Compare 2015 Nissan Altima Car Insurance Quotes

Searching for lower insurance coverage rates for your Nissan Altima? Think you have overpriced insurance coverage? Don’t feel bad because many consumers are in the same pinch.

Since you have so many options, it’s difficult to choose the cheapest insurance coverage provider.

This article will introduce you to how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Nevertheless, vehicle owners need to have an understanding of how companies determine prices and apply this information to your search.

Learn how to find car insurance cheaper

Part of the car insurance buying process is learning the rating factors that come into play when calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs.

The following are some of the factors car insurance companies consider when setting prices.

  • Always keep your car insurance policy in force – Allowing your coverage to lapse can be a quick way to bump up your car insurance costs. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Where you live – Choosing to live in a rural area is a good thing when trying to find low car insurance rates. Urban drivers have more auto accidents and a longer drive to work. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims.
  • Single drivers may pay higher premiums – Being married may cut your premiums on your policy. Marriage may mean you are more mature and responsible and it’s proven that married couples file fewer claims.
  • Only buy coverage you need – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying if you aren’t diligent. Insurance for vanishing deductibles, high-cost glass coverage, and membership fees are probably not needed. You may think they are a good idea at first, but if you have no use for them get rid of them and save.
  • Consolidate policies with the same company – Most major insurance companies afford lower prices for people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.
  • Pay more by driving carelessly – Getting just one driving citation can increase rates twenty percent or more. Attentive drivers get better rates compared to drivers with tickets. People who have serious tickets such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Deter theft and pay less – Driving a car with anti-theft technology or alarm system can help bring down rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
  • Raise coverage deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. Your deductibles define how much you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be on Altima insurance.

Compare car insurance rate quotes

To find cheap car insurance quotes, there are several ways to get quotes from different companies. The quickest method to find cheaper 2015 Nissan Altima rates is to get quotes online. This can be accomplished using a couple different methods.

  1. The fastest and easiest way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form entry for every car insurance company. One simple form gets coverage cost estimates from car insurance companies with the best prices.
  2. A more difficult way to analyze rates is spending the time to visit the website of each company and fill out a new quote form. For examples sake, we’ll assume you are doing a rate comparison from Geico, Progressive and GMAC. To get each rate you have to visit each site to enter the same coverage data repeatedly, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Whichever way you use, be sure you’re using nearly identical coverage limits and deductibles on every quote you get. If you use different liability limits you will not be able to decipher which rate is best. Just a small difference in coverage limits can make a big difference in price. Just keep in mind that comparing a large number of companies increases the change that you will find better pricing.

Can switching companies really save?

Well-known insurance companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. They all seem to make the point that people will save after switching to them. That’s great but how can every company give you a better price? It’s all in how they say it.

Many companies give the cheapest rates for the type of driver that earns them a profit. An example of this type of driver could possibly be over the age of 45, is a homeowner, and drives a car with an anti-theft system. Any person that hits that “sweet spot” may get the lowest car insurance rates and will most likely save a lot of money.

Potential customers who do not match those criteria may be required to pay a higher premium and this can result in the customer not purchasing. Company advertisements say “people that switch” not “all people who quote” can save as much as they claim. That’s why companies can truthfully make claims that they all have the best prices.

This really illustrates why drivers should get a wide range of price quotes. It is just not possible to predict which insurance company will have better premium rates than you’re paying now.

Discounts for cheaper insurance coverage rates

Insurance can cost an arm and a leg, but you can get discounts to help offset the cost. Certain reductions will be credited when you quote, but a few need to be asked for before you get the savings.

  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
  • Air Bag Discount – Factory options such as air bags may get savings up to 30%.
  • Discounts for Cautious Drivers – Safe drivers can get discounts for up to 45% lower rates on Altima insurance as compared to drivers with claims.
  • Renewal Discounts – A few companies allow discounts for switching companies before your current coverage expires. The savings is around 10%.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Driver Training Discounts – Passing a course teaching driver safety skills could earn you a small percentage discount if your company offers it.

Policy discounts save money, but most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount should help lower your policy premiums.

A few of the larger companies and their possible discounts are detailed below.

  • Geico policyholders can earn discounts including driver training, anti-lock brakes, five-year accident-free, daytime running lights, air bags, and anti-theft.
  • USAA offers discounts including vehicle storage, defensive driver, multi-vehicle, driver training, annual mileage, and multi-policy.
  • Progressive may have discounts that include multi-vehicle, good student, homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
  • American Family includes discounts for good driver, air bags, multi-vehicle, TimeAway discount, mySafetyValet, Steer into Savings, and accident-free.
  • Esurance may include discounts for safety device, good student, anti-theft, DriveSense, multi-car, Switch & Save, and defensive driver.
  • Farmers Insurance discounts include youthful driver, homeowner, multi-car, teen driver, switch companies, mature driver, and good student.
  • State Farm has discounts for accident-free, good student, multiple policy, anti-theft, good driver, Drive Safe & Save, and multiple autos.

If you are trying to find the cheapest car insurance quotes, ask each company the best way to save money. Some credits may not be available in your area. To choose providers with discount rates, follow this link.

You may need specialized auto insurance coverage

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • Should I buy additional glass protection?
  • Does coverage extend to Mexico or Canada?
  • Is my 2015 Nissan Altima covered for smoke damage?
  • Does coverage extend to a rental car in a foreign country?
  • Which companies will insure high-risk drivers?
  • Do I need replacement cost coverage on my 2015 Nissan Altima?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Car insurance 101

Knowing the specifics of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your Altima resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, scraping a guard rail, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like emergency aid, attorney fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like funeral costs, rehabilitation expenses, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Altima.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. 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 falling objects, fire damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Take this to the bank

When searching for affordable car insurance quotes, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped collision coverage only to discover later that they should have had better coverage. Your objective should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

You just read quite a bit of information on how to save on 2015 Nissan Altima insurance. The key concept to understand is the more you quote car insurance, the better chance you’ll have of finding inexpensive car insurance. Consumers could even find that the lowest priced insurance coverage comes from some of the smallest insurance companies. Regional companies often have lower rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

To learn more, feel free to visit these articles: