Insurance for Nissan AltimaWant to know an easy way to compare lower-priced Nissan Altima insurance in Knoxville? Having to pay for expensive car insurance in Knoxville can drain your personal savings and force you to cut corners elsewhere. Comparing cost estimates is a smart way to lower your bills every month.

Amazingly, the majority of drivers have purchased from the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. Many consumers in Knoxville could save themselves approximately $475 a year just by getting comparison quotes, but they won't spend time to find affordable insurance by shopping around. Insurance companies such as State Farm and GEICO all claim big savings, bombarding you with ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you are insured now or are just looking to switch companies, you can use this information to save money and possibly find even better coverage. Choosing the best insurance company for you in Knoxville is actually not that difficult if you follow our advice. Comparison shoppers just have to know the fastest way to compare rate quotes online from multiple companies.

Companies offering Nissan Altima insurance in Tennessee

The companies shown below have been selected to offer price quotes in Knoxville, TN. If multiple providers are shown, we suggest you visit as many as you can to get the lowest price.

Nissan Altima Insurance Rates in Knoxville, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $192 $368 $304 $18 $90 $972 $81
Altima 2.5 S 4-Dr Sedan $118 $274 $304 $18 $90 $804 $67
Altima Hybrid 4-Dr Sedan $158 $296 $272 $16 $82 $824 $69
Altima 2.5 S 2-Dr Coupe $134 $274 $368 $22 $110 $908 $76
Altima 3.5 SR 4-Dr Sedan $152 $320 $350 $20 $104 $946 $79
Altima 3.5 SR 2-Dr Coupe $150 $362 $424 $26 $126 $1,088 $91
Get Your Own Custom Quote Go

Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle location which can raise or lower price quotes noticeably.

Reckless driving habits raise auto insurance rates

The illustration below illustrates how traffic citations and accidents can drive up Nissan Altima car insurance rates for different categories of driver ages. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

How high should deductibles be?

The illustration below demonstrates how deductibles and can influence Nissan Altima insurance costs for each age group. The premiums are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Should you buy full coverage?

The information below illustrates the comparison of Nissan Altima insurance costs with and without full coverage. The data is based on no claims or driving violations, $500 deductibles, single female driver, and no other discounts are factored in.

When to switch to liability coverage only

There is no specific rule of when to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's say your Nissan Altima replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $8,000 after the deductible is paid. If premiums are more than $800 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where dropping full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Why You Might Pay Inflated Rates in Knoxville

Many factors are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although some other factors are less apparent like where you live or your financial responsibility.

Car insurance discounts help lower rates for Nissan Altima insurance in Knoxville

Car insurance is expensive, but there could be significant discounts to help offset the cost. Some trigger automatically at quote time, but some discounts are required to be asked about before being credited.Save money with discounts

Just know that most discount credits are not given to the whole policy. Most cut specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren't that generous.

To choose car insurance companies that have a full spectrum of discounts in Tennessee, follow this link.

Auto insurance quotes from neighborhood Knoxville auto insurance agents

Some consumers would prefer to have an agent's advice and that is a personal choice. Good insurance agents are highly skilled in risk management and help submit paperwork. One of the great benefits of getting free rate quotes online is you can get cheap rate quotes and also buy local. Buying from and supporting local insurance agents is important particularly in Knoxville.

Find insurance agent in KnoxvilleTo make it easy to find an agent, after completing this quick form, the coverage information gets sent to insurance agents in Knoxville that can provide free Knoxville car insurance quotes for your coverage. You won't even need to even leave your home because prices are sent straight to your inbox. In the event you want to compare rates from a particular provider, you just need to navigate to their website and give them your coverage information.

Exclusive or Independent: There is a difference

If you prefer to buy auto insurance from a good insurance agency, there are two different agency structures from which to choose. Auto insurance policy providers can be described as either independent (non-exclusive) or exclusive. Either one can insure your vehicles, but it's a good idea to understand the difference between them since it could factor into buying decisions.

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they can insure your vehicles through lots of different companies and get you the best rates possible. If your agent finds better pricing, your policy is moved internally and that require little work on your part. When comparing auto insurance prices, you should always compare prices from several independent insurance agents to get the best comparison.

Featured below is a partial list of independent agents in Knoxville that may be able to give you cheap rate quotes.

1900 N Winston Rd - Knoxville, TN 37919 - (865) 691-4847 - View Map

605 Reliability Cir - Knoxville, TN 37932 - (865) 675-9494 - View Map

11020 Kingston Pike #320 - Knoxville, TN 37934 - (865) 966-2111 - View Map

More Knoxville agents

Exclusive Agents

Agents that choose to be exclusive can only quote rates from one company such as AAA, Allstate, and State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents are trained well on their company's products and that enables them to sell even at higher rates.

The following is a list of exclusive agents in Knoxville that can give you comparison quotes.

7809 US-70 - Knoxville, TN 37919 - (865) 690-0802 - View Map

10670 Parkside Dr #2 - Knoxville, TN 37922 - (865) 690-0800 - View Map

7090 Kingston Pike - Knoxville, TN 37919 - (865) 588-1811 - View Map

More Knoxville agents

Finding the right insurance agency requires you to look at more than just a cheap price quote. Here are some questions you should ask.

After you get acceptable answers to any questions you may have as well as cheaper Altima insurance quotes, chances are good that you have found a car insurance agent that is a good match to properly insure your vehicles.

A little work can save a LOT of money

You just read some good ideas how to compare Nissan Altima insurance car insurance rates in Knoxville. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with some of the lesser-known companies. They may have significantly lower premium rates on certain market segments compared to the large companies like State Farm or Progressive.

When you buy Knoxville car insurance online, make sure you don't buy poor coverage just to save money. There have been many situations where an accident victim reduced collision coverage only to find out they didn't have enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

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