Lower Your 2000 Nissan Altima Insurance Rates

Feeling guilty for buying an overpriced auto insurance policy? Don’t feel bad because there are lots of residents who feel the same.

People have multiple car insurance companies to pick from, and even though it’s nice to be able to choose, more options can take longer to adequately compare rates.

It’s a good idea to check auto insurance prices periodically because insurance prices change frequently. Despite the fact that you may have had the best quotes on Altima insurance a year ago you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to properly buy coverages while reducing your premium.

Buying cheaper insurance coverage is easy if you know what you’re doing. In a nutshell, everyone who is required by state law to have insurance stands a good chance to be able to cut their insurance bill. Nevertheless, drivers need to have an understanding of how insurance companies price insurance differently because it can help you find the best coverage.

Verify you’re getting every discount

Car insurance is expensive, but you might find some hidden discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you complete an application, but occassionally some discounts must be requested specifically before you will receive the discount.

  • Defensive Driving Course – Taking part in a safe driver class could earn you a small percentage discount if you qualify.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off PIP or medical payments premium.
  • Accident Forgiveness – This one isn’t a discount, but certain companies will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Savings for New Vehicles – Putting insurance on a new car is cheaper since new vehicles have better safety ratings.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars on a single policy can get a discount on all vehicles.
  • Professional Organizations – Being in qualifying clubs or civic groups can get you a small discount when getting a auto insurance quote.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a auto insurance quote on Altima insurance.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Distant Student – Older children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discounts for Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% on Altima insurance compared to rates paid by drivers with frequent claims.

You can save money using discounts, but most discount credits are not given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger car insurance companies and some of their more popular discounts are outlined below.

  • State Farm offers discounts including good driver, passive restraint, accident-free, defensive driving training, safe vehicle, and student away at school.
  • Geico may have discounts that include defensive driver, five-year accident-free, anti-theft, federal employee, multi-policy, and anti-lock brakes.
  • Progressive includes discounts for online quote discount, online signing, good student, homeowner, and multi-policy.
  • 21st Century has savings for anti-lock brakes, driver training, homeowners, automatic seat belts, defensive driver, 55 and older, and good student.
  • American Family may include discounts for good driver, TimeAway discount, air bags, good student, early bird, and accident-free.
  • The Hartford policyholders can earn discounts including driver training, defensive driver, good student, air bag, vehicle fuel type, and bundle.
  • AAA offers discounts for multi-car, anti-theft, education and occupation, multi-policy, and pay-in-full.

Double check with each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered everywhere. To see a list of insurance companies with discount car insurance rates, click here to view.

How to buy car insurance online

Comparing car insurance rates can be challenging if you don’t know the best way to get rate quotes. You can spend countless hours talking about coverages with local insurance agents in your area, or you could use the web to achieve your goal.

Many of the larger companies belong to a marketplace that allows shoppers to send in one quote, and each company returns a competitive quote based on that data. This saves time by eliminating quote requests for every car insurance company. To submit your quote information now, click to open in new window.

The only drawback to doing it this way is you don’t know exactly the providers to receive prices from. If you wish to select specific providers to compare, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare identical quote information on every price quote you get. If you enter different liability limits it will be impossible to decipher which rate is best. Slightly different limits could mean much higher rates. And when comparison shopping, comparing a wide range of rates helps improve the odds of finding the best price.

When should I discuss my situation with an agent?

When choosing coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions might help in determining if you would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Is pleasure use cheaper than using my 2000 Nissan Altima to commute?
  • Do I need medical payments coverage since I have good health insurance?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need motorclub coverage?
  • How do I insure my teen driver?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

What insurance coverages do you need?

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Liability insurance

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, loss of income, emergency aid, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from 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 insurance covers things like falling objects, fire damage, hitting a deer and rock chips in glass. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2000 Nissan Altima.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage covers damage to your Altima resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, rolling your car, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, pain medications and funeral costs. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

In any little way, save everyday

You just learned quite a bit of information on how to save on 2000 Nissan Altima insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates come from a lesser-known regional company. They can often provide lower car insurance rates in certain areas as compared to the big name companies such as Progressive or Geico.

Cost effective 2000 Nissan Altima insurance can be sourced on the web as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some companies do not provide online quoting and many times these smaller providers prefer to sell through local independent agents.

To learn more, take a look at the resources below: