How Much Does 2005 Nissan Altima Insurance Cost?

Looking for lower auto insurance rates for your Nissan Altima? Finding low-cost insurance for a Nissan Altima can be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are both good and bad ways to shop for auto insurance and we’ll show you the proper way to compare rates for your Nissan and obtain the lowest price either online or from local insurance agents.

It’s smart to do rate comparisons at least once a year since rates are usually higher with each renewal. Even if you think you had the best price on Altima insurance a few years ago other companies may now be cheaper. Don’t believe everything you read about auto insurance online, so by reading this article, you’re going to learn the easiest ways to save money.

Auto Insurance Prices

Cutting your auto insurance rates can be surprisingly simple. You just need to take a couple of minutes to compare quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

Probably the best way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quote forms to each individual auto insurance company. One form will return price quotes instantly. This is perfect if you don’t have a lot of time.

A more difficult way to analyze rates is to manually visit the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want to compare Liberty Mutual, Progressive and GMAC. To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just double check that you are using exactly the same quote information with every price quote. If you are comparing unequal deductibles or liability limits it will be next to impossible to determine the best price for your Nissan Altima.

How do I know if I need professional advice?

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that can help discover if your situation may require specific advice.

  • Am I insured when driving a different vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Are rock chip repairs covered?
  • Am I covered if hit by an uninsured driver?
  • Is motorclub coverage worth it?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, rock chips in glass and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills such as chiropractic care, nursing services and EMT expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverages – Collision insurance pays for damage to your Altima from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Auto liability insurance – This coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as attorney fees, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but buy higher limits if possible.