Want to learn how to find cheaper auto insurance rates in Los Angeles, CA? Los Angeles drivers have options when trying to find the best price on Nissan Altima insurance. They can either spend hours calling around trying to get quotes or leverage the internet to compare rates. There is a better way to buy auto insurance and you need to know the proper way to get price quotes on a Nissan and get the lowest price from Los Angeles insurance agents and online providers.
These six discounts can reduce Nissan Altima insurance rates
Car insurance can cost a lot, but there are discounts available that many people don't even know exist. Most are applied when you purchase, but lesser-known reductions have to be inquired about prior to receiving the credit.
- New Vehicle Savings - Buying a new car instead of a used Altima can cost up to 25% less since newer vehicles have better safety ratings.
- Student Discounts - Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students well after school through age 25.
- Auto/Life Discount - Larger companies have lower premium rates if you buy a life policy as well.
- Multi-policy Discount - If you combine your homeowners and auto policies with one insurance company you may save as much as 10 to 15 percent.
- Mature Driver Discount - Mature drivers can get a small discount on rates.
- Air Bag Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts as much as 30%.
Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you're out of luck.
Some of the insurance companies that possibly offer most of these discounts include:
Double check with all companies you are considering how you can save money. Some discounts may not apply everywhere. To see a list of providers with discount auto insurance rates in Los Angeles, click this link.
The majority of larger companies allow you to get insurance quotes online. The process is quite simple because it's just a matter of typing in the coverage amounts you desire as requested by the quote form. After the form is submitted, the company's rating system makes automated requests for credit information and your driving record and provides a quote based on these factors.
Getting online price quotes for Nissan Altima insurance in Los Angeles simplifies rate comparisons, and it's necessary to perform this step in order to get the most affordable premium on car insurance.
To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you replicate the coverages identical to your current policy. This guarantees you will have a price comparison based on similar coverages.
The companies shown below offer free rate quotes in California. In order to find the best cheap car insurance in California, we suggest you visit two to three different companies to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$262||$478||$416||$24||$124||$1,304||$109|
|Altima 2.5 S 4-Dr Sedan||$342||$678||$442||$26||$132||$1,620||$135|
|Altima Hybrid 4-Dr Sedan||$412||$914||$574||$34||$172||$2,106||$176|
|Altima 2.5 S 2-Dr Coupe||$440||$678||$654||$38||$196||$2,006||$167|
|Altima 3.5 SR 4-Dr Sedan||$270||$536||$464||$28||$138||$1,436||$120|
|Altima 3.5 SR 2-Dr Coupe||$332||$764||$524||$32||$156||$1,808||$151|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific garaging location which can lower or raise coverage rates significantly.
Comparison of car insurance rates by age and gender in Los Angeles
The example below illustrates the difference between Nissan Altima annual premium costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are factored in.
Local Los Angeles car insurance agents
A small number of people still prefer to get advice from a local agent and doing that can be a smart decision Most agents can make sure you are properly covered and help you file claims. An additional benefit of comparing insurance prices online is that you can obtain cheap insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your information is instantly submitted to companies in Los Angeles who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won't have to contact any insurance agencies as quotes are delivered to your email. In the event you want to get a price quote from a specific company, don't hesitate to go to their quote page and complete a quote there.
Finding a good provider needs to be determined by more than just a cheap price. Get answers to these questions too.
- Do they have cheaper tiers of coverage?
- Is the quote a firm price?
- Which insurance companies are they affiliated with?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Does the company allow you to choose your own collision repair facility?
- Do they have 24-hour customer assistance?
- What discounts might you be missing?
Not all auto insurance agents are the same
When searching for a reliable insurance agency, you should know the different agency structures and how they can quote your rates. Insurance policy providers are either independent (non-exclusive) or exclusive. Either one can write insurance policies, but it's good to learn the difference between them because it can impact the type of agent you choose.
