How Much Does 2013 Nissan Altima Insurance Cost?

Want better insurance rates for your Nissan Altima? Having to pay for overpriced insurance can empty your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away.

Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

Which Auto Insurance is Cheapest?

There are multiple methods to compare 2013 Nissan Altima auto insurance quotes, but some are less labor-intensive and much quicker. You can spend countless hours driving to insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Most car insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company then returns a price quote for coverage. This eliminates the need for quotation requests to each individual auto insurance company.

To enter your information into the quoting system, click here to open in new window.

The only downside to using this type of system is you can’t choose the companies to receive prices from. So if you want to choose individual companies for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare the exact same coverage limits on every quote you get. If you are comparing unequal deductibles or liability limits it will be next to impossible to decipher which rate is best. Quoting even small variations in coverage limits may result in large price differences. And when comparison shopping, having more price comparisons will increase your chances of finding the best rates.

Best discounts on 2013 Nissan Altima coverage

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but a few must be specifically requested prior to getting the savings.

  • Memberships – Being a member of a civic or occupational organization could trigger savings on insurance coverage on Altima coverage.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current expiration date. The savings is around 10%.
  • Government Employees – Simply working for the federal government can save as much as 8% on Altima coverage with certain companies.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Simply owning a home can save you money because owning a home demonstrates responsibility.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.

It’s important to note that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous. Any amount of discount will help reduce the cost of coverage.

Insurance companies that may have these money-saving discounts are:

Check with every prospective company which discounts you may be entitled to. Savings might not apply everywhere.

Factors determining your Nissan Altima insurance premium

An important part of buying insurance is that you know the different types of things that go into determining your car insurance rates. Understanding what determines base rates helps enable you to make changes that will entitle you to big savings.

Listed below are a few of the “ingredients” that factor into prices.

  • Higher deductibles cost less – The deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. The more you are required to pay out-of-pocket, the lower your rates will be on Altima coverage.
  • Lower rates come with age – Young drivers are statistically proven to get distracted easily when driving so they pay higher car insurance rates. Having to add a youthful driver onto your car insurance can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Cautious drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Multiple policies with one company can save – Some insurers provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to shop around to ensure the best deal.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions might point out if your situation will benefit from professional help.

  • If my 2013 Nissan Altima is totaled, can I afford another vehicle?
  • Am I covered if I break a side mirror?
  • Where can I find high-risk insurance?
  • Should I carry comprehensive and collision coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my dog or cat covered if injured in an accident?
  • How do I buy GAP insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I drop full coverage on my 2013 Nissan Altima?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 2013 Nissan Altima

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Collision coverage – Collision insurance will pay to fix damage to your Altima caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, damaging your car on a curb, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses like surgery, nursing services, pain medications, dental work and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability – This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, attorney fees, bail bonds, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Don’t throw your cash in the trash

Throughout this article, we presented some good ideas how to reduce 2013 Nissan Altima insurance prices online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the most savings is with a small local company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Cheap insurance is possible online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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