View 2011 Nissan Altima Insurance Quotes

Shoppers have many options when shopping for low-cost Nissan Altima insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons.

There is a better way to compare insurance coverage rates and we’ll show you the absolute fastest way to quote coverages for a new or used Nissan and obtain the best price possible from local insurance agents and online providers.

You need to get comparison quotes once or twice a year because prices fluctuate regularly. Despite the fact that you may have had the best rates on Altima insurance last year you will most likely find a better rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Vehicle owners just need to know the most effective way to get comparison quotes online.

How to Get Insurance

There are several ways to compare Nissan Altima insurance prices but one way is less labor-intensive and much quicker. You could spend your day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Many insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company then gives them pricing based on that information. This prevents consumers from doing quotation requests for each company you want a rate for. To enter your information into the quoting system, click here to start a free quote.

One minor caviat to using this type of system is that consumers can’t choose which companies you will receive quotes from. So if you want to select individual companies for rate comparison, we put together a list of insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same coverage limits and deductibles on every quote you get. If the quotes have different values for each quote then you won’t be able to determine which rate is truly the best.

Take discounts and save

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you get a quote, but less common discounts must be requested specifically before you will receive the discount. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • No Charge for an Accident – Certain companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Defensive Driving Course – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Student in College – Kids in college who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Drivers Ed for Students – Have your child enroll in driver’s education in high school.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.

It’s important to note that some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will reduce your overall premium however.

To see a list of providers who offer insurance discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How does medical payments coverage work?
  • Is my Nissan Altima covered if I use it for business?
  • What discounts do I qualify for?
  • Do I need higher collision deductibles?
  • Where can I find DUI or SR-22 insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Insurance coverage options for a Nissan Altima

Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. 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 rock chips in glass, damage from a tornado or hurricane, vandalism, damage from getting keyed and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance – This coverage can cover damage or injury you incur to a person or their property. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan Altima.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

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

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as EMT expenses, rehabilitation expenses and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage