It’s a fact that insurance companies don’t want you to look for cheaper rates. Drivers who shop around for cheaper rates will most likely switch insurance companies because they have a good chance of finding discount prices. A survey found that consumers who shopped around annually saved an average of $3,500 over four years compared to policyholders who never shopped around for lower prices.
If finding the cheapest price on Nissan Altima insurance in Baltimore is your objective, then having an understanding of the best ways to shop for insurance rates can save time, money, and frustration.
Truthfully, the best way to find affordable quotes for Nissan Altima insurance in Baltimore is to compare prices once a year from insurance carriers in Maryland.
Step 1: Get a basic knowledge of how auto insurance works and the changes you can make to prevent high rates. Many factors that result in higher rates like getting speeding tickets and a negative credit rating can be amended by improving your driving habits or financial responsibility. Keep reading for additional ideas to help prevent costly coverage and find more discounts that you may not know about.
Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple sources. View rates
Step 3: Compare the new quotes to your existing policy and determine if there is any savings. If you can save money, ensure coverage does not lapse between policies.
Step 4: Notify your current company to cancel the current policy. Submit payment and a completed application for your new coverage. Once coverage is bound, keep your new certificate verifying proof of insurance in an easily accessible location in your vehicle.
The key aspect of shopping around is to use similar deductibles and liability limits on every quote and and to get price estimates from as many companies as you can. Doing this guarantees the most accurate price comparison and a better comparison of the market.
The companies shown below are ready to provide quotes in Baltimore, MD. In order to find cheap car insurance in Baltimore, we suggest you visit as many as you can to get the best price comparison.
Statistics and details
The premium table displayed next outlines different insurance policy prices for Nissan Altima models. Learning how premiums are established can be valuable when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $220 | $418 | $426 | $26 | $128 | $1,218 | $102 |
| Altima 2.5 S 4-Dr Sedan | $220 | $492 | $426 | $26 | $128 | $1,292 | $108 |
| Altima Hybrid 4-Dr Sedan | $248 | $492 | $426 | $26 | $128 | $1,320 | $110 |
| Altima 2.5 S 2-Dr Coupe | $248 | $492 | $482 | $28 | $144 | $1,394 | $116 |
| Altima 3.5 SR 4-Dr Sedan | $248 | $492 | $426 | $26 | $128 | $1,320 | $110 |
| Altima 3.5 SR 2-Dr Coupe | $248 | $566 | $482 | $28 | $144 | $1,468 | $122 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in vehicle garaging location which can influence premium rates greatly.
Should you raise deductibles?
When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates shown below may help to illustrate the difference in cost when you select higher and lower coverage deductibles. The first rate quote example uses a $250 deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $314 | $528 | $406 | $24 | $122 | $1,419 | $118 |
| Altima 2.5 S 4-Dr Sedan | $314 | $624 | $406 | $24 | $122 | $1,515 | $126 |
| Altima Hybrid 4-Dr Sedan | $354 | $624 | $406 | $24 | $122 | $1,555 | $130 |
| Altima 2.5 S 2-Dr Coupe | $354 | $624 | $458 | $28 | $138 | $1,627 | $136 |
| Altima 3.5 SR 4-Dr Sedan | $354 | $624 | $406 | $24 | $122 | $1,555 | $130 |
| Altima 3.5 SR 2-Dr Coupe | $354 | $718 | $458 | $28 | $138 | $1,721 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $256 | $426 | $406 | $24 | $122 | $1,234 | $103 |
| Altima 2.5 S 4-Dr Sedan | $256 | $502 | $406 | $24 | $122 | $1,310 | $109 |
| Altima Hybrid 4-Dr Sedan | $288 | $502 | $406 | $24 | $122 | $1,342 | $112 |
| Altima 2.5 S 2-Dr Coupe | $288 | $502 | $458 | $28 | $138 | $1,414 | $118 |
| Altima 3.5 SR 4-Dr Sedan | $288 | $502 | $406 | $24 | $122 | $1,342 | $112 |
| Altima 3.5 SR 2-Dr Coupe | $288 | $578 | $458 | $28 | $138 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in Baltimore location which can affect coverage prices substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $18 more each month or $216 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 14 months between claims, you would come out ahead if you elect the higher deductible.
Annual premiums for males versus females in Baltimore
The example below illustrates the comparison of Nissan Altima yearly insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, full coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.
Do I need an agent?
Some consumers would rather sit down and talk to an agent and that is recommended in a lot of cases Insurance agents can make sure you are properly covered and will help you if you have claims. A nice benefit of getting online price quotes is the fact that you can find cheap insurance quotes and also buy local. And buying from local insurance agencies is still important in Baltimore.
After completing this quick form, your insurance data is immediately sent to insurance agents in Baltimore who will give you quotes and help you find cheaper coverage. There is no reason to leave your house since rate quotes are delivered immediately to you. If you need to get a price quote for a specific company, just visit that company’s website and fill out the quote form the provide.
If you want to buy insurance from a reliable insurance agency, you should know the different agency structures and how they differ in how they quote coverages. Agencies in Baltimore can be categorized as either independent or exclusive depending on the company they work for. Both write insurance policies, but it’s worth learning why they differ since it may influence your agent selection.
Independent Agents
Independent insurance agents often have many company appointments and that enables them to quote your coverage with a variety of different insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply switch companies in-house without you having to go to a different agency. If you need cheaper insurance rates, you definitely need to compare prices from independent agents to have the most options to choose from.
Featured below are Baltimore independent insurance agencies who may be able to give you price quote information.
Allied Insurance Agency
7840 Eastern Ave – Baltimore, MD 21224 – (410) 282-1111 – View Map
Upper Chesapeake Insurance Agency Inc
900 S Charles St – Baltimore, MD 21230 – (410) 385-0455 – View Map
Maryland Auto Insurance (the new MAIF)
1215 E Fort Ave #300 – Baltimore, MD 21230 – (800) 492-7120 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company such as Allstate, State Farm and Farm Bureau. They usually cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agencies are well schooled on what they offer and that enables them to sell even at higher rates.
Shown below are Baltimore exclusive agencies willing to provide price quote information.
Allstate Insurance Agency: Abernathy Michael
7696 Belair Rd – Baltimore, MD 21236 – (410) 426-5500 – View Map
Raul Braun – State Farm Insurance Agent
8609 Old Harford Rd – Baltimore, MD 21234 – (410) 663-3100 – View Map
Nathan Scholze – State Farm Insurance Agent
101 St Helena Ave – Baltimore, MD 21222 – (410) 288-4120 – View Map
Deciding on an car insurance agent is decision based upon more than just a low price. You should also get answers to these questions.
- Are they actively involved in the community?
- What companies can they write with?
- What company do they have the most business with?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agent recommend any additional coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the agent have a valid license to sell insurance in Maryland?
- Will a damage claim use OEM or aftermarket replacement parts?