Lower Your 2011 Nissan Altima Car Insurance Quotes

Shopping for car insurance is not something people enjoy, but all states require it to be legal behind the wheel.

Don’t overlook these discounts

Companies that sell car insurance don’t always list every discount in an easy-to-find place, so we researched some of the best known as well as the least known ways to save on insurance.

  • Save over 55 – Older drivers may be able to get better insurance rates on Altima insurance.
  • Auto/Home Discount – If you have multiple policies with the same company you will save up to 20% off your total premium.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Altima insurance with a few insurance companies.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Student Driver Training – Require your teen driver to complete a driver education course in high school.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of providers with the best insurance discounts, click this link.

Why your Nissan Altima might be costing you more

An important part of buying insurance is that you know the rating factors that play a part in calculating your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get lower auto insurance prices.

Shown below are a few of the “ingredients” that factor into your rates.

  • Better credit means lower rates – Credit score is a large factor in calculating your auto insurance rates. People with excellent credit tend to be more responsible than those with lower ratings. If your credit rating is low, you could save money insuring your 2011 Nissan Altima by improving your rating.
  • Always keep insurance in force – Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time.
  • Pay less after the wedding – Having a wife or husband helps lower the price on your policy. Marriage translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Liability coverage is peace of mind – Liability insurance is the protection if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
  • Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • With age comes lower rates – Teen drivers are known to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to cause fewer accidents and receive fewer citations.

Is my situation unique?

When buying the best insurance coverage coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • Is my 2011 Nissan Altima covered for smoke damage?
  • Do I need roadside assistance coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does having multiple vehicles earn me a discount?
  • Am I covered when driving someone else’s vehicle?
  • Is my teen driver covered when they drive my company car?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

What insurance coverages do you need?

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision protection

Collision insurance will pay to fix damage to your Altima resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage pays to fix your vehicle from 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 things such as vandalism, a broken windshield, hitting a bird, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Altima.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, ambulance fees, nursing services, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, structural damage and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Save for a rainy day

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced liability coverage limits and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford.

We covered many ways to save on 2011 Nissan Altima insurance. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with an unexpected company.

Insureds leave their current company for a variety of reasons including delays in paying claims, delays in responding to claim requests, unfair underwriting practices and lack of trust in their agent. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

Additional detailed information is located in these articles: