Are you looking for the cheapest Nissan Altima insurance in St. Louis? Buying lower-cost St. Louis Nissan Altima insurance quotes may be overwhelming for beginners to online price comparisons. With so many online companies available, how are consumers expected to have the ability to compare each option to find cheaper auto insurance prices?
Unbelievably, the vast majority of consumers have stayed with the same insurance company for at least four years, and about 40% of consumers have never compared rate quotes at all. Consumers in St. Louis could pocket 25% a year just by comparing rates, but they don't know how much money they would save if they just switched companies.
Smart consumers take time to price shop coverage as often as possible because auto insurance rates are adjusted regularly by insurance companies. Just because you found the lowest premium rates on Nissan Altima insurance in St. Louis six months ago the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you're going to get a crash course in the right way to remove unneeded coverages and save money.
Locating the best insurance company for you in St. Louis is really not that difficult. In a nutshell, anyone who is required by state law to have insurance will more than likely be able to lower their premiums. Although Missouri drivers do need to understand the methods companies use to price online insurance because it can help you find the best coverage.
Companies offering affordable Nissan Altima rate quotes in St. Louis, MO
The following companies are our best choices to provide price comparisons in St. Louis, MO. If the list has multiple companies, we recommend you get rate 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||$142||$268||$360||$22||$108||$900||$75|
|Altima 2.5 S 4-Dr Sedan||$198||$502||$302||$18||$90||$1,110||$93|
|Altima Hybrid 4-Dr Sedan||$200||$404||$250||$14||$74||$942||$79|
|Altima 2.5 S 2-Dr Coupe||$160||$316||$406||$24||$122||$1,028||$86|
|Altima 3.5 SR 4-Dr Sedan||$250||$478||$272||$16||$82||$1,098||$92|
|Altima 3.5 SR 2-Dr Coupe||$222||$578||$340||$20||$102||$1,262||$105|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can affect rates noticeably.
Auto insurance deductibles
The chart below illustrates how choosing a deductible and can affect Nissan Altima insurance premiums for each different age category. The data is based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Auto insurance discounts are available to get cheap rates
Companies don't always advertise the complete list of policy discounts very clearly, so the following list contains a few of the more common and also the lesser-known discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are just wasting money.
- Senior Citizen Rates - Drivers over the age of 55 may qualify for a slight reduction on a St. Louis auto insurance quote.
- Bundle and Save - If you insure your home and vehicles with the same company you will save up to 20% and get you the cheapest Nissan Altima insurance in St. Louis.
- Good Drivers - Safe drivers can get discounts for up to 45% lower rates compared to accident prone drivers.
- Good Grades Discount - 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.
- Homeowners Savings - Owning a house in St. Louis may trigger a policy discount on auto insurance because it is proof of financial responsibility.
- Sign Early and Save - Some auto insurance companies provide a discount for switching companies before your current coverage expires. It's a savings of about 10%.
- Onboard Data Collection - St. Louis drivers who agree to allow data collection to track where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
- Student Discount for Driver Training - Have your child enroll in driver's education in school or through a local driver safety program.
- Memberships - Joining qualifying clubs or civic groups can get you a small discount on your policy.
As a sidenote, many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, you aren't that lucky.
The best auto insurance companies and their offered discounts can be found below.
- 21st Century may have discounts that include early bird, driver training, air bags, homeowners, anti-lock brakes, and teen driver.
- State Farm may include discounts for Steer Clear safe driver discount, accident-free, good student, multiple autos, and good driver.
- AAA has savings for good driver, AAA membership discount, multi-car, good student, pay-in-full, and anti-theft.
- Liberty Mutual offers discounts for newly married, new vehicle discount, hybrid vehicle, newly retired, new graduate, new move discount, and teen driver discount.
- Progressive includes discounts for continuous coverage, online signing, online quote discount, multi-vehicle, and good student.
When quoting, ask all the companies what discounts are available to you. A few discounts might not be available to policyholders everywhere. To locate companies who offer auto insurance discounts in St. Louis, click this link.
Reduce Insurance Rates with These Tips
Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. When you understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Lots of factors are part of the equation when quoting car insurance. Most are fairly basic like an MVR report, but other factors are less apparent like where you live or how safe your car is.
The itemized list below are a few of the things used by companies to determine prices.
Safety ratings are a factor - Vehicles with good safety scores get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Nissan Altima has at least four stars on Safercar.gov or an "acceptable" rating on iihs.org it may cost less to insure.
Pay more if you have a long commute - Living in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. People in densely populated areas have to deal with more traffic problems and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates and also fewer theft and vandalism claims.
Infrequent drivers can save - The higher the miles on your Nissan annually the more you will pay for auto insurance. Almost all companies charge to insure your cars partially by how you use the vehicle. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. Having an incorrect usage rating on your Altima can cost quite a bit. It's a smart idea to ensure your vehicle rating states how each vehicle is driven.
Frequent auto insurance claims will cost you more - Car insurance companies in Missouri provide lower rates to drivers who file claims infrequently. If you file a lot of claims you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for the large, substantial claims.
