1999 Nissan Altima Car Insurance Cost

Looking for cheaper auto insurance rates for your Nissan Altima? I can’t think of a single person who enjoys paying for auto insurance, in particular when their premiums are too high.

Companies like State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with fancy advertisements and it is difficult to see through the cute green geckos and mayhem and find the best price available.

If you have car insurance now, you should be able to cut costs considerably using these tips. Finding affordable coverage is quite easy. But consumers need to learn how the larger insurance companies compete online because it can help you find the best coverage.

Automobile Insurance Quotes

The are a couple different ways to compare rate quotes from insurance coverage companies in your area. The best way to compare 1999 Nissan Altima insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. Filling out one form gets rate comparisons from all major companies.
  2. A more time consuming way to compare prices is to take the time to go to the website for each individual company to complete a price quote. For instance, we’ll assume you want to compare rates from Auto-Owners, Geico and Farmers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, compare exactly the same coverage limits with every price quote. If you compare higher or lower deductibles then you won’t be able to make a fair comparison for your Nissan Altima. Quoting even small variations in limits may result in large price differences. Just remember that having more price comparisons provides better odds of finding a lower rate.

Advertising myths

Auto insurance companies such as State Farm and Allstate consistently run ads on television and other media. They all seem to make the same claim about savings if you change to them. How do they all make almost identical claims?

All companies have a certain “appetite” for the type of customer that makes them money. For instance, a preferred risk might be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” is entitled to the best price and therefore will save when they switch companies.

Consumers who don’t measure up to these standards will have to pay more money and ends up with business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much. That is how insurance companies can confidently make those claims. Because of the profiling, you need to get as many quotes as possible. You cannot predict which insurance companies will have the lowest Nissan Altima insurance rates.

Save with discounts on Nissan Altima insurance

Companies offering auto insurance don’t always publicize every available discount very well, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurance companies offering car insurance discounts, click here to view.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs may require specific advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I pay less for low miles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I owe more than I can insure my car for?
  • Am I covered if I drive in a foreign country?
  • How much liability insurance is required?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by auto insurance companies.

Collision coverage protection

Collision insurance will pay to fix damage to your Altima resulting from a 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 things such as hitting a mailbox, hitting a parking meter and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Nissan Altima.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, damage from flooding, rock chips in glass and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, surgery and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

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

Liability insurance covers things such as medical expenses, pain and suffering and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Best coverage at the best price

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability coverage limits and learned later they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Affordable 1999 Nissan Altima insurance can be purchased online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

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