Inconceivable but true, over 70% of consumers have stayed with the same insurance company for well over three years, and nearly half have never even compared quotes to find affordable rates. Drivers in America can cut their rates by nearly $860 a year by just comparing rate quotes, but most just don't grasp how much money they would save if they switch to a new company.
If you want to save money, the best way to find cheaper Nissan Altima insurance in Santa Ana is to regularly compare price quotes from providers who sell insurance in California. You can compare rates by following these steps.
Step 1: Take a few minutes and learn about how insurance works and the things you can control to prevent expensive coverage. Many factors that cause high rates like multiple speeding tickets and an unfavorable credit rating can be controlled by paying attention to minor details. Read the full article for more ideas to get better rates and get additional discounts.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can provide rate quotes from multiple insurance companies. View prices
Step 3: Compare the quotes to your current policy to see if you can save by switching companies. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
Step 4: Tell your current agent or company of your decision to cancel the current policy and submit a completed application and payment for your new policy. Once received, keep your new certificate verifying proof of insurance along with the vehicle's registration papers.
One tip to remember is to use identical coverages on each quote and and to get rate quotes from as many companies as feasibly possible. This ensures a fair price comparison and and a good selection of different prices.
Buy Santa Ana Nissan Altima insurance online
Most of the larger companies like Progressive, Allstate and GEICO allow you to get prices direct online. Getting quotes for Nissan Altima insurance in Santa Ana is very simple as you just type in the coverages you want as detailed in the form. After the form is submitted, their rating system will order your driving record and credit report and generates pricing information based on these and other factors. This simplifies rate comparisons, and it's also necessary to get many rate quotes if you are searching for the most affordable premium possible.
To fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have coverage now, it's recommended you enter the limits and deductibles identical to your current policy. Using the same limits helps guarantee you will get rate comparison quotes for the exact same coverage.
The car insurance companies shown below are our best choices to provide free quotes in Santa Ana, CA. If multiple providers are shown, we recommend you visit several of them in order to get a fair rate comparison.
Save money on Nissan Altima insurance in Santa Ana with these discounts
Companies offering auto insurance don't always list all their discounts very clearly, so below is a list some of the more common as well as some of the hidden credits available to you. If they aren't giving you every credit possible, you are paying more than you should be.
- Paper-free Discount - A few larger online companies provide a small discount just for signing your application digitally online.
- Discount for Good Grades - Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
- Telematics Data - Drivers that enable driving data submission to scrutinize where and when they drive by using a telematics device in their vehicle such as Progressive's Snapshot and State Farm's In-Drive could see a rate decrease if they have good driving habits.
- Senior Citizens - Older drivers may be able to get lower premium rates.
- No Claims - Drivers who don't have accidents pay less when compared to drivers with a long claim history.
As a disclaimer on discounts, some credits don't apply to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will definitely reduce your overall bill.
The example below shows the comparison of Nissan Altima premium costs with and without discounts applied to the premium. The information is based on a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, marriage, multi-policy, and multi-car discounts applied.
To choose providers offering car insurance discounts in California, click here to view.
Coverage information
The information below highlights different insurance rates for Nissan Altima models. Learning a little about how premiums are figured is important for making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $234 | $446 | $596 | $36 | $178 | $1,490 | $124 |
| Altima 2.5 S 4-Dr Sedan | $234 | $524 | $596 | $36 | $178 | $1,568 | $131 |
| Altima Hybrid 4-Dr Sedan | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Altima 2.5 S 2-Dr Coupe | $264 | $524 | $674 | $40 | $202 | $1,704 | $142 |
| Altima 3.5 SR 4-Dr Sedan | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Altima 3.5 SR 2-Dr Coupe | $264 | $604 | $674 | $40 | $202 | $1,784 | $149 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in zip code location which can lower or raise premiums significantly.
Car insurance deductibles
One common question asked by Santa Ana drivers is the level to set your comp and collision deductibles. The premium rates below show how much more you'll pay when you buy lower versus higher policy deductibles. The first set of rates uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Altima 2.5 S 4-Dr Sedan | $342 | $678 | $442 | $26 | $132 | $1,645 | $137 |
| Altima Hybrid 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Altima 2.5 S 2-Dr Coupe | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Altima 3.5 SR 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Altima 3.5 SR 2-Dr Coupe | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Altima 2.5 S 4-Dr Sedan | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Altima Hybrid 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Altima 2.5 S 2-Dr Coupe | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Altima 3.5 SR 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Altima 3.5 SR 2-Dr Coupe | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in Santa Ana location which can lower or raise rates greatly.
We can estimate from the data above that using a $250 deductible will cost you about $35 more each month or $420 for a full year across all Nissan Altima models than quoting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 21 months between claims, you would save money if you choose a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $250 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | - $107 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Comparing quotes from local Santa Ana insurance agents
Many drivers would rather buy from a local agent. Good insurance agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of comparing insurance online is the fact that drivers can get the lowest rates and still have a local agent.
By using this simple form, your insurance coverage information is submitted to insurance agents in Santa Ana who can give free rate quotes for your coverage. You won't need to search for any insurance agencies due to the fact that quote results will go directly to your email. If you wish to get a rate quote from a specific insurance company, you can always jump over to their website and complete a quote there.
