2007 Nissan Altima Insurance Quotes

Are you a victim of an underperforming, overpriced insurance coverage policy? Trust us, you’re not alone.

There are many car insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to find a good deal.

Consumers need to take a look at other company’s rates at least once a year since rates are adjusted regularly by insurance companies. Just because you found the lowest price on Altima insurance six months ago there may be better deals available now. So forget anything you know (or think you know) about insurance coverage because it’s time to teach you the best methods to properly buy coverages and cut your premium.

Vehicle Insurance Comparison

There are several ways to compare rate quotes from local auto insurance companies. The recommended way to find the lowest 2007 Nissan Altima rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form saves time by eliminating separate quote forms for every auto insurance company. A single, simple form gets you coverage quotes from all major companies.
  2. A more difficult way to find lower rates is spending the time to visit each company website to complete a price quote. For examples sake, let’s say you want rates from USAA, Allstate and Geico. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming way to get comparison rates is to waste gas driving to local insurance agencies. The internet has reduced the need for local agents unless you want the personal advice of a licensed agent. Drivers can price shop online and still use a local agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just be sure to compare the exact same coverages for each comparison quote. If each company quotes different liability limits it’s not possible to make a fair comparison for your Nissan Altima. Quoting even small variations in coverages may result in a large different in cost. Just keep in mind that having more price comparisons helps locate lower pricing.

Don’t be fooled by advertising claims

Insurance coverage companies such as Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing that you’ll save big if you switch to their company. How can each company claim to save you money?

All the different companies have a preferred profile for the right customer that is profitable for them. For example, a driver they prefer could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside the “perfect” profile will be charged higher prices and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that kind of money. That’s why companies can truthfully make the claims of big savings. That is why you absolutely need to get a wide range of price quotes. It’s impossible to know the company that will have the lowest Nissan Altima insurance rates.

Lesser-known factors impacting Nissan Altima insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are some of the items that factor into your rates.

  • Keep rates low by being claim-free – Insurance companies give lower rates to policyholders who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Men fork out a little more – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
  • Adjust deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. A few examples of covered claims are collision with another vehicle, damage caused by hail, or theft. Your deductibles are how much you are required to spend in the event of a claim. The more money you have to pay, the less your company will charge you for insurance on Altima insurance.
  • Policy add-ons can waste money – There are many add-on coverages you can purchase if you aren’t careful. Coverages like vanishing deductibles, better glass coverage and additional equipment coverage may be wasting your money. They may seem good initially, but now you might not need them so get rid of them and save.
  • Car features impact rates – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Do you qualify for a multi-policy discount? – Some insurance companies will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even if you’re getting this discount it’s in your best interest to compare rates to ensure the best deal.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Nissan Altima scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Get lower rates on 2007 Nissan Altima insurance

Companies don’t list every available discount very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using.

  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Altima insurance with select insurance companies.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Drivers Education – Have your child complete a driver education course in high school.
  • Organization Discounts – Being a member of a civic or occupational organization could qualify you for a break when buying insurance coverage on Altima insurance.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. Just because you may think you can get free auto insurance, it just doesn’t work that way.

A partial list of companies who might offer some of the above discounts are:

Double check with each company what discounts are available to you. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help highlight if you would benefit from professional advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • What is medical payments coverage?
  • Does coverage extend to my business vehicle?
  • Is my 2007 Nissan Altima covered for flood damage?
  • How much liability do I need to cover my assets?
  • When should I not file a claim?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered when using my vehicle for business?
  • If my 2007 Nissan Altima is totaled, can I afford another vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as loss of income, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses like surgery, ambulance fees, X-ray expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle 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 2007 Nissan Altima.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance coverage 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 claims such as hail damage, hitting a deer and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t throw your cash in the trash

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

We just covered many ways to save on 2007 Nissan Altima insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance comes from a small mutual company. They may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

Additional insurance information is located on the following sites: