When shopping for lower-cost insurance, do you get frustrated by the dozens of insurance sources available to you? California people have so many sources to choose from that it can turn into a lot of work to locate the lowest rates for Nissan Altima insurance in Long Beach. Lots of people think Long Beach has lots to offer, but expensive insurance can make it nearly impossible for many drivers to make ends meet.
Anyone knows that car insurance companies don’t want you quoting rates from other companies. People who get price quotes annually are inclined to buy a new policy because there is a significant possibility of finding discount prices. A recent survey found that consumers who compared price quotes annually saved over $865 a year compared to other drivers who don’t make a habit of comparing rates.
If finding the lowest rates on auto insurance is your objective, then learning a little about the best way to quote and compare coverage rates can make it simple to find affordable coverage.
Consumers need to do rate comparisons quite often due to the fact that insurance prices are constantly changing. Just because you had the best deal on Nissan Altima insurance in Long Beach a year ago you will most likely find a better rate today. There is a lot of bad information regarding Altima insurance out there, but in a few minutes you can learn some tested techniques to lower your insurance bill.
If you currently have insurance, you should be able to get lower rates using these techniques. Comparison shopping for affordable insurance policy in Long Beach is not as difficult as people think. But California car owners can benefit from knowing the way companies determine premium rates because rates are impacted by many factors.
To get inexpensive Long Beach car insurance quotes, there a variety of ways to compare quotes from different Long Beach insurance companies. The best method to compare Nissan Altima insurance prices is to get quotes online. When price shopping your coverage, comparing more rates from different companies will improve the odds of getting better pricing. Some insurance companies are not set up to provide price estimates online, so you need to compare price quotes from the smaller companies as well.
The companies shown below offer free quotes in Long Beach, CA. If your goal is to find cheap auto insurance in California, we recommend you compare several of them in order to get a fair rate comparison.
Verify you’re earning every discount
Insurance is expensive, but you might already qualify for some discounts that may help make it more affordable. Most are applied at the time of purchase, but some discounts are required to be specifically requested before you get the savings.
- 55 and Retired – Drivers over the age of 55 may receive a small decrease in premiums.
- Lower Rates for Military – Being deployed in the military may lower your insurance rates slightly.
- Switch and Save Discount – A few insurance companies allow discounts for renewing your policy prior to the expiration date on your current Altima insurance policy. This can save 10% or more.
- Club Memberships – Having an affiliation with qualifying employment or professional organizations may earn a discount on your next renewal.
- Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off the personal injury premium cost.
- Buy New and Save – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer models.
- ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Accident Waiver – Not necessarily a discount, but certain companies will let one accident slide before your rates go up as long as you don’t have any claims prior to being involved in the accident.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount should help lower your policy cost.
The example below illustrates the comparison of Nissan Altima auto insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-policy, claim-free, marriage, and multi-car discounts applied.
Some of the insurance companies that have some of the above discounts possibly include:
It’s a good idea to ask every prospective company which discounts you qualify for. All car insurance discounts might not be available to policyholders in every state. To locate insurers with significant discounts in Long Beach, click this link.
Rates and information analytics
The premium information displayed next highlights different insurance rates for Nissan Altima models. Being aware of how insurance premiums are established can help guide drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $326 | $672 | $500 | $30 | $150 | $1,678 | $140 |
| Altima 2.5 S 4-Dr Sedan | $326 | $792 | $500 | $30 | $150 | $1,798 | $150 |
| Altima Hybrid 4-Dr Sedan | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
| Altima 2.5 S 2-Dr Coupe | $370 | $792 | $564 | $34 | $168 | $1,928 | $161 |
| Altima 3.5 SR 4-Dr Sedan | $370 | $792 | $500 | $30 | $150 | $1,842 | $154 |
| Altima 3.5 SR 2-Dr Coupe | $370 | $912 | $564 | $34 | $168 | $2,048 | $171 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in Long Beach location which can change price quotes significantly.
Rate comparison for different deductibles
One of the more difficult decisions when buying car insurance is which deductibles should you choose. The premium rates below may help to illustrate the premium difference of buying low and high physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision 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 | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Altima 2.5 S 4-Dr Sedan | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Altima Hybrid 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Altima 2.5 S 2-Dr Coupe | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Altima 3.5 SR 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Altima 3.5 SR 2-Dr Coupe | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Altima 2.5 S 4-Dr Sedan | $278 | $546 | $442 | $26 | $132 | $1,424 | $119 |
| Altima Hybrid 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Altima 2.5 S 2-Dr Coupe | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Altima 3.5 SR 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Altima 3.5 SR 2-Dr Coupe | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rates do not factor in zip code location which can increase or decrease prices substantially.
Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $33 more each month or $396 each year across all Nissan Altima models than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 12 months between claims, you would probably come out ahead by going with a higher deductible.
Violations and accidents raise rates
The information below shows how violations and accident claims drive up Nissan Altima insurance prices for different ages of insureds. The data assumes a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
When should I talk to an insurance agent?
Many people still like to sit down with an agent and that is not a bad decision An additional benefit of price shopping on the web is that you can find the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, the coverage information is transmitted to agents in your area that provide free Long Beach car insurance quotes for your business. You won’t even need to find an agent on your own since rate quotes are delivered to you instantly. You can get cheaper insurance rates and a licensed agent to talk to. If you want to get a price quote from a specific company, don’t hesitate to visit that company’s website and submit a quote form there.
