2014 Nissan Altima Insurance Quotes – 9 Tricks for Cheaper Rates

Looking for better car insurance rates for your Nissan Altima? Buying lower-cost car insurance is difficult for consumers who are beginners to quoting and buying their car insurance on the web. With more and more companies in the marketplace, how can drivers efficiently compare every company in order to find the lowest rates?

The best way we recommend to compare policy rates utilizes the fact car insurance companies allow for online access to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details including coverage limits, marital status, how your vehicles are used, and if you have a valid license. Those rating factors is then sent to multiple different insurance companies and they return quotes within a short period of time.

To get price quotes for your car now, click here and enter your zip code.

Do you qualify for these nine discounts?

Some insurance providers do not advertise every possible discount very clearly, so the list below contains both well-publicized and the harder-to-find savings tricks you should be using when you buy auto insurance online.

  • Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Pay Upfront and Save – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • First Accident Forgiveness – Not necessarily a discount, but certain companies will forgive one accident without the usual rate increase if you have no claims before the accident.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates for Altima coverage compared to rates paid by drivers with frequent claims.
  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the internet.
  • College Student Discount – Kids who are attending college without a vehicle on campus can receive lower rates.
  • Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles on the same auto insurance policy may reduce the rate for each vehicle.

It’s important to note that most credits do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Insurance companies that may include most of the discounts above possibly include:

If you want inexpensive auto insurance quotes, ask every company the best way to save money. Some credits may not apply to policies in your area. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if you may require specific advice.

  • Where can I get insurance after a DUI in my state?
  • What is an SR-22 filing?
  • Why is insurance for a teen driver so high?
  • What can I do if my company denied a claim?
  • Do I need an umbrella policy?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, hail damage and damage from flooding. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

This can cover damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, attorney fees, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This covers damage to your Altima resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, crashing into a ditch, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills for things like EMT expenses, X-ray expenses, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Altima.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.