2014 Nissan Altima Insurance Rates – 7 Savings Tips

Searching for better auto insurance rates for your Nissan Altima? Overpriced Nissan Altima insurance can overdraw your checking account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to cut your insurance bill. Multiple insurance companies compete to insure your vehicles, so it’s not easy to compare every company to get the cheapest price

You should take the time to get comparison quotes yearly because insurance rates change regularly. Just because you found the best price on Altima insurance last year you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance on the web, but I’m going to show you some of the best ways to save money.

Comprehensive Auto Insurance Comparison

There are a variety of methods to shop for 2014 Nissan Altima auto insurance, but some are less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get prices fast.

Most of the larger companies participate in a marketplace where prospective buyers send in one quote, and every company then returns a price quote based on that data. This prevents consumers from doing quote forms for every auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to using this type of system is you cannot specify the insurers you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have a listing of auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage limits and deductibles on every quote. If the quotes have different limits and deductibles on each one it will be very difficult to make a fair comparison for your Nissan Altima.

You probably qualify for some discounts

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known ways to save on insurance coverage. If they aren’t giving you every credit possible, you are paying more than you should be.

• Life Insurance – Some companies give better rates if you take out auto and life insurance together.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
• Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
• Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
• Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• Student in College – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
• Drive Less and Save – Fewer annual miles on your Nissan could qualify for discounted rates on garaged vehicles.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck.

To see a list of insurers with discount insurance coverage rates, click this link.

There’s no such thing as the perfect policy

When buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if you could use an agent’s help.

• What can I do if my company denied a claim?
• Should I sign the liability waiver when renting a car?
• Is motorclub coverage worth it?
• Will I lose any money if I cancel my policy before it expires?
• Does coverage extend to a rental car in a foreign country?
• Can my babysitter drive my car?
• Which companies will insure high-risk drivers?
• Is a fancy paint job covered?
• Why am I required to get a high-risk car insurance policy?
• Does liability extend to a camper or trailer?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, damage from flooding, hitting a bird, hitting a deer and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries 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.

Collision protection

This pays for damage to your Altima resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, crashing into a ditch, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, EMT expenses, nursing services and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible