1996 Nissan Altima Insurance Quotes – 9 Ways to Save

Trying to find cheaper insurance coverage rates for your Nissan Altima? No one enjoys paying for insurance coverage, especially when their premiums are too high. Many insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer and uncover the absolute cheapest price

Free Quotes for Insurance Coverage

All the larger insurance coverage companies quote prices directly from their websites. Getting online quotes is pretty easy as you just type in the amount of coverage you want as requested by the quote form. After you complete the form, the system will order your credit score and driving record and provides a quote. Online quotes makes comparing rates easy, but the time required to go to multiple sites and complete many quote forms can be a bit repetitive. But it is imperative to have as many quotes as possible if you want to find lower prices.

There is a better way!

The preferred way to compare insurance coverage pricing uses one form that gets price quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online shopping much more enjoyable and efficient. After sending the form, it is quoted with multiple companies and you can pick any one of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase coverage. It can be completed in less than 10 minutes and may result in a nice savings.

To use this form to compare rates, click here to open in new window and enter your information. If you have a policy now, it’s recommended you duplicate the coverage information exactly as they are listed on your policy. This makes sure you are getting an apples-to-apples comparison using the same coverage and limits.

Different people need different coverages

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if you may require specific advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need replacement cost coverage?
  • Are split liability limits better than a combined single limit?
  • Do I need rental car coverage?
  • Why does it cost so much to insure a teen driver?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance specifics

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, doctor visits, pain medications and hospital visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – Collision coverage will pay to fix damage to your Altima caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hitting a deer and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.