How Much Does 2016 Nissan Altima Insurance Cost?

Trying to find cheaper auto insurance rates for your Nissan Altima? Car insurance shoppers not familiar with comparing prices online are likely to discover purchasing cheaper insurance coverage is tougher than they thought.

Smart consumers take time to check auto insurance prices quite often because prices fluctuate regularly. Even if you got the best price for Altima coverage six months ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because you’re going to get a crash course in how to use the internet to reduce your cost while increasing coverage.

If you currently have car insurance, you will most likely be able to save some money using this information. The purpose of this article is to teach you how to get online quotes and some money-saving tips. Although drivers should learn the way companies market insurance on the web because it can help you find the best coverage.

Auto insurance policy discounts

Auto insurance companies don’t necessarily list the entire discount list very well, so the list below contains some of the more common as well as some of the hidden discounts that may be available. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.

  • Onboard Data Collection – Insureds who allow companies to analyze vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise may get a rate reduction if they are good drivers.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Low Mileage Discounts – Fewer annual miles on your Nissan can qualify you for slightly better prices than normal.
  • Homeowners Pay Less – Just owning your own home can earn you a little savings due to the fact that maintaining a home shows financial diligence.
  • New Car Discount – Putting insurance on a new car can save you some money compared to insuring an older model.
  • ABS Brakes – Cars with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though it sounds like you could get a free auto insurance policy, it just doesn’t work that way.

The best auto insurance companies and a selection of discounts can be found below.

  • Progressive offers premium reductions for good student, online signing, multi-policy, continuous coverage, multi-vehicle, and homeowner.
  • AAA may have discounts that include multi-policy, anti-theft, pay-in-full, good student, multi-car, education and occupation, and good driver.
  • Farmers Insurance has savings for mature driver, business and professional, pay in full, good student, and early shopping.
  • Geico policyholders can earn discounts including driver training, multi-policy, defensive driver, multi-vehicle, federal employee, and anti-theft.
  • Esurance includes discounts for defensive driver, Pac-12 alumni, anti-lock brakes, paid-in-full, renters, homeowner, and DriveSense.
  • SAFECO may offer discounts for drive less, bundle discounts, accident prevention training, multi-car, homeowner, anti-lock brakes, and teen safety rewards.
  • State Farm has discounts for passive restraint, accident-free, multiple policy, multiple autos, good driver, good student, and safe vehicle.

When comparing rates, check with every prospective company which discounts you may be entitled to. Some discounts listed above might not be offered in your state.

How to buy car insurance

Most of the larger companies allow you to get price estimates directly from their websites. The process is quite simple as you simply type in your required coverages as detailed in the form. Behind the scenes, the system requests reports for credit and driving violations and returns a price determined by many factors.

Quoting online makes it a lot easier to compare rates but the time it takes to visit different websites and type in your information can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you want to find better prices.

The preferred way to compare car insurance pricing uses just one form to return rates from a bunch of companies at once. The form is fast, requires less work, and makes rate comparisons much more efficient. As soon as you send your information, your coverage is rated and you are able to buy any one of the pricing results. If you find a better price you simply finish the application and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

To quickly find out how much you can save on car insurance, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you complete the form with as shown on your current policy. Doing this guarantees you will have rate comparison quotes using the exact same coverages.

Get cheap insurance with these tips

Lots of things are considered when you get a price on insurance. Most are fairly basic such as traffic violations, but other factors are more transparent such as your credit history or your vehicle rating.Consumers need to have an understanding of some of the elements that come into play when calculating your insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you much lower annual insurance costs.

  • Stress out and pay more – Jobs such as real estate brokers, business owners and medical professionals have higher premium rates because of intense work requirements and lots of time spent at work. Other jobs like professors, historians and the unemployed have lower than average premiums for Altima coverage.
  • Do you need those extra policy coverages? – There are a ton of additional extra coverages that can waste your money on your Altima policy. Coverages for coverage for rental cars, towing coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Companies want multiple policies – Some insurance companies provide discounts to insureds that buy multiple policies. It’s known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even if you already get this discount, it’s always a smart idea to get quotes from other companies to ensure the best deal.
  • Too many insurance claims drive up premiums – If you frequently file small claims, don’t be surprised to see either a policy non-renewal or much higher rates. Car insurance companies give the lowest premiums to people who only file infrequent claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Youthful vs. experienced drivers – Older, more experienced drivers tend to be more responsible, cause fewer claims and accidents , and are generally more financially stable.Teen drivers are proven to be less responsible behind the wheel and because of this, their insurance rates are much higher.
  • Male costs may be higher – Statistics show women are more cautious behind the wheel. It does not mean males are worse at driving than females. They both have at-fault accidents at about the same rate, but the male of the species tend to have higher claims. Men also receive more major tickets like DWI (DUI) or reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore have the most expensive insurance rates.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions might help in determining if you will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • Does liability extend to a camper or trailer?
  • Am I covered if my car is in a flood?
  • Who is covered when they drive my 2016 Nissan Altima?
  • What is no-fault insurance?
  • Can I make deliveries for my home business?
  • Do I need an umbrella policy?
  • Does my 2016 Nissan Altima need full coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

The auto insurance bait and switch

Well-known auto insurance companies like State Farm, Allstate and Geico continually stream ads on television and other media. They all seem to advertise claims about saving some big amount if you switch to their company. How is it possible that every company can give you a better price? It’s all in the words they use.

Insurance companies have a certain “appetite” for the right customer that earns them a profit. For instance, this type of risk profile could possibly be between the ages of 30 and 50, has other policies, and chooses high deductibles. Someone who matches that profile will get a cheap rate quote and will most likely cut their rates substantially.

Consumers who fall short of the “perfect” profile must pay higher premiums and this results in the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” save that much money. This is how companies can make it sound like they have such great rates. This emphasizes why you really should get price quotes at each policy renewal. It is just not possible to predict with any certainty which company will provide you with the cheapest prices.

Educate yourself about insurance coverages

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, medical services, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Altima.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision insurance

Collision insurance pays for damage to your Altima from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, rolling your car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage, hitting a bird and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as X-ray expenses, pain medications, surgery and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Save for a rainy day

We’ve covered a lot of tips how to shop for 2016 Nissan Altima insurance online. The most important thing to understand is the more companies you get premium rates for, the better likelihood of getting affordable insurance coverage. Consumers could even find that the best price on auto insurance is with an unexpected company.

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, delays in paying claims or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new auto insurance company is actually quite simple.

More affordable auto insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don’t offer online rate quotes and usually these small, regional companies only sell coverage through independent agents.

Additional resources