2017 Nissan Altima Insurance Quotes – 9 Ideas for Cheapest Rates

Are you irritated from wondering where the money will come from to make your insurance coverage payment? You have the same problem as many other consumers.

There is such a variety of insurance companies to insure vehicles with, and although it’s nice to have multiple companies, lots of choices makes it harder to find the best rates for your vehicles.

You should make it a habit to compare rates occasionally since insurance prices trend upward over time. Just because you had the lowest rates for Altima coverage two years ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn the fastest way to find better coverage at a better price.

How to lower your car insurance cost

When looking for affordable auto insurance quotes, there are a couple ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find competitive 2017 Nissan Altima insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  1. If you are pressed for time, the simplest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quotation requests for each company you want a rate for. A single form gets you coverage quotes from several companies.
  2. Another way to compare prices consists of going to the website for each individual company and request a quote. For sake of this example, let’s assume you want to view quotes from State Farm, Liberty Mutual and Farmers. In order to compare rates, you need to go to each individual site to input your insurance information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.
  3. The final method to compare rates is calling or driving to different agent offices. Quoting and buying insurance online makes this process obsolete unless you have a complicated situation and need the personal advice of an agent trained in personal lines coverage. Although, it is possible compare the best prices online but buy from a local insurance agent.

The approach you take is up to you, just be sure to compare nearly identical quote data for every quote you compare. If each company quotes different values for each quote you can’t possibly make an equal comparison. Just a small difference in insurance coverages may result in large price differences. And when comparing car insurance rates, know that getting more free quotes will increase your chances of finding more affordable insurance. Not every company provides online price quotes, so it’s important to compare prices from the smaller companies as well.

Insurance quotes and discounts

Insuring your vehicles can cost a lot, but there may be some discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked about prior to receiving the credit. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • 55 and Retired – Seniors may qualify for a discount up to 10% for Altima coverage.
  • E-sign – Some insurance companies may give you up to $50 for completing your application on their website.
  • Passive Restraints – Cars that have air bags or automatic seat belts can get savings of 25 to 30%.
  • Professional Memberships – Belonging to a civic or occupational organization can get you a small discount on your next insurance statement.
  • College Student Discount – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Homeowners Savings – Owning a home can save a few bucks because it demonstrates responsibility.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.
  • Multiple Vehicles – Buying a policy with more than one vehicle with the same company may reduce the rate for each vehicle.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.

A quick disclaimer, many deductions do not apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free insurance policy, it’s just not the way it works. Any amount of discount will help lower your policy premiums.

A list of companies and some of the premium reductions they offer are included below.

  • Progressive may include discounts for continuous coverage, good student, multi-vehicle, online signing, multi-policy, online quote discount, and homeowner.
  • AAA discounts include good student, pay-in-full, AAA membership discount, education and occupation, multi-car, and multi-policy.
  • Farmers Insurance has discounts for distant student, business and professional, homeowner, good student, youthful driver, and alternative fuel.
  • GEICO may offer discounts for multi-policy, anti-lock brakes, daytime running lights, air bags, federal employee, and defensive driver.
  • Esurance includes discounts for renters, claim free, Switch & Save, anti-lock brakes, emergency road assistance, homeowner, and safety device.
  • SAFECO has savings for accident prevention training, safe driver, anti-theft, teen safety rewards, and teen safe driver.
  • State Farm offers discounts including student away at school, accident-free, Drive Safe & Save, multiple policy, and anti-theft.

Check with every prospective company to give you their best rates. Some credits may not apply to policies in your area. If you would like to see a list of companies who offer discounts, follow this link.

Situations that may require an agent’s advice

When it comes to buying coverage, there really is no one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions can aid in determining if you will benefit from professional help.

  • Do I need rental car coverage?
  • At what point should I drop full coverage?
  • What if I owe more than I can insure my car for?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • How high should my medical payments coverage be?
  • Am I missing any policy discounts?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverage information

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your 2017 Nissan Altima.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your Altima resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, damaging your car on a curb, rolling your car and crashing into a ditch. 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 save money on collision insurance.

Liability car insurance

This can cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like medical services, loss of income, repair costs for stationary objects, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

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

Comprehensive coverage protects against things such as falling objects, theft and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills like nursing services, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comments About 2017 Nissan Altima Insurance

  1. Era Gillespie

    If you have a good history and live around Mesa, AZ, check out State Farm. I saved quite a bit. Are quotes cheaper online?

  2. Tandra Schwartz

    Got a quote with American Family for my Nissan and am saving around $200 a year.

  3. Elvina Jones

    I got decent rates for a 2017 Nissan Altima in Saint Louis, MO. Ended up at darn near $280 every six months with AIG Insurance. Left Amica to switch. I have kids on my policy, too.

  4. Vanessa Burns

    I’m in the north part of Lewiston, ME. Quoted with AIG Insurance, MetLife, and USAA for my Nissan and saved $107 a year. Got better coverage too. I got prices on the web.

  5. Roberto Mcmillan

    I’m in Newark, NJ. Got car insurance prices from Progressive, Eastwood, and Liberty Mutual for my Altima and I think I am saving around $60 each month. Was with GEICO. Got better coverage too.

  6. Usha Guthrie

    Got pretty cheap 2017 Nissan Altima insurance from State Farm in Nampa, ID.

  7. Burt Moreno

    From Frederick, MD. Quoted with Safeco, Esurance, State Farm, and AAA for my Nissan and I’m now saving $48 a month. Insured with Nationwide before. I increased coverages a little too. I used their online quote form to compare rates.

  8. Danyelle Benson

    I switched to State Farm. Quoted good rates in Little Rock, AR. Was with Hartford. I’m a pretty good driver though. Just go online and compare their rates.