How Much Does 2010 Nissan Altima Insurance Cost?

Locating low-cost insurance for a new or used Nissan Altima could be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the absolute fastest way to compare rates for your Nissan and locate the cheapest rates.

It’s smart to compare rates quite often since insurance rates are constantly changing. Despite the fact that you may have had the lowest rates on Altima insurance a year ago a different company probably has better rates today. There is a lot of wrong information about car insurance online, so with this article, you’re going to get a lot of great tips on how to find cheap car insurance.

If you have insurance now or are looking for a new policy, you can learn to find the best rates while maximizing coverage. Finding the best coverage is not that difficult. Drivers only need an understanding of the proper methods to compare rates over the internet.

Factors that might impact rates for a Nissan Altima

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get better insurance rates.

  • Your location is important – Living in small towns and rural areas can be a good thing when it comes to insurance. City drivers regularly have much more traffic and longer commute times. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
  • Multiple policies with one company can save – Most companies will award you with lower prices to customers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to make sure you are getting the best deal.
  • Discounts for married couples – Being married helps lower the price on your insurance policy. Having a significant other usually means you are more mature and responsible and statistics show being married results in fewer claims.
  • Mature drivers pay less – Youthful drivers tend to be less responsible in a vehicle so they pay higher insurance rates. Mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Occupation reflects on rates – Did you know your job can affect your rates? Careers like lawyers, business owners and dentists are shown to have the highest average rates because of stressful work requirements and long work hours. Other jobs such as farmers, historians and performers pay the least on Altima insurance.
  • Save money with special equipment – Owning a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Pleasure use saves money – The more miles you rack up on your Nissan in a year’s time the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Altima can cost quite a bit. Verify your insurance policy shows how each vehicle is driven.

The quickest method we recommend to get policy rate comparisons is to know the fact auto insurance companies participate in online systems to give rate comparisons. The only thing you need to do is give them rating details such as if you went to college, what your job is, driver details, and coverage limits. That rating data is sent automatically to many highly-rated insurers and you receive quotes immediately.

Don’t listen to company ads

Consumers constantly see and hear ads for cheaper car insurance by Progressive, Allstate and GEICO. All the ads have a common claim that you’ll save big after switching to their company.

How do they all make almost identical claims? It’s all in the numbers.

All companies have a certain “appetite” for the driver that is profitable for them. For example, a profitable customer could possibly be a mature driver, insures multiple vehicles, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t meet the requirements will be charged higher prices which leads to business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully advertise the savings.

That is why you should get as many comparisons as possible. It’s not possible to predict which car insurance company will give you the biggest savings on Nissan Altima insurance.

Pay less for Nissan Altima insurance

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Some trigger automatically at the time you complete a quote, but a few need to be manually applied prior to receiving the credit. If you’re not getting every credit available, you are throwing money away.

  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.
  • Low Mileage Discounts – Keeping the miles down on your Nissan can qualify you for discounted rates on garaged vehicles.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of 20% or more.
  • Own a Home – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Altima insurance than less cautious drivers.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

It’s important to note that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurers who offer auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • Should I buy only the required minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Does insurance cover tools stolen from my truck?
  • Am I missing any policy discounts?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2010 Nissan Altima

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Nissan Altima.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, fire damage, a broken windshield, rock chips in glass and hitting a deer. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision insurance pays for damage to your Altima resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like rolling your car, hitting a mailbox, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for prosthetic devices, rehabilitation expenses, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance – This coverage can cover damage that occurs to other people or property. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, attorney fees, pain and suffering, medical services and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

One last thing about your coverage

People leave their current company for a number of reasons such as extreme rates for teen drivers, not issuing a premium refund, delays in paying claims or high rates after DUI convictions. Regardless of your reason for switching companies, finding the right insurance provider can be pretty painless.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

We’ve covered some good ideas how you can get a better price on 2010 Nissan Altima insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the best price on insurance is with the least-expected company.

To learn more, feel free to browse the articles below: