2004 Nissan Altima Insurance Cost – 5 Tips for Cheapest Prices

Trying to find better car insurance rates? Buyers have lots of choices when searching for the lowest priced Nissan Altima insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to make rate comparisons.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the proper way to get price quotes for a new or used Nissan and locate the lowest price.

It’s a good habit to do rate comparisons once or twice a year due to the fact that insurance prices change regularly. Just because you found the lowest price on Altima coverage last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.

If you are insured now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. This information will help you learn how car insurance quotes work and some money-saving tips. Drivers only need an understanding of the tricks to compare company rates on the web.

Cheapest auto insurance rate quotes

All the larger auto insurance companies like Progressive, Allstate and Geico give pricing direct online. Comparing prices online is fairly simple because you just enter the coverages you want as requested by the quote form. Once you submit the form, their quoting system will order information on your driving record and credit history and generates a price based on these and other factors.

Online price estimates makes it simple to compare prices but the work required to visit several different sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you want to get better auto insurance pricing.

A quicker way to locate the lowest prices uses just one form that gets price quotes from several different companies. This type of form saves time, reduces the work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it is quoted and you can choose your choice of the quotes returned.

If you find a better price you can click and sign and buy the new coverage. It just takes a couple of minutes and could lower your rates considerably.

To save time and fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with the coverages identical to your current policy. This way, you will receive rate comparison quotes using the exact same coverages.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

How high should my uninsured/underinsured coverage be in my state?
Do I need higher collision deductibles?
What is the minimum liability in my state?
How do I file an SR-22 for a DUI in my state?
How much underlying liability do I need for an umbrella policy?
Am I covered by my spouse’s policy after a separation?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my 2004 Nissan Altima covered for flood damage?
Am I covered if I hit a deer?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for surgery, hospital visits, chiropractic care and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Altima from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, scraping a guard rail, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

This covers 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 vandalism, damage from getting keyed, falling objects, a broken windshield and fire damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like pain and suffering, funeral expenses, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.