2008 Nissan Altima Car Insurance Rates

Want the cheapest insurance rates for your Nissan Altima? Have you had enough of being strong-armed to buy car insurance? You are no different than many other drivers. Insurance companies such as GEICO, 21st Century and Progressive increase brand awareness with advertising and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

Consumers need to compare rates before your policy renews because insurance rates tend to go up over time. Despite the fact that you may have had the best rates for Altima coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper insurance.

Discounts are available to cut your rates

Companies don’t always list every available discount very clearly, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Club Memberships – Being a member of a professional or civic organization could trigger savings when buying insurance coverage for Altima coverage.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if you qualify.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Altima coverage than their less cautious counterparts.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.

It’s important to note that some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

Companies that possibly offer these discounts include:

Check with every prospective company how you can save money. Discounts may not apply in your state.

Auto Insurance Quote Comparison

Getting better 2008 Nissan Altima auto insurance pricing isn’t really that difficult. Consumers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be done in several different ways.

The best way to get quotes is to use a rate comparison form click to view form in new window. This form eliminates the need for separate forms to each individual auto insurance company. Filling out one form gets rate comparisons instantly.

A different way to analyze rates is going to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Allstate, Esurance and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least recommended way to get comparison rates is to drive around to different agent offices. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the trained guidance that only a license agent can provide. You can, however, compare the best prices online but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but be sure to compare identical quote information with each company. If the quotes have different values for each quote it’s impossible to determine which rate is truly the best.

Everyone needs different coverages

When buying coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my Nissan Altima covered if I use it for business?
  • Am I covered by my spouse’s policy after a separation?
  • Do I really need UM/UIM coverage?
  • I don’t drive much so do I pay less?
  • Is my cargo covered for damage or theft?
  • What are the best liability limits?
  • Am I covered if I hit a deer?
  • What should my uninsured motorist coverage limits be in my state?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Specific coverages for a 2008 Nissan Altima

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Collision insurance

This coverage covers damage to your Altima resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, vandalism, hitting a deer, damage from flooding and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as loss of income, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Altima.

Since many drivers 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 very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like chiropractic care, hospital visits, dental work and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Have money to burn

Cost effective 2008 Nissan Altima insurance is attainable from both online companies and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and these small, regional companies work with independent agents.

We covered many ideas to get a better price on insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

Additional car insurance information is available at the links below