How Much Does 2012 Nissan Altima Car Insurance Cost?

Want the cheapest car insurance rates for your Nissan Altima? Are you irritated from scraping the payment together to pay car insurance each month? You’re in the same situation as most other consumers.

Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to find the lowest rate possible.

You should take the time to compare prices before your policy renews since rates are variable and change quite frequently. Just because you found the lowest premium rates on Altima coverage at your last renewal you will most likely find a better price today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to one of the easiest ways to properly buy coverages while reducing your premium.

How to lower your insurance cost

Most major insurance companies like GEICO, State Farm and Progressive make it easy to get prices for coverage online. This process is fairly straightforward as you just enter your coverage preferences into the quote form. Once entered, the company’s rating system will order your credit score and driving record and returns a price based on many factors. Online price estimates helps simplify price comparisons, but the work required to visit multiple sites and complete many quote forms is a big time waster. But it’s necessary to compare as many rates as possible if you are searching for a better rate.

There is a better way!

An easier way to lower your insurance bill is to use a quote form to return rates from several different companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much more efficient. As soon as the form is sent, it gets priced and you are able to buy any or none of the quotes that you receive. If you find a better price you simply finish the application and buy the new coverage. This process just takes a couple of minutes and could lower your rates considerably.

To quickly find out how much you can save on insurance, click here to open in new window and enter your information. If you have coverage now, it’s recommended you duplicate the coverage information as close as possible to your current policy. This guarantees you’re receiving a rate comparison using the exact same coverages.

Why informed consumers pay less for Nissan Altima insurance

When buying insurance it’s important to understand the rating factors that come into play when calculating your policy premiums. When you understand what influences your rates, this allows you to make educated decisions that will entitle you to lower premium levels. Lots of things are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, although some other factors are more obscure like your vehicle usage or your financial responsibility.

Better insurance rates on safer cars – Vehicles with good safety scores are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
Raise coverage deductibles and save – Comp and collision deductibles are how much the insured will be required to pay if you file a covered claim. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. A few examples of covered claims are a windshield broken by a bird, damage caused by hail, and damage caused by road hazards. The more damage repair cost the insured is willing to pay, the bigger discount you will receive on Altima coverage.
Buy as much liability coverage as you can afford – Your policy’s liability coverage will provide protection if you are determined to be liable for causing damage or personal injury in an accident. It provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so buy as much as you can afford.
Insure car and home with the same company – Most larger insurance companies afford better rates for people that buy multiple policies in the form of a multi-policy discount. Even if you’re getting this discount drivers will still want to shop around to help ensure you have the lowest rates. Consumers may find better rates by buying from different companies
Insurance rates for married couples – Walking down the aisle may cut your premiums when shopping for insurance. Having a significant other translates into being more mature and responsible and it’s proven that married couples file fewer claims.
Filing insurance claims can cost you more – Auto insurance companies generally give better rates to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can look forward to either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of larger claims.

Get lower rates by getting discounts

Some providers don’t necessarily list all disounts in an easy-to-find place, so the below list has both well-publicized as well as the least known credits that may apply to you.

Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings as much as 30%.
Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
No Charge for an Accident – Not a discount per se, but some companies like State Farm and Progressive permit an accident before they charge you more for coverage if you are claim-free for a certain period of time.
Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
Save with a New Car – Insuring a new car can cost up to 25% less since new vehicles are generally safer.

It’s important to note that many deductions do not apply the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies and their possible discounts include:

Travelers offers discounts including student away at school, continuous insurance, multi-car, new car, driver training, and good student.
21st Century may have discounts that include teen driver, good student, theft prevention, homeowners, 55 and older, and air bags.
State Farm offers discounts for multiple policy, Steer Clear safe driver discount, driver’s education, good student, anti-theft, and student away at school.
GEICO may include discounts for daytime running lights, anti-theft, air bags, military active duty, and multi-policy.
SAFECO may offer discounts for homeowner, drive less, teen safe driver, bundle discounts, teen safety rewards, safe driver, and multi-car.
AAA offers premium reductions for anti-theft, multi-policy, multi-car, pay-in-full, and good driver.

If you need low cost insurance coverage quotes, ask each insurance company how you can save money. Some credits might not be available to policyholders in every state. If you would like to see a list of companies with the best discounts, click here to view.

Your auto insurance coverage should be tailored to you

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if your insurance needs could use an agent’s help.

Is my Nissan Altima covered if I use it for business?
Do I get a pro-rated refund if I cancel my policy early?
Is my teen driver covered when they drive my company car?
Am I insured when driving a different vehicle?
Should I have combined single limit or split liability limits?
Who is covered when they drive my 2012 Nissan Altima?
Is pleasure use cheaper than using my 2012 Nissan Altima to commute?
Does having multiple vehicles earn me a discount?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your 2012 Nissan Altima.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, vandalism and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, hospital visits and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like driving through your garage door, hitting a mailbox, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

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

Liability insurance covers claims like medical expenses, legal defense fees, pain and suffering, emergency aid and court costs. How much coverage you buy is your choice, but consider buying as large an amount as possible.

In Summary

When searching for affordable insurance coverage quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

We just presented a lot of ways to reduce 2012 Nissan Altima insurance premium rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a lesser-known regional company. These companies may only write in your state and offer lower prices than their larger competitors like State Farm or Progressive.

Some insurance providers may not provide rate quotes online small, regional companies only sell through local independent agencies. The cheapest 2012 Nissan Altima insurance can be sourced online and also from your neighborhood agents, so you need to compare both to have the best chance of lowering rates.