Save on 1999 Nissan Altima Car Insurance Quotes

Want the cheapest auto insurance rates for your Nissan Altima? Have you had enough of scraping the payment together to pay auto insurance each month? You have the same problem as many other consumers. Companies like State Farm, Allstate, Geico and Progressive all promote huge savings with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.

How to lower your insurance cost

Cutting your insurance rates can be surprisingly simple. Consumers just need to take time to compare free auto insurance quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. A single form will get you price quotes from all major companies.
  2. A slightly less efficient method to obtain and compare quotes online is going to each individual company website and request a quote. For sake of this example, we’ll pretend you are doing a rate comparison from Progressive, Esurance and Farmers. You would be required to navigate to each company’s site and enter your policy data, which is why first method is reommended. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming way to comparison shop rate quotes is to spend your day driving to insurance agencies in your area. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional assistance of a licensed agent. If you prefer, some companies allow you to price shop online and get advice from an agent in your area.

The approach you take is up to you, just ensure you’re using apples-to-apples coverages on every quote you get. If you compare different coverage information it will be next to impossible to get a fair rate comparison.

Your insurance coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine if you could use an agent’s help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is a blown tire covered by insurance?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if hit by an uninsured driver?
  • Does my insurance cover a custom paint job?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Car insurance coverages for a Nissan Altima

Understanding the coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Collision coverage

This will pay to fix damage to your Altima resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, hitting a mailbox, backing into a parked car, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses like X-ray expenses, ambulance fees, hospital visits and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, a broken windshield, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim 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 coverages

This can cover damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as loss of income, legal defense fees and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Nissan Altima.

Since a lot of 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. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comments About 1999 Nissan Altima Insurance

  1. Nicolle Delaney

    Will 21st Century insure with a DUI in Memphis, TN?

  2. Filiberto Armstrong

    I got quite a few price quotes for a 1999 Nissan Altima in Frederick, Maryland. Ended up at right around $90 every six months with AIG Insurance. Good multi-policy discounts. You can get a rate quote online.

  3. Clifford Kidd

    GEICO was cheapest for my 1999 Nissan Altima in Baltimore, MD.

  4. Dorene Watkins

    I got decent rates for a 1999 Nissan Altima in Phoenix, AZ. Ended up at roughly $100 every six months with Auto-Owners. Was with Western Auto Insurance.

  5. Katrina Norton

    Lots of useful info here. I’m in the south part of Idaho Falls, Idaho. Received quotes with 21st Century, GMAC, and Farmers for my 1999 Nissan Altima and saved just over $70 a year.

  6. Eveline Glass

    From Allentown, PA. Received quotes from GMAC, American Family, Sentry, and a couple others for my Nissan and I think I am saving around $30 each month. I have kids on my policy, too.

  7. Dorian Mcpherson

    Lifelong resident of Aurora, IL. Not sure of all the companies but I ended up saving about $20 each month. I get multi-vehicle and multi-policy discounts. Still almost need a second mortgage. I don’t insure for physical damage though.

  8. Aubrey Sykes

    Progressive and State Farm had the best prices I found in North Carolina.

  9. Suzanna Kane

    Live in Aurora, IL. I compared lots of rates. Saved about $20 a month. Progressive was the cheapest option for me. It’s still not cheap enough. Next renewal I’ll just do liability.

  10. Alberto Rice

    All companies are crooks. Located in Miami, Florida. Quoted with Amica, Mercury, and some smaller one I can’t remember the name of for my Altima and saved just over $70 a year. Book value doesn’t justify full coverage anymore.

  11. Dee Carter

    What are minimum liability limits required in Maryland?

  12. Kirk Sharpe

    I’m in the west part of Davenport, IA. I got free quotes with 21st Century, Auto-Owners, and Eastwood for my Nissan and saved $88 a year. Was with Liberty Mutual.

  13. Kylie Logan

    I got decent rates for a 1999 Nissan Altima in Spokane, WA. Ended up at right around $80 every six months with AIG Insurance. Teenage drivers are expensive!

  14. Dionne Head

    I’m looking for cheaper coverage. Found cheapest coverage with American Family for my Nissan and saved about $100 a year. It’s only liability tho.

  15. Marie Griffith

    Like your site, BTW. Lifelong resident of Aurora, IL. Not sure of all the companies but I ended up saving about $30 each month.

  16. Mistie Mcfadden

    Allstate was cheapest for my 1999 Nissan Altima in Idaho Falls, ID.

  17. Usha Mcdonald

    I’m in the suburbs of Frederick, MD. Got rates from GEICO, The General, and Erie for my Nissan and cut my rates about $90 a year. Left Auto-Owners to switch. I got prices on the web. I just carry liability insurance.

  18. Dawne Tyson

    From northwest of Indianapolis, IN. I compared lots of rates. Saved right around $20 a month. State Farm was the best choice for me. Left Encompass to switch. It’s only liability tho.

  19. Justine Lynn

    Allstate is decent in Mobile, Alabama.

  20. Tracey Reese

    Will 21st Century cancel me if I have an accident?