Raising comp and collision deductibles lowers prices - The deductibles you choose state the amount of money the insured will be required to pay before a claim is paid by your company. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more money you are required to pay out-of-pocket, the lower your rates will be.
Small coverages can add up - There are a ton of extra coverages that you can buy if you don't pay attention. Things like roadside assistance, death and dismemberment, and extra life insurance coverage may not be needed and are just wasting money. They may sound like good ideas when you first buy your policy, but if you've never needed them in the past consider taking them off your policy.
Your job and auto insurance rates - Jobs such as fire fighters, executives and miners generally pay higher premiums than the average policyholder because of job stress and lots of time spent at work. On the flip side, occupations such as scientists, students and performers get better rates.
Nissan Altima insurance loss data - Car insurance companies include the past claim trends for vehicles as a way to help calculate a profitable premium price. Vehicles that tend to have higher prevalence or dollar amount of losses will have increased rates.
The data below shows the historical loss data for Nissan Altima vehicles. For each type of coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are 100 or less represent a good loss history, while numbers above 100 indicate more frequent claims or larger claims.
Insurance Loss Ratings for Nissan Altima Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Will just any policy work for me?
When it comes to choosing your policy for your personal vehicles, there really isn't a one-size-fits-all type of policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you might need professional guidance.
- I have a DUI can I still get coverage?
- Why does it cost so much to insure a teen driver in St. Louis?
- Do I need PIP (personal injury protection) coverage in Missouri?
- What is motorclub and do I need it?
- Am I covered if my car is in a flood?
- Is pleasure use cheaper than using my Nissan Altima to commute?
If you're not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
You may require the services of a local insurance agent
A small number of people still prefer to get advice from a local agent and there is nothing wrong with that. The best thing about getting free rate quotes online is the fact that drivers can get the best rates and still choose a local agent.
To help locate an agent, after submitting this quick form, your insurance data is immediately sent to local insurance agents in St. Louis who will gladly provide quotes for your insurance coverage. There is no need to leave your house since rate quotes are delivered to you. You can get cheaper auto insurance rates and work with a local agent. If you wish to quote rates from a specific auto insurance provider, don't hesitate to go to their quote page and fill out their quote form.
Deciding on an company is decision based upon more than just the premium amount. Any agent in St. Louis should have no problem answering these questions:
- If independent agents, which companies do they recommend?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they regularly work with personal auto policies in St. Louis?
- Is every driver in your family covered?
- Will a damage claim use OEM or aftermarket replacement parts?
- What company do they have the most business with?
The difference between St. Louis auto insurance agents
If you're trying to find a reputable insurance agent or broker, there are a couple of different types of agencies to choose from. Agents can be categorized as either independent (non-exclusive) or exclusive.
These agents can only provide one company's prices like Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company's rates so you might not find the best rates. Exclusive insurance agents are well trained on sales techniques which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mainly due to the brand legacy instead of buying on price only.
Shown below are exclusive insurance agencies in St. Louis willing to provide price quotes.
- Billy Hall - State Farm Insurance Agent
4424 Woodson Rd - St. Louis, MO 63134 - (314) 428-4255 - View Map
- Ralph Graves - State Farm Insurance Agent
10438 W Florissant - St. Louis, MO 63136 - (314) 388-0330 - View Map
- Lacey Mitchell - State Farm Insurance Agent
326 N Euclid Ave #2n - St. Louis, MO 63108 - (314) 899-0633 - View Map
Independent Auto Insurance Agents
Agents that elect to be independent can quote rates with many companies so they can write business through many different auto insurance companies and get the cheapest rates. If you want to switch companies, the business is moved internally and you won't have to switch agencies. If you need lower rates, you will definitely want to get quotes from multiple independent agents to get the most accurate price comparison. They often place coverage with different regional companies that may have much lower rates than larger companies.
Listed below is a short list of independent insurance agents in St. Louis that are able to give price quote information.
- Alexander Insurance Agency
821 Madison St - St Charles, MO 63301 - (636) 949-9525 - View Map
- Travers Insurance Agency
20 Allen Ave, Ste 310 - St. Louis, MO 63119 - (314) 962-2922 - View Map
- Crawford-Butz Insurance
9700 MacKenzie Rd #120 - St. Louis, MO 63123 - (314) 752-2500 - View Map
Once you have answers to your satisfaction and a good coverage price, chances are good that you have found an insurance agency that can be trusted to properly service your auto insurance policy. But keep in mind you are entitled to cancel your policy whenever you wish so don't think you are locked into any particular company for a certain time period.
Get the best coverage at the most affordable price
We just showed you many ways to compare Nissan Altima insurance prices in St. Louis. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on insurance is with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed physical damage coverage only to find out that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Additional information can be found at these links:
- Determing Auto Insurance Rates (GEICO)
- What is the Best Auto Insurance in Wildwood, MO? (FAQ)
- What is the Cheapest Car Insurance in University City, Missouri? (FAQ)
- Who Has the Cheapest Missouri Auto Insurance Rates for a Nissan Rogue? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Escape in Missouri? (FAQ)
- Liability Insurance Coverage (Nationwide)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Avoiding Deer Collisions (Insurance Information Institute)