2010 Nissan Altima Car Insurance Cost

Searching for better insurance rates for your Nissan Altima? Having to pay for high-priced insurance can deplete your accounts and force you to prioritize other expenses.

Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to get the best price available.

It’s important to check insurance prices yearly because prices are constantly changing. If you had the best deal on Altima coverage six months ago you can probably find a lower rate today. There are lots of tips to save on insurance online, but I’m going to show you some tested techniques to save money.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers must learn the way companies price insurance differently and use this information to your advantage.

The best way we recommend to compare car insurance company rates is to realize most of the bigger providers pay for the opportunity to compare rate quotes. The one thing you need to do is give the companies some data such as if a SR-22 is needed, an estimate of your credit level, driver ages, and if your license is active. The data is then submitted to insurance carriers in your area and you receive quotes very quickly.

Don’t assume everyone needs the same auto insurance coverage

When buying coverage, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Is my ex-spouse still covered by my policy?
  • Should I buy only the required minimum liability coverage?
  • Can I afford to buy a different vehicle if my 2010 Nissan Altima is totaled?
  • How do I insure my teen driver?
  • Does coverage extend to a rental car in a foreign country?
  • Does liability extend to a camper or trailer?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Altima.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision protection

Collision coverage pays for damage to your Altima caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a parking meter, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for EMT expenses, doctor visits, chiropractic care, rehabilitation expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a broken windshield, hail damage, fire damage and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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 might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like pain and suffering, legal defense fees and medical expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.