1993 Nissan Altima Insurance Quotes

Consumers have a choice when looking for low-cost Nissan Altima insurance. They can either waste time contacting agents getting price quotes or use the internet to find the lowest rates. There are more efficient ways to find insurance coverage online so you’re going to learn the quickest way to compare rates for your Nissan and find the best price possible from both online companies and local agents.

You need to price shop coverage as often as possible since rates fluctuate regularly. Even if you think you had the lowest rate on Altima coverage a few years ago you may be paying too much now. You can find a lot of wrong information about insurance coverage online but in just a couple of minutes you can learn a lot of great tips on how to reduce your insurance coverage bill.

How to buy car insurance

There are multiple methods you can shop for car insurance but one way is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies belong to a marketplace that enables customers to enter their policy data once, and each participating company provides a quote based on that data. This system prevents you from having to do quote forms to each company.

To compare pricing click here to open in new window.

One minor caviat to comparing rates this way is you can’t choose which companies you want to price. So if you want to choose specific providers to compare prices, we have a page of companies who write car insurance in your area. Click here to view list.

However you get your quotes, do your best to enter exactly the same quote data for each comparison quote. If each company quotes different limits and deductibles on each one it will be next to impossible to determine which company has the best rates.

Lower rates by qualifying for discounts

Car insurance companies do not advertise every policy discount in a way that’s easy to find, so the following list contains both the well known as well as some of the hidden discounts you could be receiving when you buy insurance online.

  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems help deter theft and can earn a small discount on your policy.
  • More Vehicles More Savings – Drivers who insure multiple vehicles on the same auto insurance policy qualifies for this discount.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn nearly 15% which can help you find the cheapest insurance.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Save with a New Car – Buying a new car model can get you a discount because newer vehicles have to meet stringent safety requirements.
  • Defensive Driver Discount – Completing a safe driver course could save 5% or more and easily pay for the cost of the class.
  • Distant College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
  • Accident-Free Discounts – Insureds with no claims or accidents pay less in comparison with bad drivers.

Please keep in mind that many deductions do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts should definitely cut the amount you have to pay.

Popular auto insurance companies and some of the premium reductions they offer can be found below.

  • Geico has savings for anti-theft, membership and employees, seat belt use, military active duty, anti-lock brakes, and five-year accident-free.
  • MetLife may offer discounts for multi-policy, good driver, claim-free, defensive driver, and good student.
  • Progressive offers discounts for multi-vehicle, online signing, homeowner, online quote discount, multi-policy, continuous coverage, and good student.
  • Travelers offers discounts including student away at school, good student, payment discounts, continuous insurance, IntelliDrive, hybrid/electric vehicle, and early quote.
  • SAFECO discounts include homeowner, drive less, teen safety rewards, safe driver, and teen safe driver.
  • AAA offers premium reductions for pay-in-full, education and occupation, good driver, good student, multi-car, and anti-theft.

When quoting, ask each company or agent which discounts they offer. All car insurance discounts may not apply to policyholders in your state. To view insurers that offer the discounts shown above, click here.

How your Altima insurance premiums are determined

An important part of buying insurance is that you know some of the things that aid in calculating insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that can earn you much lower annual insurance costs.

  • Teenagers vs. mature drivers – Youthful drivers are known to be more careless with other occupants in the car so insurance rates are higher. Parents adding a youthful driver onto a policy can cause a big jump in price. Older drivers are shown to be more cautious, tend to file fewer claims , and are generally more financially stable.
  • Little extras can really add up – There are quite a few additional extra coverages that you can buy if you don’t pay attention. Insurance for roadside assistance, better glass coverage, and Farm Bureau memberships could be just wasting money. They may sound like good ideas when you first buy your policy, but if they’re wasting money consider taking them off your policy.
  • The more you drive the more you pay – The more you drive every year the more it will cost to insure it. Almost all companies apply a rate partially by how you use the vehicle. Vehicles that do not get driven very much qualify for better rates than cars that get driven a lot. It’s a good idea to make sure your insurance declarations sheet properly reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated Altima is throwing money out the window.
  • More traffic means higher claims – Being located in a rural area may provide you with better prices when insuring your vehicles. Fewer drivers on the road corresponds to lower accident rates in addition to lower liability claims People in densly populated areas tend to have much more traffic and more time behind the wheel. More time behind the wheel translates into higher accident risk.

Car insurance is unique, just like you

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether you may require specific advice.

  • How much underlying liability do I need for an umbrella policy?
  • Can I afford low physical damage deductibles?
  • Am I covered when using my vehicle for business?
  • When would I need additional glass coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I insured when driving a different vehicle?
  • Are rock chip repairs covered?
  • Does my personal policy cover me when driving out-of-state?
  • Is my teenager covered with friends in the car?
  • Does my 1993 Nissan Altima qualify for pleasure use?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Don’t believe everything you hear

Drivers can’t ignore all the ads that claim the lowest premium rates from the likes of Allstate and Progressive. All the companies convey the message of big savings just by moving your coverage.

How is it possible that every company can make the same claim? It’s all in the words they use.

Most companies look for specific characteristics for the type of customer that is profitable for them. A good example of a profitable customer may be between 25 and 40, owns their home, and drives a safe vehicle. Anybody who matches those parameters will get the preferred premium rates and will save a lot if they switch.

Potential customers who may not quite match these stringent criteria must pay higher rates which results in the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can make claims that they all have the best auto insurance rates. Because of the profiling, you need to compare rate quotes every year. Because without a comparison, you cannot know which insurance companies will have the best rates.

Specific coverage details

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

Auto collision coverage

Collision insurance pays for damage to your Altima caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Nissan Altima.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, surgery and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This will cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as court costs, legal defense fees, medical services, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Make an honest buck

Drivers leave their current company for a number of reasons such as policy non-renewal, poor customer service, policy cancellation or unfair underwriting practices. It doesn’t matter why you want to switch switching companies can be pretty painless.

When getting insurance quotes online, do not reduce coverage to reduce premium. There are many occasions where someone dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

Budget-friendly insurance can be sourced from both online companies in addition to local insurance agencies, so get free insurance quotes from both of them so you have a total pricing picture. Some companies may not offer the ability to get a quote online and most of the time these smaller companies provide coverage only through independent insurance agents.

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