2023 Nissan Altima Insurance Quotes in 2024 – 7 Ideas for Cheaper Rates

Trying to find better auto insurance rates for your Nissan Altima? Having to pay for pricey Nissan Altima insurance can eat up your accounts and put the squeeze on your family’s finances.

Due to the abundance of options, it can be difficult for people to locate the lowest price auto insurance company.

Don’t overlook these seven auto insurance discounts

Not too many consumers would say auto insurance is affordable, but there are discounts available that many consumers don’t even know exist. Most are applied when you quote, but some discounts are required to be specially asked for before you will receive the discount. If you’re not getting every credit you qualify for, you could be paying more than you need to.

• Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can avoid the installment charge.
• Drive Less and Save – Fewer annual miles on your Nissan may enable drivers to earn substantially lower rates.
• Good Grades Discount – This discount may save as much as 25% on a insurance quote. Earning this discount can benefit you up to age 25.
• Discounts for New Vehicles – Insuring a new car can be considerably cheaper compared to insuring an older model.
• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
• Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Altima insurance than less cautious drivers.
• Government Employees – Employees or retirees of the government can save as much as 8% on Altima insurance with a few auto insurance companies.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like you would end up receiving a 100% discount, companies don’t profit that way.

If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above, enter your zip code here.

When to get professional advice

When it comes to choosing coverage, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation will benefit from professional help.

• Is pleasure use cheaper than using my 2023 Nissan Altima to commute?
• When should I buy a commercial auto policy?
• When should I not file a claim?
• I have health insurance so do I need medical payments coverage?
• Are my tools covered if they get stolen from my vehicle?
• Do I have newly-acquired coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Brand name doesn’t guarantee savings

Popular car insurance providers such as Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all try to convey promises that you can save just by switching your coverage. It sounds good, but how can they all claim to save you money? Just pay attention to how they say it.

Many companies can use profiling for the type of driver that will not have excessive claims. A good example of a profitable insured could possibly be over the age of 35, has a clean driving record, and has excellent credit. A customer getting a price quote that hits that “sweet spot” may get the lowest prices and have a good chance to save when they switch companies.

Consumers who are not a match for this ideal profile may receive a higher rate with the end result being business not being written. The trick is to say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s why insurance companies can confidently state the savings.

Each company has different criteria, so it’s extremely important to compare free insurance quotes often. It’s not possible to predict which car insurance company will have the lowest rate quotes.

Insurance policy coverages for a Nissan Altima

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Collision insurance

This coverage 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 protects against things like damaging your car on a curb, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for ambulance fees, surgery, rehabilitation expenses, funeral costs and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability coverage will cover damage that occurs to people or other property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like loss of income, court costs and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Altima.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Do the work, save more money

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut full coverage to discover at claim time that it was a big error on their part. The aim is to buy the best coverage you can find at the best cost, but do not skimp to save money.

Budget-friendly auto insurance is available online in addition to many insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide rates over the internet and these small insurance companies only sell coverage through local independent agencies.