2014 Nissan Altima Insurance Rates – 6 Savings Tips

Trying to find cheaper auto insurance rates for your Nissan Altima? Searching for cheaper insurance for a Nissan Altima can normally be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the best way to quote coverages for your Nissan and get the lowest price either online or from local insurance agents.

Smart consumers take time to take a look at other company’s rates yearly since prices are rarely the same from one policy term to another. Just because you had the best deal on Altima insurance last year you can probably find a better rate quote now. Ignore everything you know about auto insurance because you’re about to learn how to quote online to find the best coverage while lowering your premiums.

Buying affordable auto insurance is simple if you know the tricks. If you have a current auto insurance policy or are shopping for new coverage, you can use this information to cut your premiums and still get good coverage. Drivers only need an understanding of the proper methods to compare rates online.

The fastest way that we advise to compare rate quotes is to know the trick most larger insurance companies will pay a fee to give you rate quotes. To get started, all you need to do is give them rating details including if it has an anti-theft system, if the vehicle is leased, your education level, and what your job is. That information is instantly sent to insurance carriers in your area and you get price estimates instantly to find the best rate.

Six discounts for cheap auto insurance rates

Companies don’t necessarily list all their discounts in a way that’s easy to find, so the following list contains some of the best known and the more hidden discounts that may be available.

• Accident Free – Claim-free drivers are rewarded with significantly better rates on auto insurance quote when compared with accident-prone drivers.
• Mature Driver Discount – If you qualify as a senior citizen, you may qualify for lower premium rates on Altima insurance.
• Student in College – College-age children who are attending college and do not have a car could get you a discount.
• Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
• Auto/Home Discount – If you can combine your auto and homeowners policy with the same company you could save nearly 15% which can help you find cheap auto insurance.

As is typical with insurance, some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To find insurers who offer discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions could help you determine if you might need an agent’s assistance.

• Does medical payments coverage apply to all occupants?
• When should I not file a claim?
• Is my dog or cat covered if injured in an accident?
• Where can I get insurance after a DUI in my state?
• When do I need to add a new car to my policy?
• How much liability do I need to cover my assets?
• Who is covered when they drive my 2014 Nissan Altima?
• Will my insurance pay for OEM parts?
• What if I owe more than I can insure my car for?
• Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance 101

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, rehabilitation expenses, dental work and ambulance fees. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your 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

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This provides protection from damage that occurs to other people or property in an accident. 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 values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, falling objects, hitting a bird and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

A penny earned…

Cost effective 2014 Nissan Altima insurance can be found online in addition to local insurance agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance companies don’t offer internet price quotes and these small, regional companies only sell through independent insurance agencies.

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of ways to compare 2014 Nissan Altima insurance rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest rates come from the least-expected company.

Additional articles

• Teen Driver Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)