Sadly, nearly 70% of customers kept their coverage with the same insurance company for a minimum of four years, and practically 40% of insurance customers have never even compared rates from other companies. Many consumers in Boston can save hundreds of dollars each year by just comparing rate quotes, but they don’t want to take the time to find lower-cost insurance rates.
The best way we recommend to get the cheapest Nissan Altima insurance in Boston is to regularly compare price quotes from different companies in Massachusetts. You can shop around by completing these steps.
- Try to learn about coverages and the modifications you can make to lower rates. Many policy risk factors that result in higher prices like at-fault accidents and a less-than-favorable credit score can be rectified by making lifestyle changes or driving safer. Continue reading for additional tips to get low prices and find additional discounts.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while independent agencies can quote rates for a wide range of companies.
- Compare the new rate quotes to your existing policy and determine if there is any savings. If you find a better price, make sure coverage is continuous and does not lapse.
One bit of advice is to use identical limits and deductibles on every price quote and and to analyze as many different insurance providers as possible. This helps ensure an accurate price comparison and many rates to choose from.
When shopping for affordable Boston car insurance quotes, there are a couple of ways of comparing rate quotes from different companies. The simplest method to compare rates consists of shopping online.
It’s so easy to compare rates online that it makes it obsolete to drive around to and from local Boston insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a complicated situation and need the advice and guidance of a local Boston agent. Although you can comparison shop online but purchase the actual policy in an agency. Just keep in mind that having more price comparisons helps improve the odds of finding lower pricing.
The companies in the list below can provide price quotes in Massachusetts. If you want the best cheap car insurance in Boston, we suggest you visit two to three different companies to get the best price comparison.
Rates and other information
The coverage table below outlines different insurance rates for Nissan Altima models. Being able to understand how rate quotes are figured can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $320 | $638 | $452 | $26 | $136 | $1,572 | $131 |
| Altima 2.5 S 4-Dr Sedan | $320 | $752 | $452 | $26 | $136 | $1,686 | $141 |
| Altima Hybrid 4-Dr Sedan | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Altima 2.5 S 2-Dr Coupe | $360 | $752 | $510 | $30 | $152 | $1,804 | $150 |
| Altima 3.5 SR 4-Dr Sedan | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Altima 3.5 SR 2-Dr Coupe | $360 | $866 | $510 | $30 | $152 | $1,918 | $160 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in Boston location which can increase or decrease coverage prices noticeably.
Policy deductible comparison
One of the more difficult decisions when buying insurance is how high should your deductibles be. The tables below can help show the price difference between low and high comp and collision deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Altima 2.5 S 4-Dr Sedan | $288 | $612 | $334 | $20 | $100 | $1,379 | $115 |
| Altima Hybrid 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Altima 2.5 S 2-Dr Coupe | $324 | $612 | $378 | $22 | $114 | $1,475 | $123 |
| Altima 3.5 SR 4-Dr Sedan | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Altima 3.5 SR 2-Dr Coupe | $324 | $704 | $378 | $22 | $114 | $1,567 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $210 | $350 | $334 | $20 | $100 | $1,014 | $85 |
| Altima 2.5 S 4-Dr Sedan | $210 | $414 | $334 | $20 | $100 | $1,078 | $90 |
| Altima Hybrid 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Altima 2.5 S 2-Dr Coupe | $236 | $414 | $378 | $22 | $114 | $1,164 | $97 |
| Altima 3.5 SR 4-Dr Sedan | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Altima 3.5 SR 2-Dr Coupe | $236 | $476 | $378 | $22 | $114 | $1,226 | $102 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific garaging location which can change coverage rates greatly.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $26 more each month or $312 every year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 15 months between claim filings, you would come out ahead going with the higher deductible.
These discounts can reduce Nissan Altima insurance rates
Companies don’t always list every discount very well, so the next list breaks down some of the best known as well as some of the hidden credits that you can use to lower your rates. If you do not double check each discount you deserve, you are just wasting money.
- Military Deployment Discount – Being on active duty in the military could be rewarded with lower premium rates.
- Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
- No Claim Discounts – Drivers who don’t have accidents pay much less when compared to bad drivers.
- Driver Training Discounts – Completing a course that instructs on driving safety could save 5% or more and make you a better driver.
- Distant Student – Older children who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.
- Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
As a footnote on discounts, some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, nobody gets a free ride.
The illustration below shows the comparison of Nissan Altima insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no violations or accidents, Massachusetts 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 claim-free, marriage, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
A list of auto insurance companies and their possible discounts are shown below.
- Farmers Insurance offers premium reductions for teen driver, homeowner, early shopping, switch companies, and distant student.
- Esurance may offer discounts for claim free, defensive driver, paid-in-full, online shopper, DriveSense, multi-policy, and homeowner.
- State Farm has savings for multiple autos, safe vehicle, accident-free, good driver, driver’s education, and passive restraint.
- GEICO discounts include defensive driver, emergency military deployment, good student, driver training, federal employee, membership and employees, and seat belt use.
- Allstate policyholders can earn discounts including auto/life discount, new car, safe driver, utility vehicle, passive restraint, and EZ pay plan discount.
Double check with every insurance company how many discounts you can get. Some discounts listed above might not be offered on policies in Boston.
Car insurance is not optional
Despite the high cost, paying for car insurance serves an important purpose.
First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability coverage in order to drive the car. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your Altima, almost all lenders will stipulate that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Nissan for a lot more money and require you to pay the higher price.
Third, car insurance protects both your car and your assets. Insurance will also pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses in the event you are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.
The benefits of buying enough insurance greatly outweigh the cost, especially with large liability claims. Today the average American driver is overpaying over $865 each year so compare rate quotes every year to help ensure money is not being wasted.
Local agents and car insurance
A small number of people still like to talk to an insurance agent and that can be a smart move One of the benefits of getting online price quotes is the fact that you can find the best rates and still have an agent to talk to. Supporting neighborhood insurance agencies is especially important in Boston.
Upon completion of this simple form, your information is transmitted to local insurance agents who will return price quotes and help you find cheaper coverage. You don’t have to search for any insurance agencies since rate quotes are delivered instantly to you. You can find the lowest rates and a licensed agent to talk to. In the event you want to compare rates from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
Choosing the best insurance company requires you to look at more than just a cheap price quote. These are some questions your agent should answer.
- How are they compensated?
- If you raise deductibles, how much can you save?
- What insurance company do they write the most business with?
- Will the agent help in case of a claim?
- When do they do policy reviews?
- Do they feel the quoted coverages are adequate?
- Will the quote change when the policy is issued?
After getting good feedback to all your questions in addition to an acceptable price estimate, it’s a good possibility that you have found an insurance company that is reliable enough to provide car insurance coverage.