Lower Your 2017 Nissan Altima Car Insurance Cost

Finding better insurance prices for a new or used Nissan Altima can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to buy insurance and we’ll show you the quickest way to get price quotes for your Nissan and locate the lowest price either online or from local insurance agents.

It’s a great practice to compare premium rates yearly due to the fact that insurance prices are constantly changing. Despite the fact that you may have had the best price for Altima coverage on your last policy you can probably find a better rate quote now. Block out anything you think you know about insurance because you’re about to learn how to use the internet to buy cheaper insurance.

How to get free auto insurance quotes online

Most larger insurance companies such as Allstate and Progressive provide coverage price quotes directly from their websites. Comparing rates online is quite simple as you just type in your coverage preferences into a form. Behind the scenes, the company’s rating system will obtain information on your driving record and credit history and returns a price based on these and other factors.

Online quotes simplifies rate comparisons, but the time required to go to multiple sites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you want to find the lowest auto insurance rates.

Rate comparisons made easy

An easier way to locate the lowest prices is to use a quote form to obtain quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes rate comparisons much more enjoyable. After sending your information, it gets priced and you can select any of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, click here to open in new window and fill out the form. If you currently have coverage, we recommend you duplicate your coverages just like they are on your policy. This ensures you will receive a fair comparison based on similar coverages.

Insurance rates and discounts

Companies that sell car insurance do not list their entire list of discounts very clearly, so the list below details a few of the more well known and also the lesser-known ways to save on insurance.

  • Student in College – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
  • Bundled Policy Discount – If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
  • Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease for Altima coverage with a few insurance companies.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
  • Good Student Discount – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Driver Safety – Taking time to complete a course in defensive driver is a good idea and can lower rates and also improve your driving technique.
  • Discounts for Cautious Drivers – Safe drivers could pay up to 40% less for Altima coverage than drivers with accidents.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free insurance policy, it’s just not the way it works. Any amount of discount will bring down your policy cost.

A few of the larger companies and the discounts they provide are shown below.

  • Farmers Insurance has discounts for mature driver, switch companies, homeowner, pay in full, youthful driver, electronic funds transfer, and distant student.
  • State Farm includes discounts for good student, Drive Safe & Save, anti-theft, passive restraint, and student away at school.
  • Liberty Mutual offers discounts for safety features, multi-car, new move discount, exclusive group savings, and hybrid vehicle.
  • MetLife may include discounts for good driver, claim-free, good student, defensive driver, multi-policy, accident-free
  • Progressive offers discounts including multi-vehicle, online signing, homeowner, continuous coverage, good student, and online quote discount.

When getting free insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Savings may not be offered in your area. To view insurance companies who offer online insurance quotes, click here to view.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Is my state a no-fault state?
  • What is the difference between comprehensive and collision coverage?
  • What is covered by UM/UIM coverage?
  • Am I covered when driving in Canada or Mexico?
  • Why does it cost so much to insure a teen driver?
  • Why do I only qualify for high-risk insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I find DUI or SR-22 insurance?
  • What is the ISO rating for a 2017 Nissan Altima?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of insurance aids in choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, repair costs for stationary objects, pain and suffering, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, surgery, chiropractic care and pain medications. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Nissan Altima.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage covers damage to your Altima resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.