Want lower auto insurance rates for your Nissan Altima? Have you fallen victim to overpriced auto insurance? Trust us, there are many consumers feeling the pinch from expensive auto insurance.
You have multiple insurers to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.
It’s a good habit to check auto insurance prices periodically since insurance rates change regularly. Just because you had the lowest price on Altima coverage last year there is a good chance you can find better rates now. Ignore everything you know about auto insurance because you’re about to find out the proper way to find better coverage at a better price.
Choosing the best insurance company for you is not rocket science. In a nutshell, every driver who carries auto insurance will more than likely be able to find lower rates. Although consumers can benefit from knowing the methods companies use to market on the web because it can help you find the best coverage.
Most companies like Progressive, Allstate and Geico give prices on their websites. Obtaining pricing is quite simple as you just type in the amount of coverage you want into the quote form. Once entered, their rating system gets your driving record and credit report and generates a price. This makes comparing rates easy, but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to perform this step if you are searching for better prices.
Quote rates the easy way
The smarter way to find cheaper rates uses one simple form that obtains quotes from several different companies. This type of form saves time, reduces the work, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you are able to buy any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.
To get comparison pricing now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you copy the insurance coverages as close as possible to your current policy. Doing this guarantees you will receive a price comparison using the same coverage and limits.
When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine if your situation will benefit from professional help.
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Understanding the coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most auto insurance policies.
Comprehensive coverage
This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like rock chips in glass, hitting a bird and fire damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical payments coverage and PIP
Med pay and PIP coverage pay for immediate expenses like pain medications, funeral costs and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Collision coverage protection
This coverage will pay to fix damage to your Altima from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers things like colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2004 Nissan Altima.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.
Liability coverages
This protects you from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims like loss of income, funeral expenses, pain and suffering, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.