2014 Nissan Altima Car Insurance Quotes

Searching for cheaper car insurance rates? Consumers have options when looking for low-cost Nissan Altima insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes. There are both good and bad ways to buy car insurance so you’re going to learn the best way to quote coverages for a Nissan and get the best price possible either online or from local insurance agents.

Finding the best rates is not that difficult. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Consumers only need an understanding of how to compare price quotes over the internet.

Vehicle Insurance Comparison

There are a lot of ways to shop for insurance coverage, but some are more efficient than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Many popular insurance companies participate in an industry program where prospective buyers submit one quote, and each company returns a competitive quote determined by their information. This system prevents you from having to do quote requests for every insurance coverage company.

To compare 2014 Nissan Altima rates using this form now click here (opens in new window).

The only downside to using this type of system is you can’t choose the providers you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we have a listing of companies who write insurance coverage in your area. Click here to view list.

Whichever way you use, double check that you are using identical information with each company. If you compare different limits and deductibles on each one you will not be able to make an equal comparison.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out whether you might need professional guidance.

  • Is my custom paint covered by insurance?
  • Am I covered when driving on a suspended license?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What companies insure drivers after a DUI or DWI?
  • Does having multiple vehicles earn me a discount?
  • What is the rate difference between pleasure use and commuting?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverage specifics

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like chiropractic care, EMT expenses, X-ray expenses and doctor visits. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance will pay to fix damage to your Altima resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from flooding, a broken windshield, vandalism and rock chips in glass. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Altima.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

This protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, legal defense fees and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.