insurance costs for each age group. The costs are based on a single male driver, full physical damage coverage, and no policy discounts are applied.
Score discounts on Baltimore car insurance
Car insurance is not cheap, but companies offer discounts that many consumers don't even know exist. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before you get the savings.
- Drive Less and Save - Driving fewer miles could qualify for better rates on cars that stay parked.
- Life Insurance Discount - If the company offers life insurance, you could get a discounted rate on car insurance if you buy a life insurance policy as well.
- Safety Course Discount - Taking time to complete a course teaching defensive driving skills could earn you a small percentage discount and make you a better driver.
- Anti-theft Discount - Cars and trucks with anti-theft systems prevent vehicle theft and will qualify for a discount on a Baltimore auto insurance quote.
- Discounts for Good Drivers - Drivers without accidents may save up to 50% more than drivers with accidents.
- Seat Belts Save more than Lives - Requiring all passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
- Discount for Home Ownership - Just owning your own home may trigger a policy discount on car insurance because owning a home requires personal responsibility.
- ABS and Traction Control Discounts - Vehicles with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
- Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class as it can save substantially.
- Early Switch Discount - Some insurance companies reward drivers for buying a new policy before your current coverage expires. You can save around 10% with this discount.
One last thing about discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way.
Insurance companies who might offer some of the above discounts are:
Before buying, ask all companies you are considering which credits you are entitled to. A few discounts might not apply in Baltimore. To view providers with the best Nissan Altima insurance discounts in Baltimore, click here.
Compare rate quotes but work with a local neighborhood Baltimore car insurance agent
A lot of people just want to buy from a local agent and we recommend doing that The biggest benefit of getting free rate quotes online is that you can obtain cheap rate quotes and still have a local agent.
Upon completion of this form (opens in new window), your coverage information is instantly submitted to insurance agents in Baltimore that give free quotes for your business. It simplifies rate comparisons since you won't have to do any legwork because prices are sent to the email address you provide. You can find better rates and a licensed agent to work with. If you have a need to get a comparison quote for a specific company, you just need to navigate to their website to submit a rate quote request.
Finding a good provider is decision based upon more than just the price. Here are some questions to ask:
- Can they give you a list of client referrals?
- How would your car be valued if totalled?
- Do the coverages you're quoting properly cover your vehicle?
- Do they offer rental car reimbursement?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they reduce claim amounts on high mileage vehicles?
Shown below are Baltimore insurance companies that are able to give price quote information for Nissan Altima insurance in Baltimore.
Save 15 percent in 15 minutes? Is it for real?
Popular car insurance providers such as Allstate, GEICO and Progressive regularly use television, radio, and online ads. They all seem to make an identical promise that drivers will save a bundle if you get a free Baltimore auto insurance quote and switch your coverage. How is it possible that every company can claim to save you money? This is the trick they use.
All the different companies offer their best rates for the type of customer that will be a good risk. For example, a driver they prefer may need to be a married male, owns their home, and has excellent credit. Someone who matches that profile will get a cheap rate quote in Baltimore and as a result will probably save a lot on Baltimore Nissan Altima insurance if they switch.
People who do not fit these standards must pay higher prices which usually ends up with business not being written. The trick is to say "people who switch" not "all people who quote" can save as much as they claim. That's the way companies can state the savings. Each company has different criteria, so drivers should compare as many free Baltimore auto insurance quotes as you can. Because without a comparison, you cannot know with any certainty which company will have better prices than you're paying now.
Specific coverage details
Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.
Coverage for collisions
This pays for damage to your Altima caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for claims such as hitting a parking meter, backing into a parked car, colliding with a tree, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible on your Altima to bring the cost down.
Liability car insurance
This coverage will cover damages or injuries you inflict on other's property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 30/60/15 which means $30,000 bodily injury coverage, $60,000 for the entire accident, and $15,000 of coverage for damaged property.
Liability can pay for things such as funeral expenses, repair costs for stationary objects, medical services and emergency aid. How much coverage you buy is up to you, but consider buying as much as you can afford. Maryland requires minimum liability limits of 30/60/15 but drivers should carry higher limits.
Uninsured and underinsured coverage
This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Nissan Altima.
Since many Maryland drivers only purchase the least amount of liability that is required (30/60/15), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, prosthetic devices and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hitting a bird, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.
Smart consumers save more
Discount Nissan Altima insurance in Baltimore is attainable both online as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some auto insurance companies may not have online quoting and most of the time these small insurance companies provide coverage only through independent agencies.
We just presented a lot of tips how to compare Nissan Altima insurance car insurance rates in Baltimore. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest car insurance rates come from an unexpected company. These smaller insurers can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm or Progressive.