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Nissan Altima Insurance Cost

Shopping for auto insurance by quoting online is easy, plus you might just save a little. The key is to compare rates from as many companies as possible so you can compare the lowest rate quotes.

Consumers not familiar with buying insurance may think buying cut-rate Altima insurance is hard. Lowering your Altima insurance rates is a fairly straight forward process. You just need to take a few minutes to get quotes from different insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by these factors

Auto insurance rates for your Nissan Altima will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Crash test rating for your Altima
  • Claims drive up premiums
  • No coverage lapses saves money
  • Home ownership saves money

A final factor that will help determine Altima insurance cost is the model year. A newer vehicle have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. Conversely, newer models may have a trim level with safety features such as lane departure warning system, anti-lock brakes, and adaptive headlights so those may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages

Liability insurance protects you from damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision insurance

Collision coverage pays for damage to your Nissan resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Nissan Altima comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.

How Much are Nissan Altima Insurance Rates?