Cheaper 2003 Nissan Altima Car Insurance Quotes

Want better insurance rates for your Nissan Altima? Trying to come up with a payment for pricey insurance can dwindle your monthly budget and force you to tighten up your finances. Comparison shopping can be a smart way to ensure you are getting the best deal.

You have multiple insurers to purchase coverage from, and even though it’s nice to have multiple companies, it can be more difficult to find a good deal.

Don’t overlook these insurance coverage discounts

The price of auto insurance can be rather high, but you may be missing some discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
  • Good Student – Excelling in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Save with a New Car – Putting coverage on a new car can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Home Ownership Discount – Owning a house can earn you a little savings because it requires personal responsibility.
  • Renewal Discounts – A few insurance coverage companies offer discounts for renewing your policy prior to the expiration date on your current policy. It can save you around 10%.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the personal injury premium cost.
  • Life Insurance Discount – If the company offers life insurance, you could get a lower insurance coverage rate if you buy some life insurance too.
  • Multi-policy Discount – When you combine your auto and home insurance and place coverage with the same company you may earn up to 20% and get you cheaper car insurance.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Telematics Devices – Drivers who agree to allow driving data submission to look at their driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they have good driving habits.

Don’t be shocked that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it’s just not the way it works.

Auto insurance companies that may offer policyholders these money-saving discounts include:

Double check with every prospective company what discounts are available to you. A few discounts may not be available in your state. To see a list of companies with significant discounts, click here to view.

Decisions you make can impact your insurance costs

A large part of saving on insurance coverage is knowing some of the elements that help determine your insurance coverage rates. If you have a feel for what determines base rates, this enables informed choices that may reward you with lower premium levels. Lots of things are used when you get a price on insurance. Some are obvious like a motor vehicle report, although some other factors are more obscure like where you live or how safe your car is.

  • Older drivers pay less – Older insureds tend to be more responsible, cost insurance companies less in claims and get fewer tickets.Young drivers have been known to be inattentive and easily distracted with other occupants in the car so insurance coverage rates are higher.
  • Certain jobs raise premiums – Did you know that where you work can have an impact on rates? Occupations like fire fighters, social workers and miners tend to have higher average rates due to intense work requirements and lots of time spent at work. Conversely, occupations like professors, engineers and performers pay the least on Altima coverage.
  • Insure car and home with the same company – Lots of companies allow better rates for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to comparison shop to make sure you are getting the best deal. You may still find lower rates even if you insure with multiple companies
  • Vehicles with better crash test results save money – Safe vehicles tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer injuries translates into savings for insurance companies which can result in lower premiums. If the Nissan Altima earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Extra policy coverages are wasting money – Policies have add-on coverages that sound like a good idea at the time if you aren’t diligent. Insurance for rental car reimbursement, better glass coverage, and term life insurance may be wasting your money. You may think they are a good idea when talking to your agent, but if you’ve never needed them in the past remove them from your policy.
  • Drivers with high credit save on insurance coverage – Having a good credit score is a big factor in calculating your insurance coverage rates. Insureds with excellent credit tend to file fewer claims than those with poor credit. If your credit could use some work, you could be paying less to insure your 2003 Nissan Altima by spending a little time repairing your credit.

When to get professional advice

When it comes to buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you will benefit from professional help.

  • Is my 2003 Nissan Altima covered for smoke damage?
  • When should I drop full coverage on my 2003 Nissan Altima?
  • How can I get my company to pay me more for my totalled car?
  • When would I need rental car insurance?
  • Do I need motorclub coverage?
  • Should I waive the damage coverage when renting a car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered by my spouse’s policy after a separation?
  • What vehicles should carry emergency assistance coverage?
  • Can my babysitter drive my car?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance policy coverages for a 2003 Nissan Altima

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Nissan Altima.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

This provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like structural damage, emergency aid, pain and suffering and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as pain medications, nursing services and chiropractic care. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

Collision coverage covers damage to your Altima resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed, damage from flooding and fire damage. 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 probably time to drop comprehensive insurance.

Be Smart and Buy Smart

We covered a lot of ways to lower your 2003 Nissan Altima insurance rates. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper car insurance. You may even find the lowest priced car insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

A few companies may not have internet price quotes regional insurance providers only sell through independent agents. Lower-priced 2003 Nissan Altima insurance can be bought both online in addition to many insurance agents, and you need to price shop both to have the best selection.

Much more information about car insurance is located at the links below