Compare 2015 Nissan Altima Car Insurance Rates

Have you had enough of scraping the payment together to insure your Nissan every month? You are in the same boat as many other drivers. Companies like Allstate and Progressive promote their brand names with ad campaigns and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Cheapest auto insurance quotes

Most of the larger companies like Progressive, Allstate and Geico give price estimates from their websites. The process is very simple because it’s just a matter of typing in the coverage amounts you desire into the quote form. After you submit the form their system obtains your credit score and driving record and generates pricing information based on the information you submitted. This makes comparing rates easy, but the time required to go to multiple sites and fill out multiple forms can get tiresome after awhile. But it’s also necessary to do this if you want to get a lower rate.

The smarter way to find lower prices uses one form that analyzes rates from several companies at one time. The form is fast, reduces the work, and makes rate comparisons a lot less work. After your information is entered, it is rated and you can choose any one of the price quotes you receive.

If you find a better price you can simply submit the application and buy the new coverage. The whole process only takes a few minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you type in coverages and limits as shown on your current policy. Using the same limits helps guarantee you will have a price comparison based on similar coverages.

Discounts for cheaper car insurance rates

Companies don’t always advertise every discount they offer very clearly, so here is a list a few of the more common and also the lesser-known ways to save on car insurance.

• Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Braking Control Discount – Vehicles that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance.
• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies permit an accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
• Good Student – Getting good grades may save as much as 25% on a car insurance quote. The discount lasts up until you turn 25.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
• Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on Altima insurance with select insurance companies.
• Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
• Early Renewal Discounts – Some insurance companies reward drivers for renewing your policy prior to your current policy expiration. You can save around 10% with this discount.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

To find insurers with discount rates, click here to view.

You may need specialized auto insurance coverage

When it comes to choosing the best auto insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine if your situation would benefit from professional advice.

• Am I covered if I crash into my own garage door?
• Do I have coverage when using my vehicle for my home business?
• How much liability insurance is required?
• Does my medical payments coverage pay my health insurance deductible?
• What discounts do I qualify for?
• Can I rate high risk drivers on liability-only vehicles?
• Is my custom paint covered by insurance?
• If I drive on a suspended license am I covered?
• Do I need replacement cost coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, a broken windshield and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This pays for damage to your Altima from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Altima.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, medical expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.