Compare 1999 Nissan Altima Car Insurance Cost

Want the cheapest insurance rates? Drivers have options when trying to find low-cost Nissan Altima insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to find the lowest rates. There are both good and bad ways to shop for insurance and you need to know the proper way to price shop coverage for your Nissan and get the cheapest rates either online or from local insurance agents.

It is always a good idea to compare prices on a regular basis because insurance prices are constantly changing. Even if you think you had the lowest rates for Altima coverage a year ago other companies may now be cheaper. Forget all the misinformation about insurance because I’m going to teach you the proper way to properly buy coverages and cut your premium.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. The purpose of this article is to instruct you on how car insurance quotes work and some money-saving tips. Drivers just need to understand the proper way to shop their coverage around on the web.

How to buy insurance coverage online

There are a lot of ways to compare insurance coverage quotes, and some are easier and takes less work. You could spend your day discussing policy coverages with agents in your area, or you can utilize the web for quick rates.

Most of the best insurance companies participate in a marketplace where prospective buyers submit their information once, and each participating company returns a competitive quote for coverage. This system prevents you from having to do quotation requests to each individual insurance coverage company.

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

The only downside to using this type of form is that consumers can’t choose the companies to get quotes from. If you prefer to choose individual companies to compare, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you compare apples-to-apples quote data on every price quote you get. If the quotes have differing limits it will be next to impossible to make a fair rate comparison.

Insurance policy discounts you can’t miss

Insurance is not inexpensive, but companies offer discounts to cut the cost considerably. Some of these disounts will be visible when you quote, but some must be specifically requested before you will receive the discount.

• Early Signing – A few insurance companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
• Cautious Driver Discounts – Insureds without accidents may save up to 50% more for Altima coverage than drivers with accident claims.
• Mature Driver Discount – Drivers that qualify as senior citizens can get a discount up to 10% for Altima coverage.
• Low Miles Discount – Driving less could be rewarded with better prices on cars that stay parked.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
• Accident Forgiveness Coverage – Not really a discount, but a handful of insurance companies will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.

Don’t be shocked that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

If you would like to see a list of insurers that offer multiple discounts, click this link.

Insurance agents can help

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

• How much liability do I need to cover my assets?
• Am I covered when delivering products for my home-based business?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can my teen driver be rated on a liability-only vehicle?
• Can I still get insurance after a DUI?
• I have health insurance so do I need medical payments coverage?
• What is no-fault insurance?
• Is my vehicle covered by my employer’s policy when using it for work?
• Should I buy only the required minimum liability coverage?
• What is PIP insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision – This coverage pays for damage to your Altima from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, rolling your car, crashing into a ditch, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for doctor visits, pain medications, dental work and ambulance fees. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, fire damage, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – This can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as loss of income, structural damage and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.