How Much Does 2006 Nissan Altima Car Insurance Cost?

Searching for cheaper insurance rates for your Nissan Altima? I can’t think of anyone who cherishes buying insurance, in particular when the price is too high.

With consumers having so many options when it comes to insurance, it is hard for the average consumer to choose the right insurance company.

Locating affordable insurance is not that difficult. In a nutshell, every vehicle owner who has to buy insurance stands a good chance to be able to lower their premiums. But drivers do need to know how the larger insurance companies determine prices and use this information to your advantage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Some trigger automatically when you complete an application, but some must be specifically requested before you get the savings.

  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Altima insurance depending on your company.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up on their website.
  • Drive Less and Save – Keeping the miles down on your Nissan could be rewarded with a substantially lower rate.
  • Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
  • Senior Discount – If you’re over the age of 55, you may be able to get better insurance rates on Altima insurance.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount if you qualify.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, you’re out of luck. Any amount of discount will cut the cost of coverage.

To see a list of insurers who offer insurance discounts, follow this link.

Car Insurance Prices

Comparing car insurance rates can take time and effort if you don’t understand the most efficient way to do it. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Many companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company can give them a price based on that data. This eliminates the need for repetitive form submissions for each company.

To compare 2006 Nissan Altima rates using this form now click here to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose the companies you will receive quotes from. If you prefer to choose specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages for every quote you compare. If you are comparing unequal deductibles or liability limits it’s not possible to determine which rate is truly the best. Just a small difference in limits may result in a large different in cost. It’s important to know that obtaining a wide range of quotes provides better odds of finding lower pricing.

Different people need different coverages

When it comes to buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Why do I only qualify for high-risk insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need motorclub coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • How can I force my company to pay a claim?
  • Is a blown tire covered by insurance?
  • Is my trailer covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

Collision protection

This coverage 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 then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, crashing into a building, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, pain and suffering, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance will pay to fix 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 coverage pays for claims like damage from getting keyed, hitting a deer, hitting a bird and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for doctor visits, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Altima.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

In Summary

We just showed you many ways to get a better price on 2006 Nissan Altima insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from some of the lesser-known companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.

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