1997 Nissan Altima Insurance Quotes

Overwhelmed by the sheer number of insurance coverage choices? Many other consumers are too. Consumers have so many options available that it can turn into a lot of work to find better rates.

The quickest way to compare insurance rates in your area is to know the trick car insurance companies actually pay money for the chance to provide you with free rate quotes. To get started, all you need to do is provide details including the make and model of your vehicles, driver details, how you use your vehicles, and if you have a valid license. The rating information gets transmitted to multiple companies and you should receive rate quotes instantly to find the best rate.

Policy discounts you shouldn’t miss

Companies that sell car insurance do not list every discount very clearly, so we researched some of the more common and the more hidden insurance savings.

• Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
• Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
• No Charge for an Accident – A few companies permit an accident before your rates go up if you are claim-free for a certain period of time.
• Good Student – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
• Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

It’s important to note that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

Companies that possibly offer these discounts are:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Before buying, ask each company what discounts are available to you. Some discounts might not apply everywhere.

Insurance agents can help

When buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

• Does having multiple vehicles earn me a discount?
• Who is covered when they drive my 1997 Nissan Altima?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered when delivering products for my home-based business?
• Is my 1997 Nissan Altima covered for flood damage?
• Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage covers damage to your Altima resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, theft, rock chips in glass, a tree branch falling on your vehicle and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Altima.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, prosthetic devices, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Coverage for liability

This will cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, legal defense fees, medical expenses and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.