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.
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.
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.
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:
When comparing rates, check with all the companies to apply every possible discount. Some discounts listed above might not apply in your area.
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.
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
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.
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.
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.
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 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
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 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.
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.
Prince Vincent
I think I’m paying too much. Got a quote with Farmers for my Altima and am saving around $430 a year. Insured with Farmers before. I’m a pretty good driver though.
Yee Wilkinson
I’m in the north part of Memphis, TN. Received rates from Western Auto Insurance, American Family, Hanover, and Safeco for my Nissan and I think I saved about $40 each month. Even increased my liability limits.
Janean Morrow
Well-written and thought out article. Quoted with Sentry for my Altima and cut my rates about $140 a year. Highly recommended.
Troy Decker
From east side of Fayetteville, Arkansas. I got free prices from AIG Insurance, Mercury, and a few others for my 2010 Nissan Altima and saved just over $570 a year. Insured with Liberty Mutual before. Thankfully I have a good driving record.
Alyssa Owen
Cheap is not always the best policy. Quoted with 21st Century for my 2010 Nissan Altima and cut my rates about $450 a year.
Elliott Grimes
I chose to switch to State Farm from AIG Insurance. I live in Fort Smith, Arkansas.
Erminia Dotson
Is State Farm cheap in Aurora, Illinois?
Dori Hancock
Liked the article. I live on the north side of Saint Louis, Missouri. I quoted with American Family, Eastwood, and Sentry for my 2010 Nissan Altima and I think I cut my rates about $20 each month. Was with Sentry. Good savings if you bundle. It was easy to get rates.
Herb Barry
Will Progressive raise rates for a rock chip claim?
Zofia Weeks
What is UM/UIM coverage?
Moira Ware
I got decent rates for a 2010 Nissan Altima in Lexington, Kentucky. Ended up at roughly $200 every six months with AIG Insurance. I increased coverages a little too. Wish I didn’t have to insure at all.
Ellis Wong
I live in Cleveland, OH. Received quotes from Allstate, AIG Insurance, Esurance, and Hanover for my 2010 Nissan Altima and saved about $250 a year.
Thu Kline
I can’t pay high rates. I’m in Worcester, MA. Can’t remember who all I quoted but I ended up saving about $30 each month. Left GEICO to switch. LOL
Rayna Ball
I’ve insured with 21st Century for a long time. Pretty cheap in Fort Smith, Arkansas.
Justine Mendoza
Cheap is not always the best policy. I live just outside Portland, OR. Received rates from American Family, Esurance, and Sentry for my Altima and I think I cut my rates about $20 each month. Was with Erie. Still almost need a second mortgage.
Bettina Herring
I’m looking for cheaper coverage. I’m in the north part of Chesapeake, Virginia. Got free quotes online for a 2010 Nissan Altima. Ended up at about $250 savings annually. Went with Progressive. Insured with Safeco before. Hardly afford to drive anymore.