Finding the cheapest auto insurance for a Nissan Altima in Oregon can be really easy, but it depends on a large number of rating criteria such as how safe your vehicle is, whether or not you garage your vehicle, and your motor vehicle report. Oregon drivers will pay around $1,009 each year for Altima insurance, but that amount is an estimation based upon a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high likelihood that you are not 30 years old and maybe not even female, maybe you are married instead of single, and you may just want the cheapest liability coverage you can find. There is no perfect policy for every driver, so the way we recommend to find the cheapest coverage for your Nissan is to do your own rate comparisons.
The specific model of Altima tends to have a direct effect on the coverage cost, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $210 less expensive the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$170||$322||$432||$26||$130||$1,080||$90|
|Altima 2.5 S 4-Dr Sedan||$170||$380||$432||$26||$130||$1,138||$95|
|Altima Hybrid 4-Dr Sedan||$192||$380||$432||$26||$130||$1,160||$97|
|Altima 2.5 S 2-Dr Coupe||$192||$380||$488||$28||$146||$1,234||$103|
|Altima 3.5 SR 4-Dr Sedan||$192||$380||$432||$26||$130||$1,160||$97|
|Altima 3.5 SR 2-Dr Coupe||$192||$436||$488||$28||$146||$1,290||$108|
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in garaging location in Portland which can raise or lower insurance rates noticeably.
Establishing which companies quote the cheapest insurance rates for a Nissan Altima involves a little more sweat than just quoting one company’s rates. Each auto insurer has a different process to set policy rates, so we’ll go over the lowest cost insurance companies in Portland.
Find the Best Cheap Insurance for Your Altima
|Rank||Company||Cost Per Year|
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Grange quotes some of the best car insurance rates in Portland at around $708 annually. Oregon Mutual, Country, Travelers, and USAA also are some of the most economical Portland, OR car insurance companies.
As shown in the table above, if you have coverage with Country and switched to Grange, you might achieve yearly savings of about $139. Customers with Travelers might save as much as $206 a year, and USAA insureds might cut rates by $242 a year.
Remember that these premium estimates are averages for all insureds and vehicles and do not factor in an exact zip code location for a Nissan Altima. So the car insurance company that can offer you the best price may not even be in the list above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.
Discount Portland insurance
Auto insurance companies that offer cheap quotes for a Nissan Altima may also provide price discounts that may potentially lower prices by as much as 35% or more if you are eligible for them. A few of the larger companies and a selection of discounts can be read below.
- State Farm policyholders can earn discounts including safe vehicle, good driver, multiple policy, accident-free, and multiple autos.
- Progressive offers discounts for online quote discount, continuous coverage, multi-policy, good student, homeowner, and multi-vehicle.
- Travelers offers premium reductions for payment discounts, new car, continuous insurance, save driver, multi-car, and student away at school.
- American Family may have discounts that include accident-free, multi-vehicle, early bird, defensive driver, good driver, Steer into Savings, and mySafetyValet.
- Liberty Mutual may include discounts for new vehicle discount, exclusive group savings, hybrid vehicle, preferred payment discount, multi-policy, new graduate, and new move discount.
The chart below compares insurance rates with and without discounts applied to the premium. The costs are based on a male driver, no violations or accidents, Oregon state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, marriage, defensive driving course, accident-free, claim-free, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Nissan Altima is 28% or $534.
Don’t make the mistake of not shopping around
Portland insurance rates are based on many factors which can substantially change the policy price. Simply improving your credit, getting married, or getting a DUI can trigger rate changes resulting in some companies being cheaper than competitors.
In addition to those changes, auto insurance companies modify rates without warning to reflect underwriting profits or losses. Heavier than normal losses may result in high rates, while better underwriting can result in lower-cost Altima insurance rates.
For instance, the bar chart below shows the companies that have the cheapest car insurance in Portland, OR for a 45-year-old female driver with a clear driving record, no claims, and great credit. When comparing rates based on her current rating profile, Grange may offer the best car insurance rates in Portland at $935 annually. This is $543 less than the average policy premium paid by Oregon drivers of $1,478. Oregon Mutual, Country, USAA, and Travelers round out the rest of the most affordable Portland, OR auto insurance companies.
Now we will pretend the driver from the first set of rates some claims, a lower credit rating, and a stop sign violation. Due to the fact that each insurance company has a different process for setting prices, getting updated rate quotes could result in a slightly different list of affordable Portland car insurance companies as shown below.
Oregon Mutual now has the lowest price on auto insurance in Portland with GEICO, Country, Amica, and California Casualty also having competitive pricing. This demonstrates why it is critical to shop around to find the lowest car insurance quotes for a Nissan Altima. Insurance rates can be determined by many things and change dramatically, so the cheapest rate three years ago may now be one of the more expensive options.
How to find more affordable car insurance for a Nissan Altima
The list below details some of the better penny-pinching suggestions that can help Oregon drivers buy lower-cost auto insurance.
- Drive safe vehicles
- Be a safe driver
- Prevent rate increases by staying accident-free
- Increase the comprehensive and collision deductibles on your policy
- Higher credit ratings may save you money
- Shop around for cheaper prices
That last tip is highly important, as was pointed out in the article above. Prices charged by companies change frequently, so drivers shouldn’t be reluctant to change to a new company if a better deal can be had. We understand brand loyalty, but it’s not a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. In just a couple of minutes you could shop around and find cheaper insurance for a Nissan Altima in Portland.
The Portland car insurance agencies listed below can most likely help you determine which auto insurance coverages would be the best in your situation, since some drivers wish to have a professional recommendation when buying car insurance for an Altima. It can be time-consuming to find coverage yourself, so a licensed agent can give satisfaction knowing your policy gives you adequate protection.
To find an agent nearest to you, click the button following the list or click here to compare price quotes.
Metro One Insurance Agency
3423 S Telegraph Rd, Dearborn, MI 48124 – Dearborn, OR 48124 – (313) 456-9455
Lidia Mazun – State Farm Insurance Agent
11916 SE Division St – Portland, OR 97266 – (503) 761-1444
Steve Ching – State Farm Insurance Agent
1018 NW 13th Ave – Portland, OR 97209 – (503) 222-7771