2010 Nissan Altima Car Insurance Rates

Having to pay for overpriced Nissan Altima insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is a great way to make sure you’re not throwing money away.

Lots of insurers contend for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest rate

If you have car insurance now, you should be able to cut costs considerably using these tips. Finding affordable coverage is not that difficult. Although car owners do need to understand how companies price insurance differently.

Don’t overlook these discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you quote, but a few need to be specifically requested prior to getting the savings.

  • Safety Course Discount – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Altima coverage with select insurance companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Auto/Home Discount – When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance for Altima coverage.
  • Save over 55 – Older drivers can possibly qualify for a small decrease in premiums for Altima coverage.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Altima coverage than drivers with accident claims.
  • Homeowners Savings – Owning a house may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Resident Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.

It’s important to understand that most discount credits are not given to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

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

Vehicle Insurance Comparison

There are a variety of methods to shop for 2010 Nissan Altima auto insurance, but there is one way that is less time-consuming than others. You can spend your afternoon talking to local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Many popular insurance companies take part in a program where prospective buyers send in one quote, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests to each company. To find out how much you’re overpaying now click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify which insurance companies to receive prices from. If you would rather choose specific providers to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using identical coverages and limits for each price quote. If you compare mixed coverages it will be very difficult to find the best deal for your Nissan Altima. Having just a slight variation in limits can mean a large discrepancy in price. And when quoting auto insurance, remember that getting more free quotes gives you a better chance of getting a lower rate.

Is my situation unique?

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I benefit by insuring my home with the same company?
  • How much liability do I need to cover my assets?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need PIP coverage since I have good health insurance?
  • How can I force my company to pay a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are my friends covered when driving my car?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Liability

Liability insurance can cover injuries or damage you cause to a person or their property. This coverage protects you against claims from 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 might see 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 property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as legal defense fees, medical expenses, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2010 Nissan Altima.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Collision coverage

Collision insurance pays for damage to your Altima from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses like nursing services, ambulance fees, prosthetic devices, EMT expenses and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, hail damage and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Have the Midas touch

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed comprehensive coverage or liability limits only to find out that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just presented a lot of techniques to get a better price on 2010 Nissan Altima insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

The cheapest insurance is available on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance companies don’t offer online quoting and these small insurance companies work with independent agents.

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