Save on 1997 Nissan Altima Car Insurance Rates

Want the cheapest insurance rates for your Nissan Altima? Comparison shopping for more affordable Driversinsurance can seem to be frustrating for drivers who are beginners to shopping for insurance online. Because there are so many insurance companies available, it can quickly become more work than you anticipated to locate the lowest rates.

Smart consumers take time to compare premium rates as often as possible because prices fluctuate regularly. Just because you found the lowest quotes for Altima coverage on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance because you’re about to find out the proper way to properly buy coverages while reducing your premium.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Locating more affordable insurance coverage is simple if you know the tricks. But car owners must know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Quote car insurance online

Effectively comparing car insurance prices can be a daunting task if you don’t know the most efficient way. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Most of the best insurance companies participate in an industry program where prospective buyers enter their policy data once, and each participating company provides a quote determined by their information. This system prevents you from having to do quote forms for each company.

To find out what other companies charge click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify which carriers you want to price. So if you want to select specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, try to keep apples-to-apples coverages and limits for each price quote. If your comparisons have unequal deductibles or liability limits it will be impossible to find the best deal for your Nissan Altima. Just a small difference in coverages could skew the results. And when comparison shopping, getting more free quotes gives you a better chance of getting lower pricing. Not every company does rate quotes online, so you also need to get quotes from them, too.

Everyone needs different auto insurance coverages

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

For instance, these questions may help you determine if you would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my trailer covered?
  • Does my policy pay for OEM or aftermarket parts?
  • Why am I required to get a high-risk car insurance policy?
  • Who is covered when they drive my 1997 Nissan Altima?
  • Am I insured when driving a different vehicle?
  • Which companies will insure high-risk drivers?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my babysitter drive my car?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Knowing the specifics of car insurance helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverage

Liability insurance provides protection from damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like legal defense fees, attorney fees, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This coverage pays for damage to your Altima resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for chiropractic care, rehabilitation expenses, X-ray expenses and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.