Finding the right company requires you to look at more than just a low price. Below are some questions you should ask.
- Can they give you a list of client referrals?
- Do they assist clients in filing claims?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they regularly work with personal auto policies in Long Beach?
- How long have they worked with personal auto insurance coverage?
How to choose the best auto insurance agent in Long Beach
If you prefer to buy insurance from a reliable insurance agent, you should know the different types of agencies and how they are slightly different. Long Beach agents are either independent agents or exclusive agents.
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company like American Family, State Farm, and AAA. They are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive agencies are well schooled on their products and sales techniques which helps offset the inability to provide other markets. Some insured continue to buy from exclusive agents mostly because of the brand name instead of buying on price only.
Below are exclusive agencies in Long Beach who can help you get price quotes.
- Ron Whitson – State Farm Insurance Agent
249 E Ocean Blvd Ste 100 – Long Beach, CA 90802 – (562) 435-5700 – View Map - Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338 – View Map - Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map
Independent Insurance Agents
Agents in the independent channel do not have single company limitations and that enables them to quote your coverage through many companies and find the cheapest insurance rates. If you want to switch companies, they simply move the coverage in-house and you can keep the same agent. If you are comparing insurance prices, we highly recommend that you check rates from independent agents to have the most options to choose from. Most have the option of insuring with smaller companies which could offer lower prices.
Below are independent agencies in Long Beach that can give you price quotes.
- Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map - Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map - Galaxy Insurance Service, Inc
2411 E Anaheim St – Long Beach, CA 90804 – (562) 438-7000 – View Map
Special considerations
When choosing insurance from an agent or online, there is no “perfect” insurance plan. You are unique.
For instance, these questions could help you determine if your situation might need professional guidance.
- I have good health insurance, so how much medical payments coverage do I need?
- Is my nanny covered when transporting my kids?
- What states are considered no-fault?
- Can my teen driver be rated on a liability-only vehicle?
- What is the minimum liability in California?
- How high should my uninsured/underinsured coverage be in California?
- Am I covered when pulling a rental trailer?
- What does medical payments coverage do?
- At what point should I drop full coverage?
- Does coverage extend to a rental car in a foreign country?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.
Here’s why auto insurance is not optional
Despite the high cost of buying insurance for a Nissan Altima in Long Beach, insurance is not optional due to several reasons.
- Most states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage 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 vehicle with a loan, more than likely the lender will require you to buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Nissan for a lot more money and require you to pay for it.
- Insurance safeguards both your vehicle and your personal assets. It will also provide coverage for medical bills that are the result of an accident. One policy coverage, 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 policy will pay to have it repaired.
The benefits of carrying enough insurance greatly outweigh the cost, especially if you ever need it. An average driver in America overpays as much as $850 per year so it’s recommended you shop around at least once a year to ensure rates are competitive.
Specific coverage details
Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for bills like funeral costs, rehabilitation expenses, surgery and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Collision protection
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for claims such as backing into a parked car, rolling your car, driving through your garage door, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Altima to bring the cost down.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Nissan Altima.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5 in California), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability car insurance
This will cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.
Liability coverage pays for things like legal defense fees, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.
The next chart demonstrates why the minimum limit may not be adequate coverage.
Comprehensive coverages
This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from getting keyed, hail damage, damage from a tornado or hurricane, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Cover all your bases
As you quote Long Beach car insurance, you should never reduce needed coverages to save money. Too many times, an insured dropped collision coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage for the lowest price and still be able to protect your assets.
Drivers switch companies for any number of reasons including poor customer service, an unsatisfactory settlement offer, policy cancellation and delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
We just presented many ideas to lower your Nissan Altima insurance rates in Long Beach. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Drivers may even discover the lowest rates are with the least-expected company.
How to save money on Nissan Altima insurance in Long Beach
The most effective way to quote cheaper Nissan Altima insurance in Long Beach is to make a habit of regularly comparing prices from companies in California. Prices can be compared by completing these steps.
First, get an understanding of how auto insurance works and the modifications you can make to prevent high rates. Many rating factors that drive up the price such as traffic violations, accidents, and a not-so-good credit rating can be amended by making small lifestyle or driving habit changes.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while agents who are independent can quote rates for a wide range of companies.
Third, compare the new quotes to your current policy premium to see if a cheaper rate is available. If you find better rates, verify that coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company of your intention to cancel your current policy and submit a completed application and payment to your new carrier. Once coverage is bound, place your new proof of insurance paperwork in your vehicle’s glove compartment or console.
An important bit of advice to remember is to use the same amount of coverage on each quote request and and to compare as many companies as you can. This enables a fair rate comparison and the best rate selection.
Other learning opportunities
- What is Covered by GAP Insurance? (Allstate)
- Who Has Cheap Auto Insurance for Veterans in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
- Who Has Affordable Long Beach Car Insurance Rates for a Ford Explorer? (FAQ)
- What Insurance is Cheapest for a Honda Accord in Long Beach? (FAQ)
- How Much is Long Beach Auto Insurance for a Nissan Sentra? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)