Are you tired of overpaying and want more affordable Nissan Altima insurance in Denver? Being forced to pay for high-priced insurance premiums can drain your checking account and make it tough to pay other bills. Comparing cost estimates can help to make ends meet.

Insurance rates Nissan Altima in DenverUnthinkable but true, the vast majority of consumers have been with the same company for at least four years, and nearly 40% of drivers have never shopped around. With the average insurance premium being $1,800, Denver drivers could save themselves nearly 35% a year just by shopping around, but they don't know the big savings they would realize if they moved their coverage to a different company.

Because you have many different company options, it is very difficult to find the most cost effective insurance provider.

Best companies for Nissan Altima insurance

The car insurance companies shown below offer free quotes in Colorado. If several companies are displayed, it's a good idea that you visit two to three different companies to get the cheapest price.

Nissan Altima Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $172 $314 $338 $20 $100 $944 $79
Altima 2.5 S 4-Dr Sedan $208 $448 $330 $20 $98 $1,104 $92
Altima Hybrid 4-Dr Sedan $330 $630 $358 $22 $108 $1,448 $121
Altima 2.5 S 2-Dr Coupe $146 $282 $374 $22 $112 $936 $78
Altima 3.5 SR 4-Dr Sedan $262 $534 $330 $20 $98 $1,244 $104
Altima 3.5 SR 2-Dr Coupe $190 $390 $396 $24 $118 $1,118 $93
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific zip code location which can raise or lower insurance rates greatly.

Irresponsible driving raises your rates

The illustration below shows how traffic citations and accidents can influence Nissan Altima insurance costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The following insurance rates approximate the costs and benefits of buying low and high coverage deductibles. The first table uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Nissan Altima insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
Altima 2.5 S 4-Dr Sedan $302 $644 $352 $20 $106 $1,449 $121
Altima Hybrid 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Altima 2.5 S 2-Dr Coupe $342 $644 $396 $24 $118 $1,549 $129
Altima 3.5 SR 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Altima 3.5 SR 2-Dr Coupe $342 $740 $396 $24 $118 $1,645 $137
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Nissan Altima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
Altima 2.5 S 4-Dr Sedan $168 $340 $352 $20 $106 $986 $82
Altima Hybrid 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
Altima 2.5 S 2-Dr Coupe $190 $340 $396 $24 $118 $1,068 $89
Altima 3.5 SR 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
Altima 3.5 SR 2-Dr Coupe $190 $390 $396 $24 $118 $1,118 $93
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in specific Denver garaging location which can influence premium rates significantly.

We can derive from the above data that using a $100 deductible will cost you about $40 more each month or $480 annually than choosing the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 23 months between claims, you would save more money if you opt for a higher deductible.

Find Nissan Altima Insurance Cheaper

Many factors are part of the equation when pricing auto insurance. Some factors are common sense like a motor vehicle report, although others are not as apparent such as whether you are married or how financially stable you are.

Cheaper rates with high physical damage deductibles - Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Nissan from damage. Some coverage claims are collision with another vehicle, vandalism, or theft. Comp and collision deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. The more of the claim you choose to pay out-of-pocket, the less your insurance will be.

Big city or small town - Having an address in a small town can be a good thing if you are looking for the lowest rates. Fewer drivers on the road means fewer accidents in addition to fewer liability claims. Urban drivers tend to have more auto accidents and longer commute times. Spending more time driving means more chances of being involved in an auto accident.

Do you qualify for a multi-policy discount? - Many companies apply better rates to buyers that have more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you already get this discount, drivers will still want to get quotes from other companies to guarantee you are still saving the most. Drivers may still save money even if you have your coverage with different companies

Deter theft and pay less - Choosing to buy a car with an alarm system can help lower your premiums. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your vehicle from being stolen.

Drive a safer car and pay less - Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and reduced instances of injuries means less claims paid which can result in lower premiums.

Claims statistics for a Nissan Altima - Car insurance companies factor in insurance loss information when they set coverage costs for each model. Vehicles that statistically have a trend towards higher claims will have increased rates.

The data below shows the historical loss data for Nissan Altima vehicles. For each coverage type, the statistical loss for all vehicles, regardless of make or model, is considered to be 100. Percentages below 100 suggest a positive loss record, while values that are above 100 show a trend for more claims or an increased chance of a larger loss.

Insurance Loss Ratings for Nissan Altima Vehicles

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Nissan Altima 110 97 119 144 147 114
BETTER
AVERAGE
WORSE

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Determine discounts to get cheap Denver insurance quotes

Companies offering auto insurance don't always advertise all possible discounts very clearly, so here is a list some of the best known and also the more inconspicuous discounts that you may qualify for. If you don't get every credit available, you may be paying too high a price.Discount insurance

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, insurance companies aren't that generous.

Car insurance companies that may include these discounts possibly include:

It's a good idea to ask every insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in Denver. To locate insurance companies with discount rates in Colorado, click here to view.

Car insurance is available from local agents

Many people would rather get advice from a local agent and that is a smart decision An additional benefit of getting free rate quotes online is you may find cheaper rates and still have an agent to talk to.

Find insurance agent in DenverFor easy comparison, once you complete this simple form, your information is immediately sent to companies in Denver who will give you quotes for your car insurance coverage. There is no need to leave your computer due to the fact that quote results will go to you. You'll get the best rates AND a local agent. If you wish to get a price quote for a specific company, you just need to navigate to their website and submit a quote form there.

Choosing the best insurer is decision based upon more than just the bottom line cost. The following questions are important to ask.

Don't give up on affordable rates

We just covered many ways to compare Nissan Altima insurance rates in Denver. It's most important to understand that the more times you quote, the higher your chance of finding cheaper Denver car insurance quotes. Consumers may even find the lowest priced insurance comes from a small mutual company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Some insurance companies do not provide internet price quotes and many times these regional carriers only sell coverage through independent agencies. The cheapest Nissan Altima insurance in Denver is definitely available both online and also from your neighborhood Denver agents, and you should compare rates from both to have the best selection.

As you prepare to switch companies, make sure you don't skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best price and still be able to protect your assets.

Even more information is located at these sites: