Cheap 2006 Nissan Altima Insurance Rates

Being forced to pay for pricey insurance premiums can diminish your savings account and make it hard to pay other bills. Price shopping at each renewal is recommended to tighten up your finances.

There are many insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more difficult to compare rates.

Auto insurance companies offer many types of discounts

Some companies don’t list the entire discount list in an easy-to-find place, so the next list breaks down some of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online.

• Military Discounts – Having a family member in the military could qualify you for better prices.
• New Car Discount – Buying a new car model is cheaper because newer vehicles keep occupants safer.
• Accident Free – Insureds with no claims or accidents get the best auto insurance rates as compared to insureds who have frequent claims or accidents.
• Multi-car Discount – Insuring several vehicles on the same auto insurance policy can get a discount on all vehicles.
• Distant College Student Discount – who live away from home at college and won’t have access to an insured vehicle could qualify for this discount.
• Switch and Save Discount – Some auto insurance companies provide a discount for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
• Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Altima insurance.
• Organization Discounts – Having an affiliation with a professional or civic organization could qualify you for a break on your bill.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Popular auto insurance companies and a partial list of their discounts are shown below.

• State Farm has savings for anti-theft, multiple autos, good student, driver’s education, and multiple policy.
• Esurance has discounts for renters, good student, online shopper, Pac-12 alumni, emergency road assistance, and homeowner.
• Progressive offers discounts including homeowner, continuous coverage, online quote discount, multi-vehicle, online signing, multi-policy, and good student.
• Liberty Mutual may have discounts that include good student, hybrid vehicle, exclusive group savings, multi-car, safety features, newly married, and new graduate.
• Auto-Owners Insurance may include discounts for mature driver, multi-policy, anti-lock brakes, paid in full, and group or association.
• Geico includes discounts for anti-theft, good student, five-year accident-free, air bags, and multi-policy.

Before buying, ask each insurance company what discounts are available to you. Some discounts listed above may not apply in your area.

Do I just need basic coverages?

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if your situation may require specific advice.

• Can I still get insurance after a DUI?
• Do I need motorclub coverage?
• Why do I only qualify for high-risk insurance?
• When should I buy a commercial auto policy?
• Why am I required to buy liability insurance?
• Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from car insurance companies.

Collision protection

Collision insurance covers damage to your Altima resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for liability

This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, repair costs for stationary objects, loss of income, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like X-ray expenses, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage

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

Comprehensive coverage pays for claims such as theft, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

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

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Don’t break the bank

When searching for the cheapest car insurance quotes, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an insured cut uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at an affordable rate.

More affordable insurance is definitely available on the web as well as from independent agents, so you need to shop car insurance with both to get a complete price analysis. Some insurance companies may not have online price quotes and many times these small, regional companies only sell through independent insurance agents.

Additional learning opportunities

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Who Has Affordable Auto Insurance Rates for a Nissan Altima in San Jose? (SanJoseCoverage.com)
• Medical Payments Coverage (Liberty Mutual)
• What is Covered by GAP Insurance? (Allstate)
• Booster Seat Ratings (iihs.org)
• Liability Insurance Coverage (Nationwide)
• What is Full Coverage? (Allstate)