2015 Nissan Altima Car Insurance Cost

Want cheaper car insurance rates for your Nissan Altima? I can’t think of a single person who likes having to buy car insurance, especially knowing the price is too high.

Companies like GEICO and Progressive continually hit you with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

The best way to compare insurance rates in your area is to realize most larger insurance companies actually pay money for the chance to give free rates quotes. All consumers are required to do is provide information such as if the car is leased, your job, if a SR-22 is required, and the year, make and model of vehicles. Your information is then submitted to multiple companies and they return quotes instantly.

Factors influencing Nissan Altima insurance rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

Listed below are some of the factors that factor into prices.

  • Consolidate policies to earn discounts – Most auto insurance companies provide better rates to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, you may still want to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by splitting coverages up.
  • Pay less if you’re married – Having a spouse actually saves money on auto insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
  • Too many auto insurance claims drive up costs – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Car insurance companies award lower rates to people who file claims infrequently. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Nissan Altima is rated at least four stars on Safercar.gov it may be receiving lower rates.

Verify you’re getting all your discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be requested specifically before being credited.

  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Save over 55 – Older drivers may qualify for a discount up to 10% for Altima insurance.

It’s important to note that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

Companies that possibly offer these benefits are:

Check with each insurance company which discounts they offer. All car insurance discounts might not apply in your area.

When should I talk to an agent?

When buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • Does insurance cover tools stolen from my truck?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does car insurance cover theft of personal property?
  • Should I drop comprehensive coverage on older vehicles?
  • What is medical payments coverage?
  • What happens if I owe more than my 2015 Nissan Altima is worth?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Coverage for collisions

Collision insurance covers damage to your Altima from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability coverage

This will cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as structural damage, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a deer, hail damage and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for surgery, chiropractic care, funeral costs, nursing services and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Nissan Altima.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Quote often and quote early

When buying insurance coverage, never buy less coverage just to save a little money. In many cases, consumers will sacrifice collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Low-cost 2015 Nissan Altima insurance is available from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. 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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