View 2017 Nissan Altima Insurance Quotes

Pretty sure you bought high-priced car insurance? Don’t sweat it because there are lots of people in the same boat.

Due to the abundance of options when it comes to car insurance, it can be challenging to locate the right company.

Informed drivers know how to buy insurance more affordably

Multiple criteria are considered when quoting car insurance. Some of the criteria are obvious such as your driving record, but some are not quite as obvious like your continuous coverage or your vehicle rating.

The factors shown below are a partial list of the pieces used by your company to calculate your rates.

  • Does your vocation cost you more? – Jobs like doctors, executives and medical professionals tend to pay higher premium rates because of job stress and incredibly demanding work hours. Other careers like scientists, athletes and performers have lower than average premiums for Altima insurance.
  • Gender as a rate factor – Statistics demonstrate that women are safer drivers than men. However, don’t assume that females are better drivers. They both cause accidents at about the same rate, but the men get into accidents with more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • Lower premiums with continuous insurance coverage – Driving your car without having proper coverage can get your license suspended and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a revoked license or a big fine.
  • Adjust coverage deductibles and save – Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your Nissan. A few examples of covered claims would be colliding with a building, hitting a deer, and windstorm damage. Physical damage deductibles are how much you are required to spend if a covered claim is submitted. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for Altima insurance.
  • Your location is important – Choosing to live in areas with lower population can save you money when talking about insurance. City drivers tend to have more auto accidents and much longer commute distances. Fewer drivers on the road translates into fewer accidents in addition to fewer liability claims.

Compare quotes for insurance coverage

There are multiple methods to compare insurance coverage prices but some are less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

Most of the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and each participating company provides a quote. This saves time by eliminating quotation requests for every insurance coverage company.

To get comparison pricing now click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use equivalent information on every quote. If each company quotes different limits and deductibles on each one you will not be able to decipher which rate is best. Quoting even small variations in insurance coverages or limits may result in large price differences. And when comparison shopping, comparing more company’s prices increases your odds of finding the best price.

Insurance coverage companies are expert advertisers

Popular insurance coverage providers such as 21st Century, Allstate and State Farm continually stream television and radio advertisements. They all seem to make the same claim about how much you will save if you just switch your policy. How do they all have lower policy pricing? It’s all in how they say it.

Insurance companies have specific criteria for the type of driver that makes them money. An example of a preferred risk might have to be between the ages of 30 and 50, has other policies, and drives less than 7,500 miles a year. A propective insured that fits those parameters is entitled to the best price and therefore will cut their rates substantially.

Potential customers who do not match the “perfect” profile may receive higher premiums and this results in the prospect going elsewhere. The trick companies use is to say “people that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best rates.

Because of this risk profiling, it’s extremely important to compare quotes as often as possible. It’s impossible to know which company will have the best prices for your profile.

Discount auto insurance quotes

Car insurance companies do not advertise every disount available very clearly, so the list below contains a few of the more common and also the more inconspicuous credits available to bring down your rates. If you do not check that you are getting every discount available, you may be paying too high a price.

  • Accident-Free Discounts – Drivers who don’t have accidents pay less compared to accident-prone drivers.
  • Defensive Driving Course – Taking part in a defensive driver course could save 5% or more if your company offers it.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings of more than 20%.
  • Data Collection Discounts – People who choose to allow their insurance company to scrutinize their driving habits through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they have good driving habits.
  • Professional Organizations – Affiliation with a professional or civic organization may earn a discount when getting a insurance coverage quote.
  • Government Employee Discount – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage for Altima insurance with select insurance companies.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of companies and their offered discounts are included below.

  • Mercury Insurance has savings for multi-car, multi-policy, professional/association, good driver, low natural disaster claims, and type of vehicle.
  • Farmers Insurance offers discounts for early shopping, youthful driver, mature driver, alternative fuel, homeowner, and business and professional.
  • Farm Bureau offers discounts including renewal discount, driver training, multi-policy, safe driver, youthful driver, and good student.
  • State Farm includes discounts for multiple autos, accident-free, multiple policy, anti-theft, and passive restraint.
  • Allstate may offer discounts for defensive driver, anti-theft, premier discount, 55 and retired, and eSmart discount.
  • GEICO may have discounts that include military active duty, membership and employees, seat belt use, anti-theft, and multi-policy.

Check with each company or agent the best way to save money. Some discounts listed above may not apply in your area.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Is my ex-spouse still covered by my policy?
  • Should I sign the liability waiver when renting a car?
  • Can my babysitter drive my car?
  • When would I need rental car insurance?
  • Is my cargo covered for damage or theft?
  • Should I buy additional glass protection?
  • Should I bundle my homeowners policy with my auto?
  • Is my camper covered by my car insurance policy?
  • When should I remove comp and collision on my 2017 Nissan Altima?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, fire damage, damage from getting keyed, vandalism and rock chips in glass. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2017 Nissan Altima.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance will pay to fix damage to your Altima from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, rolling your car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as nursing services, pain medications, hospital visits, surgery and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as 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

A penny earned…

When searching for the cheapest insurance coverage quotes, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at the best cost but still have enough coverage for asset protection.

In this article, we covered quite a bit of information on how to get a better price on 2017 Nissan Altima insurance. The key concept to understand is the more times you quote, the better your chances of lowering your prices. Consumers could even find that the best price on car insurance is with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Discount 2017 Nissan Altima insurance is possible on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide internet price quotes and usually these smaller providers provide coverage only through local independent agencies.

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