2017 Nissan Altima Car Insurance Quotes – 5 Ideas for Best Rates

Searching for lower auto insurance rates for your Nissan Altima? Locating low-cost insurance for a Nissan Altima can be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to compare rates for a Nissan and get the lowest price either online or from local insurance agents.

How to buy car insurance online

Reducing your 2017 Nissan Altima insurance rates is pretty simple and can save money. Drivers just need to take time comparing rate quotes to find the company with low cost insurance coverage quotes. Rate comparisons can be done by using one of the methods below.

The easiest and least time consuming way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form keeps you from doing a different quote for each company you want a rate for. One quote request gets coverage cost estimates from multiple companies. Recommended for those who want to invest the least amount of time.

A more difficult way to compare prices requires a trip to each company website and complete a new quote form. For examples sake, we’ll assume you want rates from Allstate, State Farm and GMAC. In order to get each rate, you would have to spend time going to each site individually and type in your information over and over, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using apples-to-apples coverage limits on every quote. If you have higher or lower deductibles you will not be able to truly determine the lowest rate.

Don’t overlook these five insurance coverage discounts

Some providers don’t list every discount very clearly, so the list below gives a summary of both the well known and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off on Altima insurance with certain companies.
  • New Vehicle Savings – Buying a new car model can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Good Students Pay Less – Excelling in school may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.
  • Own a Home – Just being a homeowner can save you money because it is proof of financial responsibility.
  • Pay Early and Save – By making one initial payment rather than paying monthly you can actually save on your bill.

We need to note that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies with significant discounts, click here to view.

When to get professional advice

When buying the right insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I rent a car in Mexico?
  • Are rental cars covered under my policy?
  • Will filing a claim cost me more?
  • Is upholstery damage covered by car insurance?
  • What discounts do I qualify for?
  • Is my cargo covered for damage or theft?
  • What if I total my 2017 Nissan Altima and owe more than it’s worth?
  • Is my teenager covered with friends in the car?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance 101

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, dental work, X-ray expenses, prosthetic devices and pain medications. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Altima.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision insurance

Collision coverage covers damage to your Altima caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, sideswiping another vehicle, rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property. 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 might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects and fire damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.