Save on 2004 Nissan Altima Insurance Quotes

Searching for the cheapest auto insurance rates for your Nissan Altima? Locating the cheapest insurance for your Nissan Altima can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to price shop coverage for a Nissan and find the best price possible.

The quickest method to get rate comparisons takes advantage of the fact car insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is provide details including what you do for a living, whether the vehicles are used for commuting, if the car is leased, and marital status. The data is then submitted to multiple different insurance companies and you will receive price estimates immediately.

To get price quotes for your car now, click here and complete the form.

Lower rates by qualifying for discounts

Some providers do not list the complete list of policy discounts very clearly, so the list below details a few of the more well known in addition to some of the lesser obvious auto insurance savings.

  • Multi-car Discount – Buying a policy with multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
  • Onboard Data Collection – Insureds who allow their company to scrutinize vehicle usage by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
  • Life Insurance – Larger companies have a discount if you purchase life insurance from them.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Altima insurance depending on your company.
  • Sign Online – A few larger online companies will provide an incentive for completing your application online.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts can save 10% or more on medical payment and PIP coverage.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will bring down the cost of coverage.

To view companies who offer discounts, click here.

Insurance is unique, just like you

When buying the best insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Are rock chip repairs covered?
  • Will I lose any money if I cancel my policy before it expires?
  • Who is covered when they drive my 2004 Nissan Altima?
  • Will filing a claim cost me more?
  • Does my insurance cover a custom paint job?
  • Is my teenager covered with friends in the car?
  • What is the rate difference between pleasure use and commuting?
  • Can my teen drive my company car?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about auto insurance coverages for a 2004 Nissan Altima

Learning about specific coverages of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 2004 Nissan Altima.

Since a lot of drivers 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 very important.

Collision coverage

Collision coverage pays for damage to your Altima from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, scraping a guard rail, hitting a mailbox, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, vandalism, fire damage and rock chips in glass. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses for nursing services, ambulance fees, EMT expenses and dental work. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Auto liability

This will cover damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, loss of income, court costs, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Saving money is sweet as honey

As you shop your coverage around, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Drivers who switch companies do it for any number of reasons including questionable increases in premium, not issuing a premium refund, extreme rates for teen drivers and lack of trust in their agent. Regardless of your reason, switching companies can be less work than you think.

We just presented quite a bit of information on how to compare 2004 Nissan Altima insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the lowest prices come from a small local company.

Additional information can be found at the links below

Comments About 2004 Nissan Altima Insurance

  1. Katharyn Ray

    It’s all a rip off. Lifelong resident of Kansas City, MO. Quoted with Allstate, AIG Insurance, and some I forget for my Altima and I’m now saving $23 a month. Insured with Liberty Mutual before. It was easy to get rates.

  2. Trinidad Lynch

    Thought I’d throw in my experience. Found cheapest coverage with GMAC for my Altima and saved about $80 a year. I only have liability coverage on it.

  3. Jamee Montgomery

    Not sure if this is cheap. I’m in the west part of Milwaukee, WI. I got free rates from State Farm, Eastwood, and Hartford for my Altima and saved around $90 a year. Liability only on my Nissan.

  4. Jerry Tyson

    I live in a small town just outside of Newark, NJ. I don’t recall every quote but I ended up saving about $30 each month. Left AAA to switch. Get lots of quotes to find the best rate.

  5. Buster Wood

    Any Progressive or Eastwood customers near Nampa, Idaho?

  6. Mariela Mccarthy

    I chose to switch to Allstate from Auto-Owners. I live in Evansville, Indiana. Left Hartford to switch. It was easy to get rates. Next renewal I’ll just do liability.

  7. Denisse Roberts

    Located in Salem, OR. Can’t remember who all I quoted but I ended up saving about $30 each month. BTW speeding tickets are not good. They were helpful in switching over. Anyone else drop full coverage?