Cheaper 2016 Nissan Altima Insurance Cost

Want lower car insurance rates for your Nissan Altima? If you’re trying to find more affordable insurance, do you get frustrated by the wide range of car insurance providers available to you? You have so many options that it can turn into a difficult challenge to compare car insurance rates.

Are you receiving every discount?

The cost of insuring your cars can be expensive, but you may qualify for discounts that can help lower your rates. Some discounts will apply at the time of quoting, but once in a while a discount must be manually applied prior to receiving the credit.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Life Insurance Discount – Select insurance carriers reward you with a lower price if you buy auto and life insurance together.
  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less on Altima insurance as compared to drivers with claims.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Own a Home and Save – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control prevent accidents and will save you 10% or more.

It’s important to understand that some of the credits will not apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, nobody gets a free ride.

Popular auto insurance companies and their offered discounts include:

  • State Farm includes discounts for multiple autos, good driver, Steer Clear safe driver discount, anti-theft, defensive driving training, student away at school, and safe vehicle.
  • Farmers Insurance offers premium reductions for teen driver, youthful driver, good student, mature driver, distant student, and multi-car.
  • Progressive has discounts for homeowner, multi-vehicle, continuous coverage, multi-policy, and online signing.
  • GEICO offers discounts for emergency military deployment, driver training, anti-theft, anti-lock brakes, and federal employee.
  • Auto-Owners Insurance policyholders can earn discounts including anti-lock brakes, safe driver, student away at school, air bags, and company car.
  • The Hartford may include discounts for good student, vehicle fuel type, defensive driver, bundle, air bag, anti-theft, and driver training.
  • Farm Bureau discounts include multi-vehicle, good student, safe driver, 55 and retired, and multi-policy.
  • USAA offers discounts including safe driver, vehicle storage, good student, loyalty savings, and new vehicle.

When getting a coverage quote, ask each insurance company what discounts are available to you. Some discounts listed above might not apply in your area.

Get cheap insurance prices by understanding these factors

Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but some are less obvious like where you live or your financial responsibility.

  • Low physical damage deductibles can be expensive – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply are a broken side mirror, hitting a deer, and rolling your vehicle. Physical damage deductibles are how much you are required to pay if a covered claim is submitted. The more damage repair cost you pay before a claim is paid (deductible), the bigger discount you will receive on Altima insurance.
  • Drivers with good credit save – An insured’s credit score will be a significant factor in determining what you pay. Insureds with very high credit ratings tend to be less risk to insure than those with bad credit. So if your credit rating is not that good, you could save money insuring your 2016 Nissan Altima if you improve your credit rating.
  • Maintain car insurance coverage – Not having insurance is a misdemeanor and as a result your rates will increase for letting your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Traffic violations increase premiums – A bad driving record influences premium rates substantially. Drivers with clean records pay lower auto insurance prices compared to bad drivers. Getting just one driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers with license-revoking violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
  • Discounts for alarms and GPS tracking – Driving a car with advanced anti-theft systems can get you a discount on your car insurance. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
  • Teenagers are high risk – Teen drivers are proven to be inattentive when driving with friends therefore car insurance rates are much higher. Older insureds are more cautious drivers, statistically cause fewer accidents .
  • Bundle policies with the same company – Most major companies allow better rates to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s still a good idea to shop around to verify if the discount is saving money.

When in doubt talk to an agent

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions might point out whether or not you might need professional guidance.

  • Are my friends covered when driving my car?
  • Is my state a no-fault state?
  • How much liability coverage do I need in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Which companies will insure high-risk drivers?
  • I have health insurance so do I need medical payments coverage?
  • At what point should I drop full coverage?
  • Am I covered when driving on a suspended license?
  • What can I do if my company won’t pay a claim?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Is there truth in advertising?

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run television, radio, and online ads. All the companies make the point that drivers will save a bundle if you get a free insurance quote and switch to them. Is it even possible that every company can make the same claim? You have to listen carefully.

Different companies can use profiling for the type of driver that will add to their bottom line. An example of a preferred risk might have to be between the ages of 30 and 50, has no claims, and insures a new vehicle. A driver who meets those qualifications will get low auto insurance rates and therefore will save when switching.

People who cannot meet this stringent profile may be forced to pay higher premium rates and ends up with the customer not purchasing. The trick is to say “drivers who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently lure you into getting a quote. This really drives home the point why you really should get insurance quotes from several different companies. Because you never know which insurance companies will have the best prices at this point in time.

Car insurance coverage considerations

Understanding the coverages of car insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision insurance

Collision coverage covers damage to your Altima resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a mailbox, crashing into a ditch, driving through your garage door, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

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 losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Altima.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses such as pain medications, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, rock chips in glass, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Shop Smart and Save

Drivers leave their current company for a number of reasons such as questionable increases in premium, an unsatisfactory settlement offer, being labeled a high risk driver or extreme rates for teen drivers. Whatever your reason, finding a new insurance coverage company is less work than it seems.

In this article, we covered many ways to reduce 2016 Nissan Altima insurance rates online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the biggest savings come from the least-expected company.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured dropped collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price and still be able to protect your assets.

More detailed insurance coverage information can be found by following these links: