It takes a little time, but the best way to find cheaper Nissan Altima insurance in Tampa is to start comparing rates regularly from providers who provide auto insurance in Florida. Rates can be compared by completing these steps.
- First, get an understanding of how your policy works and the measures you can take to keep rates down. Many risk factors that result in higher rates such as at-fault accidents, careless driving, and poor credit can be improved by improving your driving habits or financial responsibility. Keep reading for the details to get better rates and find possible discounts that are available.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes from multiple sources.
- Third, compare the new rates to your existing rates to see if cheaper Altima coverage is available. If you can save money and buy the policy, ensure coverage does not lapse between policies.
- Fourth, give proper notification to your current agent or company to cancel your current car insurance policy and submit the application along with any required down payment to the new insurer. Immediately keep the new certificate of insurance somewhere easily accessible.
A crucial key to this process is to use identical deductibles and limits on every quote request and and to analyze as many different insurance providers as possible. Doing this enables an accurate price comparison and the best price selection.
Astonishing but true according to a recent study, the vast majority of insurance customers renewed their policy with the same company for more than four years, and approximately 40% of consumers have never compared rates to find affordable insurance. Many drivers in Florida could save an average of 55% each year by just comparing quotes, but they don’t believe the rate savings if they changed companies.
The quickest method to compare policy rates for Nissan Altima insurance in Tampa takes advantage of the fact almost all companies pay for the opportunity to compare their rates. All you need to do is provide a small amount of information including the year, make and model of vehicles, distance driven, if a SR-22 is needed, and whether you have decent credit. Your insurance information is sent automatically to insurance carriers in your area and they return rate quotes very quickly.
To compare rates for your car now, click here and complete the quick form.
The providers in the list below provide free rate quotes in Florida. If multiple companies are listed, we recommend you visit several of them in order to find the most competitive rates.
Why you need insurance for your vehicle
Despite the fact that auto insurance is not cheap in Tampa, insurance serves an important purpose.
- Almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability if you drive a vehicle. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan Altima has a loan, almost all lenders will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Nissan at a significantly higher premium and require you to fork over the higher price.
- Insurance protects your vehicle and your assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. The average driver in America is overpaying over $800 each year so compare rate quotes at every policy renewal to make sure the price is not too high.
Auto insurance statistics and figures
The price information shown below highlights estimates of insurance rates for Nissan Altima models. Learning more about how insurance policy premiums are calculated can be valuable when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $358 | $648 | $418 | $24 | $124 | $1,572 | $131 |
| Altima 2.5 S 4-Dr Sedan | $358 | $764 | $418 | $24 | $124 | $1,688 | $141 |
| Altima Hybrid 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,736 | $145 |
| Altima 2.5 S 2-Dr Coupe | $406 | $764 | $472 | $28 | $142 | $1,812 | $151 |
| Altima 3.5 SR 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,736 | $145 |
| Altima 3.5 SR 2-Dr Coupe | $406 | $880 | $472 | $28 | $142 | $1,928 | $161 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates noticeably.
Policy deductible comparison
When shopping for auto insurance, a common question is which comprehensive and collision deductibles to buy. The premium rates below can help show the rate differences between high and low physical damage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Altima 2.5 S 4-Dr Sedan | $358 | $764 | $418 | $24 | $124 | $1,713 | $143 |
| Altima Hybrid 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Altima 2.5 S 2-Dr Coupe | $406 | $764 | $472 | $28 | $142 | $1,837 | $153 |
| Altima 3.5 SR 4-Dr Sedan | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Altima 3.5 SR 2-Dr Coupe | $406 | $880 | $472 | $28 | $142 | $1,953 | $163 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Altima 2.5 S 4-Dr Sedan | $200 | $402 | $418 | $24 | $124 | $1,168 | $97 |
| Altima Hybrid 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Altima 2.5 S 2-Dr Coupe | $224 | $402 | $472 | $28 | $142 | $1,268 | $106 |
| Altima 3.5 SR 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Altima 3.5 SR 2-Dr Coupe | $224 | $464 | $472 | $28 | $142 | $1,330 | $111 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in your specific Tampa location which can lower or raise coverage rates greatly.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $47 more each month or $564 each year across all Nissan Altima models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 19 months between claim filings, you would come out ahead if you choose a higher deductible.
Insurance premiums for males and females
The information below illustrates the difference between Nissan Altima premium costs for male and female drivers. The prices are based on no violations or claims, full physical damage coverage, $1,000 deductibles, single status, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The information below visualizes the comparison of Nissan Altima auto insurance rates with and without full coverage. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.
