How Much Does 2009 Nissan Altima Car Insurance Cost?

Searching for better insurance rates for your Nissan Altima? Scraping up a payment for overpriced Nissan Altima insurance can take a big chunk out of your bank account, especially in this economy. Doing a price comparison is a great way to cut your insurance bill. Since consumers have many insurance companies to choose from, it can be hard to locate the right car insurance company.

The best way we recommend to compare rate quotes takes advantage of the fact most of the larger companies actually pay money for the chance to give you rate quotes. The one thing you need to do is provide a little information like if you lease or own, the type of vehicles you drive, how much school you completed, and your general credit rating. That information gets transmitted to multiple companies and you get price estimates very quickly.

To compare rates now, click here and enter your zip code.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How does medical payments coverage work?
  • Should I waive the damage coverage when renting a car?
  • Is there coverage for injuries to my pets?
  • How do I insure my teen driver?
  • Does coverage extend to my business vehicle?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Auto insurance coverages explained

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, dental work and prosthetic devices. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance can cover damage that occurs to other’s property or people. It protects you from claims by other people, 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. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, attorney fees, pain and suffering, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, hitting a bird, vandalism, rock chips in glass and falling objects. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2009 Nissan Altima.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.