View 2002 Nissan Altima Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Nissan Altima? Finding lower premiums on insurance coverage can be challenging for consumers new to shopping for insurance online. You have so many options that it can easily become a big hassle to find lower rates.

Consumers need to compare prices every six months due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best deal for Altima coverage a year ago a different company probably has better rates today. There is too much inaccurate information about insurance coverage online but by reading this article, you’re going to learn some great ways to quit paying high insurance coverage rates.

Finding more affordable coverage is quite easy. Just about everyone who carries auto insurance will most likely be able to cut their insurance bill. But car owners must learn how the larger insurance companies sell insurance online and apply this information to your search.

Where Can I Get Cheap Insurance?

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the most efficient way to do it. You can waste a lot of time talking to agents in your area, or you could use online quoting to get prices fast.

All the larger companies participate in a marketplace where prospective buyers only type in their quote data once, and each company returns a competitive quote. This eliminates the need for quotation requests to each individual insurance company.

To participate in this free quote system, click here (opens in new window).

The single downside to pricing coverage this way is you are unable to specify which carriers you want pricing from. So if you prefer to pick individual companies to compare, we have assembled a list of low cost insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages for each comparison quote. If you are comparing different liability limits it will be very difficult to truly determine the lowest rate. Just a small difference in limits can mean a large discrepancy in price. And when comparing insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best price.

Discounts can save BIG

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be specifically requested before you get the savings.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • Low Mileage – Fewer annual miles on your Nissan can earn better rates on cars that stay parked.
  • No Claims – Claim-free drivers pay much less when compared to frequent claim filers.
  • Student Driver Training – Have your child enroll in driver’s education in school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Altima coverage with certain companies.

It’s important to note that most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut your overall premium however.

To see a list of insurers offering insurance coverage discounts, click this link.

Nissan Altima insurance premiums are calculated by many factors

It’s important that you understand some of the elements that help determine car insurance rates. Knowing what influences your rates enables informed choices that could result in big savings.

  • Discounts for married couples – Being married actually saves money on your policy. Having a spouse means you’re more responsible and it’s statistically proven that married couples file fewer claims.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you in the event that you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can look forward to higher rates. Auto insurance companies generally give cheaper rates to drivers who are claim-free. Insurance coverage is meant to be used in the event of larger claims.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Careers like real estate brokers, architects and dentists tend to pay the highest average rates attributed to job stress and lots of time spent at work. Other jobs such as pilots, historians and performers have the lowest average rates for Altima coverage.
  • Don’t buy coverages you don’t need – There are many extra coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Multi-policy discounts can save money – The majority of insurers provide better rates to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.
  • Increase deductibles and save – Deductibles for physical damage define the amount you are willing to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. The more you have to pay, the bigger discount you will receive for Altima coverage.
  • Older drivers save more – Youthful drivers tend to be less responsible behind the wheel so car insurance rates are higher. Parents adding a teen driver to your policy can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.

Will just any policy work for me?

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions might point out whether or not you may require specific advice.

  • Can I afford to buy a different vehicle if my 2002 Nissan Altima is totaled?
  • Am I covered when using my vehicle for business?
  • Am I covered when pulling a rental trailer?
  • Will my rates increase for filing one claim?
  • Do I need motorclub coverage?
  • Is my babysitter covered when using my vehicle?
  • Can I make deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverages and their meanings

Having a good grasp of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for bills like hospital visits, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage – Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical services, court costs and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Altima.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This coverage pays for damage to your Altima from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, hitting a bird, rock chips in glass, falling objects and damage from getting keyed. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Best coverage at the best price

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, policy cancellation and even high prices. It doesn’t matter why you want to switch finding the right auto insurance provider is easier than you think.

We’ve covered some good ideas how to get a better price on 2002 Nissan Altima insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies.

Affordable insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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