Lower Your 1993 Nissan Altima Car Insurance Rates

Drivers have options when trying to find low-cost Nissan Altima insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to find insurance coverage online and you need to know the quickest way to quote coverages for your Nissan and get the cheapest rates.

It’s smart to do rate comparisons on a regular basis since rates trend upward over time. Despite the fact that you may have had the best rates on Altima coverage a few years ago you may be paying too much now. You can find a lot of wrong information about insurance coverage online but I’m going to show you some of the best ways to quit paying high insurance coverage rates.

Take discounts and save

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Most are applied when you complete an application, but some must be asked for in order for you to get them. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Altima coverage with certain companies.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Multi-car Discount – Having more than one vehicle with the same company can get a discount on all vehicles.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Auto/Home Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more if your company offers it.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But all discounts will reduce your overall premium however.

To see a list of insurers with discount car insurance rates, click here.

Factors that can influence insurance rates for a Nissan Altima

Smart consumers have a good feel for some of the elements that go into determining insurance rates. Knowing what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are some of the factors companies use to determine prices.

  • High credit ratings translate to low rates – A driver’s credit rating is a large factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit history can use some improvement, you could pay less to insure your 1993 Nissan Altima by spending a little time repairing your credit.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers. Teen drivers are statistically proven to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.
  • Too many insurance claims drive up costs – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Companies provide better rates to people who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the large, substantial claims.
  • Are you male or female? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have accidents in similar percentages, but men cause more damage. Men also receive more costly citations such as reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high insurance rates.
  • Drive a safer car and pay less – Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Nissan Altima earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Do you need those extra coverages? – There are a lot of additional coverages you can purchase on your Altima policy. Insurance for vanishing deductibles, better glass coverage and motor club memberships are some examples. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.

Which policy gives me the best coverage?

When it comes to choosing coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • Do I need medical payments coverage since I have good health insurance?
  • How much liability insurance is required?
  • What is roadside assistance coverage?
  • Does medical payments coverage apply to all occupants?
  • Who is covered when they drive my 1993 Nissan Altima?
  • Is my teenager covered with friends in the car?
  • What is an SR-22 filing?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Advertising myths

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings after switching to them.

How does each company say the same thing?

Different companies can use profiling for the right customer that makes them money. An example of a profitable customer could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A customer who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Consumers who don’t measure up to these standards will be quoted a higher premium which usually ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently advertise the way they do.

This emphasizes why you should compare as many rates as you can. It’s not possible to predict which company will have the lowest Nissan Altima insurance rates.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, damage from a tornado or hurricane, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage – Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, attorney fees, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision coverage covers damage to your Altima caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices, nursing services, funeral costs and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

UM/UIM Coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Nissan Altima.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Find Good Coverage for Less

Affordable 1993 Nissan Altima insurance can be found on the web and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Insureds switch companies for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, denial of a claim and policy cancellation. Regardless of your reason, finding a great new company can be easier than you think.

We just presented many ways to shop for insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the most savings is with the smaller companies.

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