1996 Nissan Altima Insurance Rates

Trying to find cheaper insurance rates for your Nissan Altima? Nobody cherishes buying insurance, in particular when the cost is way too high. There are many car insurance companies to buy insurance from, and although it’s nice to have multiple companies, so many choices can make it hard to locate the cheapest rates.

It’s a good habit to compare rates occasionally because rates are rarely the same from one policy term to another. Just because you had the best price for Altima coverage two years ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about insurance because I’m going to teach you the right way to find better rates and still maintain coverage.

Finding the best rates is quite easy. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Drivers only need an understanding of the proper methods to compare prices online.

Finding Insurance Deals

There are several ways to compare Nissan Altima insurance quotes, but there is one way that is less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance agencies in your area, or you could use online quotes to maximize your effort.

Most of the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and every company returns a competitive quote for coverage. This saves time by eliminating quotation requests for each company. To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to comparing rates this way is that consumers can’t choose which companies you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits on every quote you get. If the quotes have higher or lower deductibles you will not be able to find the best deal for your Nissan Altima.

Cut your premium with discounts

Companies don’t always advertise every available discount in a way that’s easy to find, so we break down both the well known and the more hidden ways to save on insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Altima coverage than less cautious drivers.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy on their website.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only cut individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies that may offer some of the above discounts include:

Check with every prospective company what discounts are available to you. All car insurance discounts may not apply in every state.

Lesser-known factors impacting Nissan Altima insurance rates

An important part of buying insurance is that you know the factors that help determine your insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are some of the items used by your company to calculate premiums.

  • Where do you drive? – The more miles you rack up on your Nissan each year the higher your rate. Almost all companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your insurance policy shows how each vehicle is driven. If your policy improperly rates your Altima may be costing you.
  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both have accidents at about the same rate, but the males cause more damage. They also have more aggressive citations like reckless driving and DUI. Young males are the most expensive to insure and thus pay the highest rates.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Your location affects your rates – Choosing to live in a rural area has it’s advantages when talking about insurance. Less people living in that area translates into fewer accidents. Drivers in populated areas have congested traffic and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to increase your insurance rates. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Claim-free discounts can add up – Auto insurance companies award better rates to drivers who are claim-free. If you frequently file small claims, you can expect higher rates. Car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

What is the best insurance coverage?

When it comes to choosing coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Do I have newly-aquired coverage?
  • Does my car insurance cover rental cars?
  • Who is covered by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Why do I need rental car insurance?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover a custom paint job?
  • Can I drive in Mexico and have coverage?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have 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 provide invaluable advice.

Slick advertising tricks that work

Consumers get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies make an identical promise of big savings if you switch to their company.

How does each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer could possibly be a mature driver, has no prior claims, and has great credit. Any new insured who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Potential customers who don’t qualify for these standards must pay higher premiums and this can result in business going elsewhere. Company advertisements say “people who switch” not “people who quote” save that much money. This is how insurance companies can claim big savings. This illustrates why you should get as many quotes as possible. You cannot predict which insurance coverage company will fit your personal profile best.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 1996 Nissan Altima.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – Collision coverage will pay to fix damage to your Altima caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability car insurance – Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of 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 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, attorney fees and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, damage from flooding, hitting a deer, damage from getting keyed and falling objects. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments – Med pay and PIP coverage pay for bills such as dental work, ambulance fees and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Quote often and quote early

Cheaper 1996 Nissan Altima insurance can be found online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

We just covered some good ideas how you can save on insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a smaller regional carrier. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find for the lowest price.

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