Finding the right provider requires you to look at more than just a cheap price. These questions are important to ask:
- Is their price quote a firm figure or are their hidden costs?
- Which companies can they place coverage with?
- How much will you save each year by using a higher deductible?
- Are they in the agency full-time?
- Do the coverages you're quoting properly cover your vehicle?
When finding a good Santa Ana insurance agent, it's important to understand the different agency structures and how they are distinctly different. Insurance policy providers can be classified as either exclusive agents or independent agents. Either type can handle insurance, but it is important to understand how they differ because it can influence your selection of an agent.
Exclusive Agents
These agents can only write with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are highly trained on sales techniques which helps offset the inability to provide other markets.
Below is a list of exclusive agents in Santa Ana that can give you comparison quotes.
Farmers Insurance: Wendy Munoz
2441 N Tustin Ave - Santa Ana, CA 92705 - (714) 550-1100 - View Map
Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - View Map
Farmers Insurance - Eduardo Machado
1701 N Main St Ste 180 - Santa Ana, CA 92706 - (714) 352-0700 - View Map
Independent Agents (or Brokers)
Agents that choose to be independent do not sell for just one brand so they have the ability to put coverage through many different insurance companies and find you the best rates. If they find a lower price, the agent simply finds a different carrier which requires no work on your part. If you are trying to find cheaper rates, it's recommended you compare prices from a few independent agents to ensure the widest selection of prices.
Shown below are independent insurance agencies in Santa Ana that are able to give comparison quotes.
All Century Insurance
1200 W Warner Ave B - Santa Ana, CA 92707 - (714) 902-9777 - View Map
FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835 - View Map
Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976 - View Map
It's not one size fits all
When it comes to your policy, there really is not a "perfect" insurance plan. Your needs are unique to you and a cookie cutter policy won't apply.
Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.
- Can I make deliveries for my home business?
- What exactly is covered by my policy?
- Do they offer discounts for home and auto coverage?
- Should I put collision coverage on all my vehicles?
- Can my teen driver be rated on a liability-only vehicle?
- I don't drive much so do I pay less?
- Does having multiple vehicles earn me a discount?
- Does every company file a SR-22 automatically?
- What is an umbrella policy?
If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and may give you better protection.
Why Your Insurance Rates might be higher
Part of the car insurance buying process is learning the factors that aid in calculating your premiums. If you have some idea of what impacts premium levels, this enables informed choices that could help you find lower car insurance prices.
Listed below are a few of the "ingredients" car insurance companies consider when setting prices.
- Better premiums on safer vehicles - Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies and cheaper rates on your policy.
- Save money by having multiple policies - Most larger insurers will give discounts to insureds that purchase more than one policy in the form of a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you still need to check prices from other companies to guarantee you are still saving the most. Consumers may save more without the discount by buying insurance from more than one company.
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Tickets inflate costs - Just one speeding ticket can bump up the cost to the point where it's not affordable. Drivers with clean records receive lower rates than bad drivers. Drivers who have gotten serious tickets such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to prevent their license from being revoked.
The chart below demonstrates how speeding tickets and at-fault collisions raise Nissan Altima yearly insurance costs for each different age group. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
- Vocation and insurance premiums - Careers such as real estate brokers, air traffic controllers, and dentists tend to pay higher rates than the rest of us because of intense work-related stress and long work days. On the flip side, careers like professors, athletes and homemakers get better rates.
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Loss probability for a Nissan Altima - Insurance companies study historical loss data as a way to help calculate a profitable premium price. Models that have increased claim numbers or amounts will have a higher premium rate. The table below outlines the historical insurance loss data for Nissan Altima vehicles.
For each policy coverage type, the claim amount for all vehicles compiled together is represented as 100. Numbers below 100 suggest a positive loss record, while percentage values above 100 show a trend for more claims or an increased likelihood of larger losses.
Nissan Altima Insurance Loss Statistics Specific Nissan Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Nissan Altima 110 97 119 144 147 114 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Car insurance just makes sense
Despite the high insurance cost for a Nissan Altima in Santa Ana, car insurance may not be optional for several reasons.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability in order to drive the car legally. 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 bought your Nissan with a loan, almost every bank will have a requirement that you have full coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank or lender will purchase a policy for your Nissan at a significantly higher premium and force you to pay for the expensive policy.
- Car insurance protects not only your vehicle but also your financial assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage.
The benefits of having car insurance definitely exceed the cost, especially with large liability claims. But the average driver in California overpays as much as $825 a year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.
Car insurance savings summarized
Low-cost Nissan Altima insurance in Santa Ana can be found online and from local agencies, and you need to price shop both to get a complete price analysis. Some car insurance companies do not offer rate quotes online and usually these small insurance companies only sell through local independent agencies.
When you buy Santa Ana auto insurance online, never reduce coverage to reduce premium. There are many occasions where an insured cut comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at the best price.
Other information
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (FAQ)
- How Much are Auto Insurance Rates for a GMC Sierra in Santa Ana? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)