How Much Does 2014 Nissan Altima Insurance Cost?

Overpriced Nissan Altima insurance can dwindle your savings account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates.

It’s a good idea to get comparison quotes quite often since rates fluctuate regularly. Just because you found the best price for Altima insurance a couple years back you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

Finding affordable coverage is not rocket science. If you have insurance now or are looking for a new policy, you can learn to get lower rates and still get good coverage. Drivers just need to understand the proper way to buy insurance coverage online.

Which Auto Insurance is Cheapest?

All major auto insurance companies like 21st Century, Allstate and State Farm allow you to get prices on the web. Obtaining pricing is pretty easy as you simply type in your coverage preferences as requested by the quote form. After you submit the form their rating system automatically retrieves your credit score and driving record and generates pricing information based on these and other factors. This simplifies rate comparisons, but having to visit multiple sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you want to find better prices.

The easy way to compare rates

The preferred way to locate the lowest prices makes use of a single form to get prices from several different companies. It’s a real time-saver, requires less work, and makes rate comparisons a lot less work. After sending your information, it gets priced with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process can be completed in a matter of minutes and can result in significant savings.

To find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter the coverages exactly as shown on your declarations page. Doing this assures you will have rate comparison quotes based on similar coverages.

Advertising myths

Consumers can’t get away from ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. They all have a common claim about savings after switching your coverage to them.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of driver that is profitable for them. A good example of a driver they prefer might be profiled as a mature driver, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for these standards will have to pay higher prices and ends up with business not being written. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently make those claims. Because of the profiling, you absolutely need to get quotes from several different companies. Because you never know the company that will have the lowest Nissan Altima insurance rates.

Nissan Altima insurance premiums are calculated by many factors

It’s important that you understand the different types of things that play a part in calculating auto insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Liability coverage protects you – Liability coverage is the protection when you are found liable for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Where you live – Residing in a small town can save you money when it comes to auto insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Fewer drivers means reduced accidents and a lower car theft rate.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Extra coverages can waste money – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Nissan Altima earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • More claims means more premium – If you are a frequent claim filer, you can look forward to higher rates. Auto insurance companies provide discounts to people who file claims infrequently. Insurance coverage is intended for larger claims.

Save with discounts on Nissan Altima insurance

Companies offering auto insurance do not list every discount in a way that’s easy to find, so we break down both the well known and also the lesser-known car insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • E-sign – Some insurance companies may give you up to $50 just for signing your application on their website.
  • College Student – Children who live away from home and do not have a car can be insured at a reduced rate.
  • Driver Safety – Completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts of 20% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.

Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free car insurance policy, companies don’t profit that way.

A partial list of companies that possibly offer these benefits are:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not be offered in your area.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you will benefit from professional help.

  • Am I covered if hit by an uninsured driver?
  • Which is better, split liability limits or combined limits?
  • Is my trailer covered?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is pleasure use cheaper than using my 2014 Nissan Altima to commute?
  • When do I need to add a new car to my policy?
  • Am I covered when driving in Canada or Mexico?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance policy specifics

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, scraping a guard rail, damaging your car on a curb, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, damage from getting keyed, a broken windshield and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and 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 a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for pain medications, hospital visits and doctor visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance protects you from damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much coverage you buy is up to you, but buy higher limits if possible.

Have money to burn

We just showed you some good ideas how to lower your 2014 Nissan Altima insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.

Lower-priced insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

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