1993 Nissan Altima Insurance Cost

Want cheaper car insurance rates for your Nissan Altima? Trying to find cheaper insurance for your Nissan Altima could be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to quote coverages for a new or used Nissan and find the cheapest rates.

It’s a good habit to compare premium rates every six months because car insurance prices trend upward over time. Despite the fact that you may have had the lowest rate on Altima coverage two years ago there is a good chance you can find better premium rates now. There are a lot of ways to save on car insurance online but you can learn some excellent ideas to stop overpaying for insurance.

If you have a current insurance coverage policy or need new coverage, you can learn to find better prices while maintaining coverages. Shopping for affordable protection is simple if you know the tricks. Consumers just need to know the proper methods to compare price quotes online.

Double check you’re getting with these discounts

Companies offering auto insurance don’t always publicize the complete list of policy discounts very clearly, so the list below contains some of the best known and the harder-to-find discounts you could be receiving when you buy auto insurance online.

Safe Drivers – Safe drivers can save as much as half off their rates on Altima coverage than drivers with accidents.
Drive Less and Save – Low annual miles may enable drivers to earn better rates on cars that stay parked.
Accident Waiver – This one isn’t a discount, but companies like Liberty Mutual and GEICO may permit one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
Seat Belts Save more than Lives – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
Telematics Data Discounts – Policyholders that allow companies to spy on their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
Good Student Discount – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.

A quick disclaimer, most discounts do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But all discounts will help reduce your policy cost.

To see a list of companies who offer discounts, click here.

Which insurance is cheapest?

Performing a rate comparison can be a daunting task if you aren’t aware of the best way to get rate quotes. You could waste a few hours talking to insurance companies in your area, or you can stay home and use the internet to get prices fast.

Most of the best insurance companies enroll in a system that enables customers to submit their information once, and at least one company provides a quote based on that data. This eliminates the need for quote forms for every insurance company. To find out what other companies charge click here to open in new window.

The single downside to getting quotes like this is you cannot specify which providers to get quotes from. If you wish to select specific providers to compare prices, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be sure you’re using equivalent coverages for every quote you compare. If each company quotes higher or lower deductibles it’s not possible to get a fair rate comparison.

How to lower your insurance costs

Lots of things are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, although some other factors are less obvious such as your credit history or how financially stable you are.

Is your vehicle theft-ready? – Choosing to buy a car with an alarm system can help lower your rates. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.
Lower prices with continuous coverage – Driving without insurance coverage in place is a big no-no and any future policy may cost more because you let your insurance coverage expire. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a license revocation or jail time.
Eliminate add-on coverages – There are many add-on coverages that can add up if you don’t pay attention. Insurance for roadside assistance, high-cost glass coverage, and membership fees may be wasting your money. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
Gender is a factor – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that men are worse drivers. Both genders cause fender benders at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as reckless driving.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

Will my vehicle be repaired with OEM or aftermarket parts?
Do I need higher collision deductibles?
What can I do if my company won’t pay a claim?
Do I have any recourse if my insurance company denies a claim?
What is covered by UM/UIM coverage?
Is a blown tire covered by insurance?
Can I afford to buy a different vehicle if my 1993 Nissan Altima is totaled?
Are split liability limits better than a combined single limit?
I have health insurance so do I need medical payments coverage?
Can my teen drive my company car?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Nissan Altima.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage – Med pay and PIP coverage kick in for bills like prosthetic devices, nursing services, hospital visits and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, hitting a bird, vandalism and a tree branch falling on your vehicle. 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 consider dropping full coverage.

Collision – Collision coverage will pay to fix damage to your Altima from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door, sustaining damage from a pot hole, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability car insurance – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like pain and suffering, structural damage and attorney fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Quote often and quote early

You just learned a lot of tips how to save on 1993 Nissan Altima insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the best prices are with some of the smallest insurance companies.

When buying insurance coverage, you should never skimp on coverage in order to save money. In many cases, an insured cut comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your objective should be to purchase plenty of coverage for the lowest cost.

Cheap 1993 Nissan Altima insurance is possible from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best selection. Some insurance providers do not offer rate quotes online and most of the time these smaller providers provide coverage only through local independent agencies.