Exclusive Insurance Agents
Agents in the exclusive channel can usually just insure with one company and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price. Drivers often purchase coverage from exclusives mainly due to loyalty to the company and strong financial ratings.
The following is a short list of exclusive insurance agents in Los Angeles willing to provide price quote information.
- Allstate Insurance: David Bang
1145 S Western Ave - Los Angeles, CA 90006 - (323) 733-6680 - View Map
- Mirzakhanyan Insurance Agency Inc. - State Farm
7113 1/2 Sunset Boulevard - Los Angeles, CA 90046 - (323) 303-3728 - View Map
- Grace Jun - State Farm Insurance Agent
2426 W 8th St #218 - Los Angeles, CA 90057 - (213) 388-4955 - View Map
Independent Agencies or Brokers
Independent agencies are appointed with more than one company so they can write business amongst many companies and find the cheapest rate. If they quote lower rates, your agent can switch companies and you don't have to find a new agent. When comparing insurance prices, it's a good idea to include a couple of independent agencies to have the best price comparison. Many can place coverage with smaller mutual companies that may provide cheaper insurance rates.
The following are Los Angeles independent agencies that are able to give price quote information.
- Choice Insurance Agency
1601 S La Brea Ave - Los Angeles, CA 90019 - (323) 933-9888 - View Map
- Malcom Brown Insurance Agency
2861 Robertson Blvd - Los Angeles, CA 90034 - (310) 280-0946 - View Map
- True Rate Insurance
2820 S Vermont Ave #1 - Los Angeles, CA 90007 - (323) 735-1600 - View Map
Insurance does more than just repair your car
Even though it's not necessarily cheap to insure a Nissan in Los Angeles, insuring your vehicle serves several important purposes.
- The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Nissan Altima, more than likely the lender will force you to buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Nissan at an extremely high rate and require you to pay for the expensive policy.
- Insurance preserves both your Nissan Altima and your assets. It will also cover many types of medical costs that are the result of an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to repair the damage.
The benefits of having insurance outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $800 each year so shop around at least once a year to ensure rates are inline.
Car insurance coverage specifics
Learning about specific coverages of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.
Auto liability insurance
This coverage can cover damage or injury you incur to other's property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/5 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.
Liability insurance covers claims like pain and suffering, structural damage, loss of income, legal defense fees and court costs. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying higher limits.
Coverage for collisions
Collision coverage pays for damage to your Altima resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as backing into a parked car, driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Altima to bring the cost down.
Medical expense insurance
Med pay and PIP coverage reimburse you for immediate expenses for funeral costs, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Altima.
Because many people only carry the minimum required liability limits (15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
You can find cheaper coverage
Budget-conscious Nissan Altima insurance can be sourced from both online companies as well as from independent agents in Los Angeles, so get free Los Angeles auto insurance quotes from both of them to have the best selection. There are still a few companies who do not offer online price quotes and these small, regional companies only sell coverage through independent agents.
You just read a lot of tips how to compare Nissan Altima insurance auto insurance rates in Los Angeles. The key thing to remember is the more rate quotes you have, the better likelihood of getting affordable Nissan Altima insurance quotes. You may even find the biggest savings come from some of the lesser-known companies.
Insureds switch companies for any number of reasons including denial of a claim, questionable increases in premium, high rates after DUI convictions and even lack of trust in their agent. Regardless of your reason for switching companies, switching car insurance companies can be easy and end up saving you some money.
For more information, take a look at the resources below:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- What Auto Insurance is Cheapest for Ride Shares in California? (FAQ)
- Who Has Cheap California Auto Insurance Rates for Drivers with Accidents? (FAQ)
- What is the Cheapest Car Insurance in Fremont, California? (FAQ)
- Who Has Affordable California Car Insurance for Drivers Over Age 50? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Prom Night Tips for Teen Drivers (State Farm)
- Eight Auto Insurance Myths (Insurance Information Institute)