2010 Nissan Altima Insurance Cost

Drivers have many options when trying to find the lowest priced Nissan Altima insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons. There is a better way to compare car insurance rates and you need to know the quickest way to quote coverages for a new or used Nissan and obtain the lowest possible price from local insurance agents and online providers.

It’s a good habit to get comparison quotes on a regular basis due to the fact that insurance prices are usually higher with each renewal. Despite the fact that you may have had the best price on Altima insurance a couple years back there may be better deals available now. Don’t believe everything you read about car insurance on the web, but you can learn some good information on how to lower your car insurance bill.

You can change your insurance premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that go into determining the rates you pay for auto insurance. If you understand what influences your rates, this helps enable you to make changes that will entitle you to cheaper rates. Multiple criteria are part of the calculation when you quote your car insurance policy. Some are obvious like an MVR report, but some are not as apparent such as your marital status or how safe your car is.

The factors shown below are some of the items that factor into prices.

  • Costs may be higher where you live – Choosing to live in less populated areas may provide you with better prices when trying to find low car insurance rates. People who live in big cities have much more traffic and longer commutes to work. Less people living in that area means reduced accidents and lower theft and vandalism rates.
  • Being married is a good thing – Walking down the aisle may save some money on your auto insurance policy. It usually means you are more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Save money with theft deterrents – Buying a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft.
  • Cars with good safety ratings means lower premiums – Vehicles that have high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums.
  • Drive fewer miles and save – The more you drive each year the higher your rates will be. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos left parked in the garage receive lower rates than cars that get driven a lot. Make sure your auto insurance policy properly reflects the right rating data, because it can save money. A policy that improperly rates your Altima is throwing money out the window.
  • Costs also based on gender – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Females and males cause at-fault accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers generally have the highest accident percentage and thus pay the highest rates.

Which insurance coverage is cheapest?

There are a lot of ways to compare insurance coverage prices and some are less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you could save time and use the web to get prices fast.

Most of the best insurance companies participate in an industry program where prospective buyers send in one quote, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing quotation requests to every company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which companies you will receive quotes from. If you prefer to choose from a list of companies for rate comparison, we have a listing of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but be sure to compare the same deductibles and coverage limits on every quote you get. If each company quotes different liability limits it will be very difficult to make a fair comparison for your Nissan Altima.

You may qualify for discounts

Insurance coverage is neither fun to buy or cheap, but discounts can save money and there are some available that may help make it more affordable. Many discounts should be triggered at the time of purchase, but some may not be applied and must be asked for prior to getting the savings.

  • E-sign – Some of the larger companies will provide an incentive for buying a policy and signing up on their website.
  • Sign Early and Save – Some insurance coverage companies give discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • Homeowners Pay Less – Being a homeowner can save you money because it demonstrates responsibility.
  • Discount for New Cars – Putting insurance on a new car can save you some money since newer vehicles are generally safer.
  • Military Rewards – Being deployed in the military may lower your prices slightly.
  • Accident Forgiveness – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free prior to being involved in the accident.
  • Senior Discount – Older drivers could receive a discount up to 10% on Altima insurance.
  • Save with More Vehicles Insured – Having multiple cars with the same company can reduce rates for all insured vehicles.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it can save substantially.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance quote.

You should keep in mind that some credits don’t apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way.

If you would like to see a list of insurance companies who offer free insurance coverage quotes, follow this link.

There’s no such thing as the perfect auto insurance policy

When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Is my teen driver covered when they drive my company car?
  • Does my policy pay for OEM or aftermarket parts?
  • Will I lose any money if I cancel my policy before it expires?
  • What is no-fault insurance?
  • Do I have coverage when making deliveries for my home business?
  • Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects you from legal claims by others. It does not cover damage sustained by your vehicle 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 policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical services, repair costs for stationary objects, funeral expenses and loss of income. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills like EMT expenses, X-ray expenses, ambulance fees, funeral costs and pain medications. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage

Collision insurance covers damage to your Altima from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, a broken windshield, fire damage and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Be a money saver!

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at the best possible price, not the least amount of coverage.

The cheapest 2010 Nissan Altima insurance is available from both online companies as well as from insurance agents, so you need to shop insurance with both to have the best selection. Some companies may not provide online price quotes and usually these smaller providers only sell through local independent agents.

People who switch companies do it for any number of reasons including being labeled a high risk driver, policy cancellation, extreme rates for teen drivers and delays in responding to claim requests. Regardless of your reason, finding a new insurance coverage company is less work than it seems.

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