Searching for better insurance prices for your Nissan Altima in Florida could be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to find car insurance online so we're going to tell you the absolute fastest way to get price quotes for your Nissan and find the cheapest rates either online or from Miami insurance agents.

Insurance quote for Nissan Altima in MiamiA recent study revealed that most consumers kept their coverage with the same car insurance company for a minimum of four years, and almost 40% of drivers have never even compared rates from other companies. The average driver in Miami could save an average of approximately 55% each year by just shopping around, but they just don't understand how easy it is to compare rate quotes online.

It's a good idea to do price comparisons every six months because prices change regularly. Just because you found the lowest rate on Nissan Altima insurance in Miami at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the things you must know in order to find great coverage at a great price.

If you have a policy now or need new coverage, you can learn to shop for the lowest rates without having to cut coverage. Finding affordable protection in Miami is not as time-consuming as you think. Smart shoppers just need to use the tricks to get comparison quotes over the internet.

Discount Miami car insurance quotes

Car insurance is not an enjoyable expense, but you may qualify for discounts to cut the cost considerably. Some of these discounts will be visible at the time of quoting, but occasionally some discounts must be inquired about before you get the savings.Cheaper car insurance with discounts

Keep in mind that many deductions do not apply to the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, car insurance companies aren't that generous.

To find car insurance companies with significant discounts in Florida, click here.

Reducing your insurance rates can be quick and easy. Drivers just need to take time to compare rate quotes to see which company has affordable Nissan Altima insurance quotes.

The following companies are ready to provide free quotes in Florida. If you want to find cheap car insurance in Florida, we recommend you compare several of them to get a more complete price comparison.

Nissan Altima Insurance Costs in Miami, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $312 $532 $426 $26 $128 $1,424 $119
Altima 2.5 S 4-Dr Sedan $248 $532 $392 $24 $118 $1,314 $110
Altima Hybrid 4-Dr Sedan $338 $516 $546 $32 $164 $1,596 $133
Altima 2.5 S 2-Dr Coupe $174 $334 $444 $26 $132 $1,110 $93
Altima 3.5 SR 4-Dr Sedan $348 $748 $472 $28 $142 $1,738 $145
Altima 3.5 SR 2-Dr Coupe $280 $612 $444 $26 $132 $1,494 $125
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific location information which can modify coverage rates substantially.

Policy deductible comparison

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The tables below illustrate the rate differences when you select higher and lower coverage deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Nissan Altima insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $322 $544 $418 $24 $124 $1,457 $121
Altima 2.5 S 4-Dr Sedan $322 $640 $418 $24 $124 $1,553 $129
Altima Hybrid 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Altima 2.5 S 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
Altima 3.5 SR 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Altima 3.5 SR 2-Dr Coupe $364 $736 $472 $28 $142 $1,767 $147
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Nissan Altima insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
Altima 2.5 S 4-Dr Sedan $262 $516 $418 $24 $124 $1,344 $112
Altima Hybrid 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Altima 2.5 S 2-Dr Coupe $296 $516 $472 $28 $142 $1,454 $121
Altima 3.5 SR 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Altima 3.5 SR 2-Dr Coupe $296 $594 $472 $28 $142 $1,532 $128
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in garaging location in Miami which can alter coverage prices considerably.

Based on this data, using a $250 deductible will cost in the ballpark of $18 more each month or $216 for a full year than requesting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 14 months between claims, you would probably come out ahead by selecting a higher deductible. The illustration below shows the way you can make your own decision.

Average monthly premium for $250 deductibles: $134
Average monthly premium for $500 deductibles (subtract): - $116
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One big caveat is that raising deductibles results in more money out-of-pocket when you do file a claim. You will want to have some funds available in the event you need to pay the deductible.

Gender-based car insurance premiums in Miami

The chart below visualizes the comparison of Nissan Altima insurance premiums for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no other discounts are factored in.

When should I discuss my situation with an agent?

When quoting and choosing adequate coverage, there really is not a one-size-fits-all type of policy. Every situation is different.Car insurance savings

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Can't I get rate quotes from local Miami auto insurance agents?

Many drivers would rather get advice from a local agent and doing so can bring peace of mind Professional insurance agents can help determine the best coverages and give you someone to call. One of the benefits of comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent. And providing support for local agents is definitely important in Miami.

Find insurance agent in MiamiBy using this form (opens in new window), your insurance coverage information is sent to agents in your area who can give free rate quotes for your coverage. You won't even need to contact any agents as quotes are delivered to you instantly. In the event you want to get a rate quote from a specific insurance company, just navigate to their website and submit a quote form there.

When searching for a reliable insurance agency, it helps to know the two types of insurance agents and how they are slightly different. Agents in Miami can be classified as either exclusive or independent (non-exclusive). Either one can insure your vehicles, but we need to point out the difference in the companies they write for since it may influence which type of agent you select.

Independent Agents

Independent agents often have many company appointments so as a result can place your coverage through many different insurance companies depending on which coverage is best. If they quote lower rates, your agent can just switch to a different company and you won't have to switch agencies. If you need cheaper insurance rates, you should always compare quotes from at least one independent agent for maximum quote selection. Most have the option of insuring with smaller companies which may have better rates.

Shown below is a short list of independent insurance agencies in Miami that can possibly get you comparison quotes.

View more Miami agents

Exclusive Insurance Agencies

Exclusive agents are contracted to one company and some examples include State Farm or Allstate. They generally cannot compare other company's rates so they have no alternatives for high prices. Exclusive insurance agents are highly trained on the products they sell and that can be a competitive advantage. Some people will only buy from the same agent for years partially due to high brand loyalty rather than having the cheapest rates.

Below is a short list of exclusive agencies in Miami that can give you rate quotes.

View more Miami agents

Deciding on an auto insurance agent should include more criteria than just a low price. These questions are important to ask:

Quote often and quote early

Consumers change insurance companies for any number of reasons including policy non-renewal, unfair underwriting practices, lack of trust in their agent or even high prices. Regardless of your reason, finding the right car insurance provider can be easy and end up saving you some money.

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Affordable Nissan Altima insurance in Miami can be bought on the web and also from your neighborhood Miami agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies don't offer the ability to get a quote online and usually these smaller companies work with independent insurance agents.

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