Save on 2002 Nissan Altima Car Insurance Cost

Are you kicking yourself for buying an overpriced insurance coverage policy? You’re preaching to the choir because many drivers feel the same as you.

You have so many car insurance companies to insure vehicles with, and although it’s nice to have a selection, lots of choices makes it harder to find the lowest rates.

Auto insurance discounts help cut rates

Some companies don’t always advertise the complete list of policy discounts very well, so the below list has a few of the more well known as well as the least known credits that may apply to you.

  • Discount for New Cars – Putting auto insurance coverage on a new car can be considerably cheaper since new vehicles have better safety ratings.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving could save 15% on medical payment and PIP coverage.
  • Good Student Discount – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Accident-Free Discounts – Insureds with no claims or accidents can save substantially compared to drivers with a long claim history.
  • Braking Control Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Driver Safety – Participating in a course that instructs on driving safety can save you 5% or more if your company offers it.
  • Discount for Home Ownership – Simply owning a home can earn you a little savings because it means you have a higher level of financial diligence.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Altima insurance depending on your auto insurance provider.

Remember that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to view auto insurance companies that provide some of the discounts listed above, click here to view.

The best way we recommend to compare policy rates is to know most of the larger companies will pay a fee to give you rate quotes. All you need to do is spend a couple of minutes providing details like any included safety features, your job, distance driven, and coverage limits. That information gets sent immediately to many of the top insurers and they return rate quotes instantly.

To compare rates for your 2002 Nissan Altima now, click here and complete the form.

Which is the best car insurance?

When it comes to choosing the best car insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • What are the best liability limits?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is a fancy paint job covered?
  • Why do I only qualify for high-risk insurance?
  • Is my cargo covered for damage or theft?
  • What is no-fault insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Liability – This coverage will cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like attorney fees, pain and suffering, legal defense fees, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance pays for 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 can pay for claims like damage from flooding, hail damage, damage from getting keyed, theft and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses such as pain medications, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Don’t throw your cash in the trash

As you restructure your insurance plan, never skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Some companies may not have the ability to get a quote online smaller companies sell through independent agents. Lower-priced 2002 Nissan Altima insurance is attainable both online and from local agencies, and you should be comparing both to have the best chance of lowering rates.

Much more information about insurance coverage is located at these links: