View 1996 Nissan Altima Car Insurance Rates

Want lower insurance rates for your Nissan Altima? Trying to find low-cost insurance for your Nissan Altima can normally be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to shop for insurance and you need to know the proper way to compare rates for a Nissan and find the lowest possible price either online or from local insurance agents.

Locating affordable car insurance is quite easy. If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Drivers just need to know the most effective way to compare company rates over the internet.

Save money with these discounts

Car insurance companies don’t always advertise every available discount very well, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that may be available. If you do not check that you are getting every discount you deserve, you are just wasting money.

  • Discounts for Multiple Vehicles – Drivers who insure multiple cars on the same car insurance policy can reduce rates for all insured vehicles.
  • Bundle and Save – When you have multiple policies and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Distant Student – Any of your kids who are attending college and won’t have access to an insured vehicle can receive lower rates.
  • Defensive Driver – Passing a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more on medical payment and PIP coverage.

You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

A list of companies and a selection of discounts can be read below.

  • State Farm may offer discounts for student away at school, multiple autos, Steer Clear safe driver discount, multiple policy, anti-theft, and defensive driving training.
  • Liberty Mutual may have discounts that include hybrid vehicle, newly retired, preferred payment discount, new graduate, and safety features.
  • American Family may include discounts for multi-vehicle, air bags, mySafetyValet, bundled insurance, TimeAway discount, good student, and accident-free.
  • Progressive offers premium reductions for continuous coverage, online quote discount, homeowner, good student, multi-vehicle, online signing, and multi-policy.
  • Farmers Insurance offers discounts for electronic funds transfer, good student, homeowner, mature driver, and early shopping.
  • Auto-Owners Insurance policyholders can earn discounts including multi-policy, group or association, good student, anti-lock brakes, paid in full, mature driver, and paperless.
  • SAFECO discounts include safe driver, anti-lock brakes, accident prevention training, bundle discounts, drive less, teen safety rewards, and multi-car.

When quoting, ask each company to give you their best rates. Savings might not apply in your area. To see companies that can offer you the previously mentioned discounts, follow this link.

Auto insurance can be complex

When choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I getting all the discounts available?
  • Is my ex-spouse still covered by my policy?
  • Should I have combined single limit or split liability limits?
  • How do I file an SR-22 for a DUI in my state?
  • Are my friends covered when driving my 1996 Nissan Altima?
  • Do I have coverage for damage caused while driving under the influence?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Specific coverage details

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability – This protects you from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, structural damage and pain and suffering. How much coverage you buy is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a deer, hail damage, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, pain medications, doctor visits, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

Lower-priced insurance coverage can be sourced from both online companies and from local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. A few companies may not have rate quotes online and many times these small insurance companies prefer to sell through local independent agents.

Throughout this article, we presented many tips how you can shop for 1996 Nissan Altima insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest premium rates come from some of the lesser-known companies.

Consumers who switch companies do it for many reasons like unfair underwriting practices, delays in responding to claim requests, lack of trust in their agent and an unsatisfactory settlement offer. No matter why you want to switch, finding a new company is not as difficult as it may seem.

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