1995 Nissan Altima Insurance Cost

Searching for low-cost insurance for a new or used Nissan Altima can normally be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a Nissan and locate the best price possible either online or from local insurance agents.

If you have insurance now or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Locating affordable coverage is not that difficult. Drivers only need to know the tricks to shop their coverage around online.

Automobile Insurance Quotes

Getting a lower price on 1995 Nissan Altima insurance is not rocket science. You just need to take a few minutes to compare quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  1. The first (and easiest) way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate forms for each company. A single, simple form gets rate comparisons from all major companies. It’s the fastest way to compare.
  2. A different way to shop for auto insurance online is spending the time to visit each company website to request a price quote. For instance, we’ll assume you want to compare USAA, State Farm and American Family. To get each rate you have to go to every website and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but compare exactly the same quote information for each comparison quote. If you have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Nissan Altima.

Discounts mean cheaper Nissan Altima insurance rates

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. A few discounts will automatically apply when you get a quote, but some must be asked about before they will apply. If you don’t get every credit you deserve, you are paying more than you should be.

  • Drive Less and Save – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up if you are claim-free prior to the accident.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Altima coverage than less cautious drivers.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Resident Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Altima coverage.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free insurance policy, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

To see a list of insurance companies with discount insurance rates, click here to view.

Nissan Altima rates are complex

Consumers need to have an understanding of the rating factors that help determine your insurance coverage rates. Knowing what determines base rates helps enable you to make changes that can help you get better insurance coverage rates.

  • A clean driving record saves money – Drivers with clean records get better rates than people who have multiple driving citations. Even one speeding ticket may increase your cost by as much as thirty percent. If you have severe violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
  • Too many insurance coverage claims drive up costs – If you tend to file frequent claims, you can expect higher rates. Car insurance companies provide better rates to insureds who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pay less if you’re married – Having a wife or husband helps lower the price when buying insurance coverage. Having a significant other is viewed as being more mature and statistics show drivers who are married are more cautious.
  • Your location affects your rates – Living in a rural area is a positive aspect when it comes to insurance coverage. City drivers have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents.

Tailor your coverage to you

When it comes to buying coverage, there really is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when driving on a suspended license?
  • What exactly is covered by my policy?
  • Does medical payments coverage apply to all occupants?
  • Where can I get insurance after a DUI in my state?
  • What can I do if my company denied a claim?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Ads can be misleading

Drivers can’t ignore all the ads for car insurance savings from the likes of Allstate and Progressive. They all make an identical promise that you’ll save big if you move your coverage to them.

How do they all say the same thing?

All companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer could possibly be over the age of 40, owns a home, and chooses high deductibles. A driver who fits that profile gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who don’t meet these standards will be charged higher prices which leads to business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently claim big savings.

That is why drivers should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Nissan Altima insurance.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Nissan Altima.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, hitting a deer, hail damage and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like pain and suffering, medical services, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills such as EMT expenses, dental work, pain medications and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

The bottom line

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice full coverage only to find out that they should have had better coverage. Your strategy should be to purchase plenty of coverage at a price you can afford.

Low-cost 1995 Nissan Altima insurance can be found both online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Drivers switch companies for a variety of reasons including unfair underwriting practices, policy non-renewal, questionable increases in premium and policy cancellation. It doesn’t matter why you want to switch finding the right car insurance provider is not as hard as you think.

Other information