Are you wasting money on full coverage?
There is no exact rule to eliminate full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Nissan Altima claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying the physical damage deductible. If premium cost is more than $200 annually for full coverage, then it may be the right time to buy liability only.
There are some cases where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Earn discounts to get lower-cost Tampa insurance quotes
Buying insurance is not cheap, but discounts can save money and there are some available that you may not know about. Many of these discounts will be applied automatically when you complete an application, but some need to be requested specifically in order for you to get them. If you’re not getting every credit available, you are just wasting money.
- Driver Safety – Taking time to complete a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
- New Vehicle Savings – Buying a new car instead of a used Altima can save up to 30% because new model year vehicles have to meet stringent safety requirements.
- Good Student – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
- Senior Citizen Rates – Mature drivers may receive lower premium rates.
- E-sign Discounts – A few larger companies will discount your bill up to fifty bucks for completing your application online.
Just know that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you could get a free insurance policy, it doesn’t quite work that way.
The information below visualizes the comparison of Nissan Altima yearly insurance costs with and without discounts applied to the rates. The prices are based on a female driver, no accidents or driving violations, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.
For a list of providers that can offer you the previously mentioned discounts in Tampa, click here to view.
Independent or exclusive auto insurance agents
Many people still prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Most agents are highly skilled in risk management and will help you if you have claims. A good thing about price shopping on the web is you can get cheaper prices and still have a local agent. Buying from local agents is definitely important in Tampa.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is submitted to agents in your area who will give you quotes and help you find cheaper coverage. You never need to search for an agent due to the fact that quote results will go to you directly. If for some reason you want to get a rate quote from a specific car insurance provider, you just need to jump over to their website to submit a rate quote request.
Do you need an independent or exclusive car insurance agent?
If you are wanting to find a good Tampa insurance agent, you should know the types of agencies and how they operate. Car insurance agencies are either independent agents or exclusive agents. Both can write car insurance policies, but it’s good to learn why they differ because it can factor into the type of agent you choose.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel are not locked into one company and that enables them to quote your coverage with lots of companies and get you the best rates possible. If they quote lower rates, they simply switch companies in-house and you won’t have to switch agencies. If you need lower rates, we recommend you include independent agents to ensure the widest selection of prices. Most also have access to smaller regional carriers that may have much lower rates than larger companies.
Featured below are Tampa independent insurance agencies that can possibly get you free car insurance rate quotes.
- American Landmark Insurance
4229 W Kennedy Blvd – Tampa, FL 33609 – (813) 289-2277 – View Map - Colucci Insurance
1441 E Fletcher Ave – Tampa, FL 33612 – (813) 972-1947 – View Map - GreatFlorida Insurance – Mike Polivchak
3928 W Hillsborough Ave – Tampa, FL 33614 – (813) 870-2334 – View Map
Exclusive Car Insurance Agents
Exclusive agents generally can only insure with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are well schooled on sales techniques and that can be a competitive advantage. Drivers often purchase coverage from exclusives mainly due to the brand name instead of buying on price only.
The following are exclusive agents in Tampa that are able to give price quote information.
- State Farm: Stan White
3204 Cove Bend Dr – Tampa, FL 33613 – (813) 971-1123 – View Map - Doug MacDaid – State Farm Insurance Agent
8910 N Dale Mabry Hwy #3 – Tampa, FL 33614 – (813) 935-2937 – View Map - State Farm: Jimmy Fisher
6920 E Fowler Ave – Tampa, FL 33617 – (813) 989-2037 – View Map
Finding the right insurance agency should include more criteria than just the quoted price. Get answers to these questions too.
- Do they see any coverage gaps in your plan?
- Is there a 24/7 contact number?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is the quote a firm price?
- Is every driver in your family covered?
Cheap rates are available
As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.
We just presented a lot of tips how to reduce Nissan Altima insurance car insurance rates online in Tampa. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Tampa car insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a smaller regional carrier.
Budget-friendly insurance in Tampa can be purchased both online and from local agencies, so get free Tampa car insurance quotes from both of them in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these smaller companies only sell coverage through local independent agencies.
For more information, feel free to visit these articles:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has the Cheapest Tampa Auto Insurance for College Graduates? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Tampa? (FAQ)
- Who Has Cheap Tampa Car Insurance for Electric Cars? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Tampa? (FAQ)
- How Much is Car Insurance for Felons in Tampa? (FAQ)
- How Much are Tampa Auto Insurance Rates for a GMC Sierra? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- How Much Auto Coverage do I Need? (Insurance Information Institute)