Discount Nissan Altima insuranceWould you like to stop wasting money and find more affordable insurance rates in Chattanooga, TN? Chattanooga buyers have lots of choices when searching for affordable Nissan Altima insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There are more efficient ways to buy insurance so we're going to tell you the best way to quote coverages on a Nissan and locate the lowest possible price from both online companies and Chattanooga agents.

If you are already insured or are looking for a new policy, you can follow these tips to find the best rates and still have adequate protection. The intent of this article is to help educate you on the best methods to compare rates and some money-saving tips. Drivers only need an understanding of the proper methods to compare company rates online.

Getting more affordable car insurance pricing is pretty simple and can save money. You just have to invest a few minutes comparing price quotes online from several insurance companies.

The companies shown below are our best choices to provide price comparisons in Tennessee. If more than one company is shown, we suggest you visit as many as you can in order to find the cheapest rates.

Nissan Altima Insurance Rates in Chattanooga, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $218 $432 $350 $20 $104 $1,124 $94
Altima 2.5 S 4-Dr Sedan $156 $368 $326 $20 $98 $968 $81
Altima Hybrid 4-Dr Sedan $320 $528 $378 $22 $114 $1,362 $114
Altima 2.5 S 2-Dr Coupe $134 $274 $342 $20 $102 $872 $73
Altima 3.5 SR 4-Dr Sedan $176 $368 $326 $20 $98 $988 $82
Altima 3.5 SR 2-Dr Coupe $242 $596 $368 $22 $110 $1,338 $112
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can raise or lower coverage prices significantly.

How high should deductibles be?

One common question asked by Chattanooga drivers is where should you set your physical damage deductibles. The following tables lay out how much more rates are when you buy lower versus higher coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.

Nissan Altima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $224 $376 $288 $18 $86 $1,017 $85
Altima 2.5 S 4-Dr Sedan $224 $444 $288 $18 $86 $1,085 $90
Altima Hybrid 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
Altima 2.5 S 2-Dr Coupe $252 $444 $326 $20 $98 $1,165 $97
Altima 3.5 SR 4-Dr Sedan $252 $444 $288 $18 $86 $1,113 $93
Altima 3.5 SR 2-Dr Coupe $252 $510 $326 $20 $98 $1,231 $103
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Nissan Altima insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $182 $304 $288 $18 $86 $878 $73
Altima 2.5 S 4-Dr Sedan $182 $358 $288 $18 $86 $932 $78
Altima Hybrid 4-Dr Sedan $204 $358 $288 $18 $86 $954 $80
Altima 2.5 S 2-Dr Coupe $204 $358 $326 $20 $98 $1,006 $84
Altima 3.5 SR 4-Dr Sedan $204 $358 $288 $18 $86 $954 $80
Altima 3.5 SR 2-Dr Coupe $204 $412 $326 $20 $98 $1,060 $88
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can impact prices noticeably.

We can estimate from the data above that using a $250 deductible costs roughly $13 more each month or $156 for a full year than buying the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claim filings, you would come out ahead if you choose the higher deductible.

You may qualify for discounts for Nissan Altima insurance in Chattanooga

Companies that sell car insurance don't list all possible discounts very clearly, so the below list has both the well known and also the more inconspicuous credits available to you. If you are not receiving all the discounts you qualify for, you are paying more than you should be.Cheaper auto insurance with discounts

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though you would think it's possible to get free car insurance, insurance companies wouldn't stay in business.

Some of the insurance companies that have these money-saving discounts include:

When comparing rates, check with each company or agent the best way to save money. Savings might not be available to policyholders in your state.

Are insurance agents obsolete?

A lot of people would prefer to talk to a local agent and doing that can be a smart decision Professional insurance agents are very good at helping people manage risk and will help you if you have claims. A nice benefit of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to. And buying from local agencies is especially important in Chattanooga.

Insurance agency in ChattanoogaTo find an agent, once you fill out this simple form, your insurance data is submitted to insurance agents in Chattanooga that can provide free Chattanooga auto insurance quotes to get your business. You won't need to find an agent on your own since rate quotes are delivered to the email address you provide. In the event you want to quote rates from a particular provider, you would need to jump over to their website and give them your coverage information.

Not all car insurance agents are the same

If you would like to find a reputable insurance agent or broker, there are two different types of agencies that you can choose from. Insurance policy providers are considered either exclusive agents or independent agents. Either one can sell and service insurance coverage, but it's important to point out how they differ because it can factor into which type of agent you select.

Independent Insurance Agencies

Agents that choose to be independent are not locked into one company so they can quote policies with lots of companies and find you cheaper rates. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent. When searching for an agent, you will definitely want to include price quotes from at a minimum one independent agency to get the best comparison. Most also have access to lesser-known insurance companies which can save you money.

Below is a list of independent agencies in Chattanooga that may be able to give cheap rate quotes.

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Exclusive Insurance Agents

Exclusive agencies work for only one company like American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates. Consumers often buy from exclusive agents primarily because of the brand and strong financial ratings.

Listed below are exclusive insurance agencies in Chattanooga who can help you get price quotes.

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Picking an car insurance agent is decision based upon more than just the price. Any agent in Chattanooga should be willing to answer these questions.

Your situation helps dictate your coverage

When it comes to buying the best auto insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else's.Drive safe and save

These are some specific questions may help highlight if your insurance needs would benefit from an agent's advice.

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage considerations

Knowing the specifics of car insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.


Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/15 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, repair bills for other people's vehicles and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. Tennessee requires minimum liability limits of 25/50/15 but you should consider buying better liability coverage.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Altima.

Due to the fact that many Tennessee drivers carry very low liability coverage limits (Tennessee limits are 25/50/15), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses like doctor visits, surgery and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This coverage pays for damage to your Altima resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible on your Altima in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane and hitting a bird. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

One last thing about your coverage

Drivers switch companies for many reasons like questionable increases in premium, high prices, delays in responding to claim requests and not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

You just learned many tips how you can shop for Nissan Altima insurance online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company.

When buying insurance coverage, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

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