Lower Your 2010 Nissan Altima Insurance Cost

Searching for lower auto insurance rates for your Nissan Altima? Do you think you bought overpriced auto insurance? Believe me when I say many drivers have buyer’s remorse.

Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.

Smart consumers take time to shop coverage around before your policy renews because auto insurance rates are constantly changing. Despite the fact that you may have had the lowest rate on Altima coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the easiest way to save on auto insurance.

Auto insurance quotes comparison

Most larger insurance companies like Allstate and Progressive give prices direct online. Getting online rates can be done by anyone because you just enter your coverage preferences on the page. Behind the scenes, their system automatically orders your driving and credit reports and provides a quote based on these and other factors. Online price quotes simplifies rate comparisons, but the process of having to visit different websites and complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible in order to find the lowest possible prices on auto insurance.

There is a better way!

The preferred way to locate the lowest prices requires only one form that obtains quotes from more than one company. It saves time, eliminates form submissions, and makes quoting online much more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the policy. The entire process takes less than 15 minutes and you will find out if you’re overpaying now.

To compare rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter the limits and deductibles identical to your current policy. This ensures you will receive rate quotes based on similar coverages.

Find discounts on auto insurance

Auto insurance is expensive, but discounts can save money and there are some available that can help lower your rates. Larger premium reductions will be automatically applied when you purchase, but a few need to be asked about in order for you to get them.

• Paperwork-free – Certain companies give back up to $50 just for signing your application on the internet.
• Senior Discount – Drivers over the age of 55 could receive a small discount on rates on Altima coverage.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft so companies will give you a small discount.
• Defensive Driver – Taking part in a course in defensive driver could possibly earn you a 5% discount and easily recoup the cost of the course.
• Payment Method – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.

Discounts save money, but please remember that most credits do not apply to the entire cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, that’s just not realistic. Any amount of discount should help reduce the amount you pay for coverage.

A few of the larger companies and their possible discounts are:

• Progressive offers discounts including continuous coverage, multi-vehicle, good student, homeowner, online signing, online quote discount, and multi-policy.
• SAFECO has discounts for drive less, anti-theft, homeowner, anti-lock brakes, safe driver, and teen safe driver.
• American Family policyholders can earn discounts including air bags, mySafetyValet, Steer into Savings, defensive driver, good student, and early bird.
• MetLife may include discounts for multi-policy, defensive driver, claim-free, good student, and good driver.
• Geico may offer discounts for defensive driver, anti-theft, seat belt use, daytime running lights, air bags, and five-year accident-free.
• The Hartford discounts include driver training, air bag, good student, defensive driver, and bundle.

When comparing rates, check with all the companies to apply every possible discount. Some discounts listed above might not apply in your area.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if your insurance needs will benefit from professional help.

• When should I drop full coverage on my 2010 Nissan Altima?
• Do I need medical payments coverage since I have good health insurance?
• When should my teen driver be added to my policy?
• What can I do if my company won’t pay a claim?
• What is the minimum liability in my state?
• Am I covered when driving a rental car?
• Is my dog or cat covered if injured in an accident?
• At what point should I drop full coverage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Nissan Altima insurance price factors

Part of the auto insurance buying process is learning the rating factors that aid in calculating your auto insurance rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that can earn you lower rates.

The following are some of the factors utilized by car insurance companies to help set rates.

• Never let your auto insurance policy expire – Having a lapse in insurance coverage can be a quick way to increase your renewal premiums. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you fines and jail time.
• Save money with high credit – Having a bad credit history is a large factor in determining what you pay for auto insurance. If your credit rating is lower than you’d like, you could potentially save money when insuring your 2010 Nissan Altima by repairing your credit. Drivers with very good credit scores tend to be better drivers and file fewer claims than those with lower ratings.
• Youthful drivers cost more – Drivers with little experience are proven to get distracted easily when driving therefore auto insurance rates are much higher. If you’ve ever had to add a first-time driver to your policy can increase premiums substantially. Older insureds have been proven to be more responsible, cause fewer claims and accidents and get fewer tickets.
• Annual mileage impacts premiums – The higher the miles on your Nissan annually the higher the price you pay to insure it. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Autos that have low annual miles can be on a lower rate level than cars that get driven a lot. Make sure your auto insurance declarations sheet reflects the right rating data. An incorrectly rated Altima may be costing you higher rates.
• Rates can change based on your address – Having an address in areas with lower population may provide you with better prices when buying auto insurance. People in densly populated areas have congested traffic and longer commutes to work. Fewer drivers translates into fewer accidents.
• Getting married is a good thing – Walking down the aisle can actually save you money on your auto insurance bill. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.

Insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are typical coverages found on most insurance policies.

Auto liability insurance

Liability coverage can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, pain and suffering, bail bonds and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Auto collision coverage

This covers damage to your Altima resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses such as chiropractic care, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

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. It can pay for hospital bills for your injuries and damage to your Nissan Altima.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects, fire damage, vandalism and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Get your money’s worth

Lower-priced 2010 Nissan Altima insurance can be sourced online and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and most of the time these regional insurance providers sell through independent agencies.

We just presented a lot of information how to save on 2010 Nissan Altima insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest prices are with a small local company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

More resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• What Car Insurance is Cheapest for a Nissan Altima in New Orleans? (NewOrleansInsure.com)
• Understanding your Policy (NAIC.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Coverage Information (Progressive Insurance)