Cheaper 2018 Nissan Altima Car Insurance Quotes

Looking for better insurance rates for your Nissan Altima? High-priced Nissan Altima insurance can draw down your savings account and maybe even restrict other spending.

You have so many insurers to pick from, and though it is a good thing to be able to choose, it can be more difficult to find a good deal.

This information will help educate you on the best way to quote coverages. If you have car insurance now, you will most likely be able to save some money using this strategy. But drivers need to learn how big insurance companies sell insurance online and use this information to your advantage.

Insurance coverage policy discounts you can’t miss

Not many people think insurance is cheap, but you may qualify for discounts that could help you make your next renewal payment. Many discounts should be triggered at the time you complete a quote, but a few must be asked about before you will receive the discount. If you’re not getting every credit you qualify for, you are just wasting money.

  • Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings of more than 20%.
  • Low Miles Discount – Keeping the miles down on your Nissan may enable drivers to earn discounted prices on garaged vehicles.
  • Discount for Home Ownership – Owning a house can get you a discount because it shows financial diligence.
  • Military Deployment Discount – Having a deployed family member may lower your insurance coverage rates slightly.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Online Discount – Some insurance companies will give you a small discount for buying your policy on the web.

A little disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will bring down your policy premiums.

Larger insurance coverage companies and some of the premium reductions they offer are detailed below.

  • Progressive may offer discounts for homeowner, continuous coverage, online signing, multi-policy, multi-vehicle, and online quote discount.
  • MetLife policyholders can earn discounts including good driver, claim-free, multi-policy, defensive driver, and accident-free.
  • Mercury Insurance may include discounts for anti-theft, location of vehicle, multi-car, age of vehicle, good student, accident-free, and professional/association.
  • Nationwide discounts include family plan, multi-policy, business or organization, Farm Bureau membership, accident-free, and easy pay.
  • Geico offers discounts including anti-lock brakes, driver training, membership and employees, good student, emergency military deployment, and defensive driver.
  • AAA may have discounts that include pay-in-full, AAA membership discount, multi-car, multi-policy, anti-theft, good driver, and education and occupation.

Before you buy a policy, ask all the companies the best way to save money. All car insurance discounts may not apply to policyholders in every state. To view providers with the best insurance coverage discounts, click this link.

Lower your insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that aid in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that will entitle you to lower rates. Lots of factors are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but other criteria are not as apparent such as your credit history or your vehicle rating.

  • Multiple policies with one company – Most insurers afford a discount for people that have more than one policy such as combining an auto and homeowners policy. The discount can add up to five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to compare other insurance prices to guarantee you are still saving the most. You may still find a better deal by insuring with multiple companies.
  • Marriage is a bonus – Walking down the aisle may cut your premiums on your auto insurance policy. Having a spouse is viewed as being more mature and it’s proven that married couples file fewer claims.
  • Careless drivers pay higher rates – A bad driving record has a huge affect on how much you pay. Even one ticket could increase your next policy renewal twenty percent or more. Careful drivers pay lower auto insurance prices than their less careful counterparts. Drivers who get severe tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to legally drive.
  • Do safer cars cost less to insure? – Vehicles with good safety scores cost less to insure. Safe vehicles reduce occupant injuries and any reduction in injury severity means your insurance company pays less and lower rates for you. If your Nissan has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • High credit equals lower premiums – Having a bad credit history can be a huge factor in calculating your premium rate. Insureds that have excellent credit scores tend to be more responsible than drivers with bad credit. If your credit history is lower than you’d like, you could be paying less to insure your 2018 Nissan Altima by improving your credit score.
  • Rental and towing coverage may not be needed – There are quite a few optional add-on coverages that can waste your money if you aren’t careful. Things like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage are some examples. These coverages may sound good initially, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Decrease premiums by maintaining coverage – Having a gap between insurance policy dates is a fast way to trigger a rate increase. And not only will your rates increase, getting caught without coverage will get you a steep fine or even jail time.

Insurance agents can help

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving someone else’s vehicle?
  • What if I owe more than I can insure my car for?
  • Should I rate my 2018 Nissan Altima as pleasure use or commute?
  • Is my babysitter covered when using my vehicle?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Information about specific coverages

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Altima.

Since a lot of 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. Most of the time these limits are set the same as your liablity limits.

Liability

This coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover 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 values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical services, legal defense fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Altima resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, rolling your car, backing into a parked car, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses like pain medications, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, a tree branch falling on your vehicle, theft, damage from getting keyed and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a penny pincher

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.

In this article, we covered many ideas to get a better price on 2018 Nissan Altima insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest premium rates are with a small mutual company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

More information is located at the links below