Best Car Insurance for Nissan Altima SR 2022
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Best insurance for Nissan Altima SR
One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 33% per year insuring their Nissan Altima SR when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Nissan Altima SR drivers after switching with Jerry.
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How much does it cost to insure a Nissan Altima SR
The average annual cost to insure a Nissan Altima SR is $3,520, which is $291 higher than the average annual cost to insure Nissans. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.
Insurance coverage to consider for a Nissan Altima SR
While the mandatory liability coverage will be the cheapest option to insure your Altima SR, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather
What determines your car insurance cost for a Nissan Altima SR
In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.
The cost of insurance for a Nissan Altima SR will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Nissan Altima SR than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Nissan Altima SR:
The year of your car
Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Nissan Altima SR will be lower for an older car. These are real quotes Jerry has found for drivers of a Nissan Altima SR based on model year:
While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Nissan Altima SR with different carriers:
Trim levels and vehicle materials
The Nissan Altima SR comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Nissan Altima SR.
How can I save money when insuring my Nissan Altima SR
There are plenty of things you can do to lower your insurance rates for your Altima SR. Here are a few of the top ways to save.
The best way to save money on your insurance is to shop around. Just because your current provider offered the cheapest rates for you in the past, it doesn’t mean they’re still the best option for you today.
By comparing 50 competitive quotes in under a minute, Jerry can show you which provider offers the best price for the coverage you need. And with automatic price updates, you can be sure you’re always getting the lowest rate when it comes time for renewal.
Key Takeaway: Insurance rates are complicated, and they change often. Getting automatic updates is the best way to continue saving money for years to come.
Opt for a lower trim level
The Altima SR is the mid-range trim level for the Altima line, so it may be more expensive to insure. If you’re looking to save money on your insurance, the S or SV will be better options.
The S trim comes standard with features like automatic emergency braking, a 7-inch touchscreen display, and forward collision warning, making it a great option for many drivers. Even the SV—which is one trim level higher than the S—adds great features like active brakes and the Drive-Assist® display.
Skip the extra features
Extra features also tend to make rates go up. For example, adding VC-Turbo would likely make the rates for your Altima SR rise a bit. So, if you want to keep those insurance costs low, figure out how often you would use the turbo, and consider going without it.
Invest in anti-theft and safety features
There are some features that can actually lower your insurance rates, however. Anti-theft and safety features that improve the overall safety of your car could be wise investments, as insurance companies often offer discounts for these additions.
Keep a clean record
Insurance providers keep a close eye on your driving record. If you’ve been in multiple accidents, have a less than stellar track record with driving under the speed limit, or have a history of making big insurance claims, your rates will probably be a little high. Driving safely and lawfully going forward can help reduce your rates over time.
Look for discounts
If you’ve proven yourself to be a safe driver, why not ask about a safe driver discount? Providers offer many discounts—along with the safe driver discount—that can help lower your rate. These may not all be advertised, so the only way to know for sure that you’re getting all the discounts you qualify for is to ask your agent.