Save on 2016 Nissan Altima Car Insurance Rates

Buyers have a choice when searching for the lowest priced Nissan Altima insurance. You can either waste hours contacting agents getting price quotes or use the internet to make rate comparisons. There is a better way to buy insurance so we’re going to tell you the quickest way to compare rates for a new or used Nissan and find the cheapest rates from local insurance agents and online providers.

You should make it a habit to do rate comparisons occasionally because insurance prices are rarely the same from one policy term to another. Even if you got the best rate on Altima coverage a couple years back other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to find better coverage at a better price.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Drivers only need an understanding of the most effective way to shop on the web.

What impacts Nissan Altima insurance rates?

An important part of buying insurance is that you know some of the elements that are used to determine the rates you pay for auto insurance. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower rates. Many things are considered when quoting car insurance. Some are obvious like a motor vehicle report, but some are not as apparent like your vehicle usage or your financial responsibility.

• Decrease prices by maintaining coverage – Going without insurance is a fast way to trigger a rate increase. Not only will you pay higher rates, failure to provide proof of insurance might get you a steep fine or even jail time.
• More policies can equal more savings – Lots of companies will award discounts to clients who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to compare other company rates to guarantee you are still saving the most. Consumers may find a better deal by buying insurance from more than one company.
• Limits of liability – Your auto insurance policy’s liability coverage will afford coverage in the event that you are found to be at fault for causing personal injury or damage in an accident. It provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Don’t abuse policy claims – Auto insurance companies provide lower rates to drivers who do not file claims often. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended for the large, substantial claims.
• If you don’t need it don’t buy it – There are a ton of add-on coverages that sound like a good idea at the time if you aren’t careful. Insurance for things like rental car reimbursement, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. These coverages may sound good when buying your policy, but if they’re wasting money remove them and pocket the money.

Quote auto insurance online

Most major insurance companies such as Progressive, Allstate and Geico provide pricing online. Doing online quotes doesn’t take a lot of time as you just type in your coverage information into a form. After you complete the form, the system will order credit information and your driving record and gives you a price quote based on these factors.

Being able to quote online makes comparing rates easy, but the time required to go to multiple sites and complete many quote forms can be a bit repetitive. But it’s very important to compare as many rates as possible in order to find the lowest possible prices on auto insurance.

A quicker way to lower your auto insurance bill uses one form to obtain quotes from multiple companies. It’s a real time-saver, requires less work, and makes online quotes much more efficient. After sending your information, it is quoted and you are able to buy any or none of the returned quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

If you want to compare rates now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with the coverages just like they are on your policy. Doing this assures you will have a rate comparison for similar coverage.

The insurance coverage bait and switch

Consumers constantly see and hear ads that claim the cheapest prices by Progressive, Allstate and Geico. They all convey the message about saving some big amount just by switching to them.

How does each company offer drivers better rates? Here is the trick they use.

Companies look for specific characteristics for the type of insured that earns them a profit. One example of a profitable customer might be between the ages of 40 and 55, has other policies, and has a short commute. Any new insured that matches those criteria receive the lowest rate quotes and will probably save some money.

Insureds who are not a match for these stringent criteria will have to pay a higher premium which usually ends up with the customer not purchasing. Company advertisements say “drivers that switch” not “everyone that quotes” save money. That is how insurance companies can confidently make those claims. Because every company is different, you should get a wide range of price quotes. Because you cannot predict which insurance coverage company will fit your personal profile best.

Affordable auto insurance rates with discounts

Some insurers don’t always list every disount available in a way that’s easy to find, so the list below contains a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

• Discounts for Good Drivers – Accident-free drivers can save as much as half off their rates on Altima coverage compared to accident prone drivers.
• Life Insurance Discount – Some auto insurance companies give a break if you buy some life insurance too.
• Savings for New Vehicles – Adding a new car to your policy may earn a small discount since newer models have better safety ratings.
• Service Members Pay Less – Being deployed with a military unit can result in better auto insurance rates.
• Employee of Federal Government – Federal government employees may qualify for a discount when you quote car insurance on Altima coverage with a few auto insurance companies.

Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To view insurers that have a full spectrum of discounts, click here.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions can help discover whether you will benefit from professional help.

• Do I need replacement cost coverage?
• Is my state a no-fault state?
• I don’t drive much so do I pay less?
• Is there coverage for injuries to my pets?
• What happens if I owe more than my 2016 Nissan Altima is worth?
• What is covered by UM/UIM coverage?
• Is my 2016 Nissan Altima covered for flood damage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverages explained

Knowing the specifics of car insurance can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Nissan Altima.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, medical expenses, legal defense fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, rehabilitation expenses and surgery. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, vandalism, falling objects, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This will pay to fix damage to your Altima from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with another moving vehicle, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Final thoughts

We covered a lot of information how to lower your 2016 Nissan Altima insurance premium rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from a small mutual company.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage for the lowest cost while still protecting your assets.

Insureds change insurance companies for any number of reasons including policy cancellation, questionable increases in premium, an unsatisfactory settlement offer and high rates after DUI convictions. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

Additional information is available at the links below

• Cellphones, Texting and Driving (iihs.org)
• Who Has Affordable Car Insurance for a Nissan Altima in Oklahoma City? (AutoGuardOKC.com)
• Neck Injury FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Auto Insurance 101 (About.com)