Save on 2003 Nissan Altima Insurance Cost

Trying to find better auto insurance rates for your Nissan Altima? Trying to come up with a payment for high-priced auto insurance can consume your budget and put a big crunch on your finances. Performing a rate comparison is a smart way to make ends meet.

Companies like Progressive, State Farm and GEICO continually hit you with ad campaigns and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Smart consumers take time to check auto insurance prices quite often because auto insurance prices fluctuate regularly. Even if you think you had the lowest rates on Altima coverage last year the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because we’re going to show you the fastest and easiest way to remove unneeded coverages and save money.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the proper way to compare company rates on the web.

How to compare free car insurance quotes

All the larger car insurance companies such as Progressive, Allstate and GEICO allow you to get price estimates directly from their websites. Obtaining pricing is fairly simple as you just type in into a form. After you submit the form their rating system automatically orders credit information and your driving record and generates pricing information. Online price estimates makes comparing rates easy, but the process of having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s also necessary to perform this step in order to find the best price possible.

Isn’t there an easier way to compare rates?

The preferred way to find cheaper rates uses just one form that analyzes rates from several different companies. This type of form saves time, eliminates form submissions, and makes price shopping online a lot less work. After your information is entered, it is rated and you are able to buy any one of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process only takes a few minutes and you will find out if you’re overpaying now.

To quickly compare rates using this form now, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you duplicate the coverages identical to your current policy. Doing this assures you will get a fair comparison for exact coverage.

Auto insurance discounts help slash rates

Companies don’t list every discount they offer very well, so the next list breaks down both well-publicized and also the more inconspicuous auto insurance savings.

  • Pay Early and Save – By paying your policy upfront rather than spreading payments over time you can avoid the installment charge.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance.
  • Driving Data Discount – Drivers who elect to allow their insurance company to analyze driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
  • Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less since newer models are generally safer.
  • E-sign Discounts – Many companies may give you up to $50 for buying your policy online.
  • Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction on Altima coverage depending on your auto insurance provider.
  • Waiver for an Accident – This one is not really a discount per se, but some companies like Allstate and State Farm will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

Remember that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, you aren’t that lucky.

Large auto insurance companies and their possible discounts are detailed below.

  • GEICO may include discounts for air bags, five-year accident-free, driver training, anti-theft, multi-vehicle, and defensive driver.
  • MetLife offers premium reductions for defensive driver, multi-policy, claim-free, good student, and accident-free.
  • State Farm offers discounts including good student, student away at school, driver’s education, multiple policy, Drive Safe & Save, and defensive driving training.
  • Progressive discounts include good student, multi-policy, online signing, multi-vehicle, and homeowner.
  • Mercury Insurance has discounts for multi-car, type of vehicle, professional/association, age of vehicle, low natural disaster claims, ease of repair, and accident-free.
  • 21st Century offers discounts for good student, theft prevention, driver training, anti-lock brakes, and student driver.
  • Allstate may have discounts that include resident student, passive restraint, senior citizen, defensive driver, utility vehicle, and FullPay discount.

When getting free insurance coverage quotes, it’s a good idea to every prospective company how many discounts you can get. Depending on the company, some discounts may not be available in your area. If you would like to choose from a list of insurance companies that offer the discounts shown above, click this link.

Which is the best auto insurance?

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Do all my vehicles need collision coverage?
  • What is UM/UIM insurance?
  • What is covered by UM/UIM coverage?
  • Should I sign the liability waiver when renting a car?
  • How do I insure my teen driver?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Insurance policy coverages for a Nissan Altima

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from flooding, theft and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, nursing services and pain medications. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Altima from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, rolling your car, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they 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 many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently these limits are similar to your liability insurance amounts.

Liability auto insurance

Liability insurance will cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as bail bonds, emergency aid and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.