1995 Nissan Altima Car Insurance Rates

Locating low-cost insurance for your Nissan Altima can turn out to be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to shop for insurance so you’re going to learn the quickest way to compare rates for a new or used Nissan and find the cheapest rates.

It’s a good idea to compare rates once or twice a year since insurance rates fluctuate regularly. Even if you think you had the best price on Altima insurance a few years ago you will most likely find a better rate today. Block out anything you think you know about insurance because you’re about to learn how to use the internet to reduce your cost while improving coverage.

Shopping for affordable protection is not that difficult. If you have a current insurance policy or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers just need to learn the most effective way to shop online.

Discounts are basically free money

Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be manually applied in order for you to get them. If you’re not getting every credit available, you’re paying more than you need to.

  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
  • Memberships – Participating in certain professional organizations could trigger savings on your policy on Altima insurance.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Low Mileage – Fewer annual miles on your Nissan can earn a substantially lower rate.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Altima insurance than less cautious drivers.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurance companies who offer insurance discounts, click this link.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions might point out whether your personal situation could use an agent’s help.

  • Can I afford to pay high deductible claims out of pocket?
  • What is UM/UIM insurance?
  • Am I covered if I hit a deer?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need more liability coverage?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Save $472 a year. For real?

Consumers constantly see and hear ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. They all seem to say the same thing that you’ll save big if you change to them.

How can each company claim to save you money?

All companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk could possibly be over the age of 40, has no prior claims, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and therefore will save when they switch companies.

Potential customers who don’t meet this ideal profile will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save money. This is how insurance companies can make those claims.

This emphasizes why it is so important to get quotes from several different companies. It’s impossible to know which company will give you the biggest savings on Nissan Altima insurance.

Car insurance coverages for a Nissan Altima

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability

This coverage can cover damage or injury you incur to people or other property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage

Collision insurance covers damage to your Altima resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, a tree branch falling on your vehicle, fire damage and rock chips in glass. 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, EMT expenses, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Nissan Altima.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Shop. Compare. Save.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, lack of trust in their agent, unfair underwriting practices and even poor customer service. Whatever your reason, choosing a new insurance company is actually quite simple.

When trying to cut insurance costs, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cheaper 1995 Nissan Altima insurance can be bought online and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer online quoting and these smaller companies work with independent agents.

More information is available at the links below