2001 Nissan Altima Car Insurance Quotes

Have you finally had enough of trying to scrape together enough money to pay high car insurance rates every month? You’re in the same situation as many other people. There are many insurance companies to choose from, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to find the lowest rates.

It’s a good habit to get comparison quotes occasionally due to the fact that insurance prices are usually higher with each renewal. Just because you found the lowest quotes on Altima insurance last year you can probably find a better rate now. Ignore everything you know about car insurance because you’re about to find out one of the quickest ways to buy cheaper car insurance.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Consumers just need to understand the best way to compare company rates online.

Insurance discounts are available to reduce your rates

Companies don’t necessarily list every disount available very clearly, so below is a list a few of the more common as well as the least known discounts you could be receiving when you buy insurance coverage online.

  • Early Signing – A few larger companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Anti-theft System – Cars with anti-theft systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.
  • Defensive Driver Discount – Participating in a course teaching safe driver skills could cut 5% off your bill and make you a better driver.
  • Membership in Organizations – Belonging to qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • Online Discount – Some companies will give you a small discount shop insurance coverage digitally online.
  • ABS Braking Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being deployed in the military can result in better rates.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck.

Large insurance companies and a selection of discounts are:

  • State Farm policyholders can earn discounts including good student, student away at school, Steer Clear safe driver discount, multiple policy, multiple autos, driver’s education, and good driver.
  • American Family offers premium reductions for air bags, Steer into Savings, accident-free, multi-vehicle, mySafetyValet, and defensive driver.
  • Geico offers discounts for emergency military deployment, anti-lock brakes, good student, membership and employees, and multi-policy.
  • 21st Century offers discounts including theft prevention, student driver, air bags, driver training, automatic seat belts, teen driver, and homeowners.
  • Progressive may offer discounts for good student, online quote discount, homeowner, multi-policy, continuous coverage, and online signing.

If you need inexpensive insurance coverage quotes, ask each company or agent which discounts they offer. Some discounts listed above might not be offered on policies in your area. If you would like to choose from a list of insurers that offer the discounts shown above, click here.

Everyone needs different insurance coverage coverages

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance should reflect that For example, these questions can help discover if your situation might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need replacement cost coverage on my 2001 Nissan Altima?
  • How do I buy GAP insurance?
  • Should I bundle my homeowners policy with my auto?
  • Do I benefit by insuring my home with the same company?
  • When would I need additional glass coverage?
  • Do I need rental car coverage?
  • What if I owe more than I can insure my car for?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short 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.

Don’t be fooled by advertising claims

Consumers can’t escape the ads for the lowest price insurance from companies such as Allstate, Geico and Progressive. They all advertise claims of big savings just by moving to their company.

That’s great but how can every company have lower policy pricing? It’s all in the wording.

Companies have strict underwriting profiles for the type of customer that makes them money. A good example of this type of insured might be over the age of 50, owns a home, and the vehicle is rated for pleasure use. Any customer who fits that profile will get low prices and will probably save if they switch.

People who do not match those criteria will have to pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “people that switch” not “everybody who quotes” can save as much as they claim. This is how companies can make claims like that. Different companies use different criteria so it’s extremely important to compare as many free insurance coverage quotes as you can. It is impossible to guess which insurance companies will provide the lowest premium rates.

Insurance coverage basics

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as funeral expenses, court costs and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Nissan Altima.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance covers 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 can pay for things like a tree branch falling on your vehicle, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, ambulance fees, EMT expenses, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

In conclusion

When getting insurance coverage quotes online, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cost effective 2001 Nissan Altima insurance is possible both online and from local insurance agents, so you should compare both to have the best selection. A few companies do not offer the ability to get a quote online and these small insurance companies only sell coverage through independent insurance agencies.

Even more information can be found in these articles:

Comments About 2001 Nissan Altima Insurance

  1. Anabel Mullins

    Does Nebraska have minimum liability requirements?

  2. Ashlea Norris

    Lots of good stuff here. Located in Dover, DE. Don’t remember every company but I ended up saving about $20 each month. A clean driving record helps. You can get a rate quote online. Just liability coverage since it’s getting old.

  3. Daphne Henderson

    State Farm quoted the best rates in Connecticut.

  4. Colleen Duke

    I live just outside New Haven, Connecticut. Not sure of all the companies but I ended up saving about $20 each month. I have a couple other vehicles on the policy.

  5. An Estes

    Is GEICO cheaper than Amica in Columbus, GA?

  6. Tula Collier

    Anyone understand their policy?

  7. Porsha Medina

    Cheaper not always better. Proud to be from Green Bay, WI. Quoted rates from GEICO, AAA, and Esurance for my 2001 Nissan Altima and saved $70 a year. Left Farmers to switch. I recommend comparing lots of rates. Book value doesn’t justify full coverage anymore.