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Nissan Altima Insurance Rates

Buying auto insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates. The most important part is getting rates from as many companies as possible in order to have the lowest priced insurance.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting better Altima insurance cost can be quick and easy. Just take time to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Insurance premiums for your Nissan Altima can be significantly different depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Safety rating of your Altima
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older Nissan models so the cost to replace them may end up costing you more. On the flip side, more recent Nissan vehicles have more advanced features like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance - This coverage will cover damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - Collision insurance will pay to fix damage to your Nissan resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper Altima insurance rates.

Comprehensive insurance - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Nissan Altima Insurance Rates?