Cheaper 2006 Nissan Altima Insurance Quotes

Purchasing the lowest cost insurance coverage over the internet can be intimidating for people who are new to buying insurance on the web. With so many choices of insurers available, how can drivers have a chance to compare them all to find the best price?

How to Compare Insurance Coverage Rates

Effectively comparing insurance coverage prices can be a lot of work if you don’t know the fastest way to get free quotes. You could waste time talking to insurance agencies in your area, or you could use online quoting for quick rates.

Most of the larger companies enroll in a system where insurance shoppers submit their information once, and every company can provide price quotes for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of form is buyers cannot specifically choose the insurers you want to price. If you would rather choose specific insurance companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure to compare the exact same coverage limits on every quote. If you compare differing limits then you won’t be able to make an equal comparison. Slightly different coverage limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes helps locate the best price.

Take advantage of discounts

Car insurance companies do not list all their discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan can qualify you for discounted rates on garaged vehicles.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Insurance companies that may have these money-saving discounts are:

Double check with every prospective company what discounts are available to you. Discounts might not apply in your area.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • How do I buy GAP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Is my custom paint covered by insurance?
  • What can I do if my company won’t pay a claim?
  • Is my nanny covered when driving my vehicle?
  • Where can I find high-risk insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Factors that can influence insurance rates for a Nissan Altima

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for insurance coverage. Understanding what determines base rates allows you to make educated decisions that can help you get big savings.

  • Your job and insurance rates – Occupations such as real estate brokers, business owners and stock brokers tend to pay the highest rates attributed to high stress levels and long work days. On the other hand, occupations like scientists, students and retirees have the lowest average rates on Altima insurance.
  • Do you know you’re credit rating? – Credit history is a big factor in determining what you pay for insurance coverage. So if your credit rating is not that good, you could be paying less to insure your 2006 Nissan Altima by improving your credit score. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit scores.
  • Do you qualify for a multi-policy discount? – Some insurance coverage companies give discounts to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find better rates by buying insurance coverage from a different company.
  • Lower rates with optional equipment – Driving a car with an alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. The safest vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If the Nissan Altima scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Where you live is a factor – Residing in a rural area can save you money when talking about insurance coverage. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.
  • Marriage pays dividends – Having a wife or husband actually saves money on your insurance coverage policy. Having a spouse usually means you are more mature than a single person and statistics show being married results in fewer claims.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. They both tend to get into accidents in similar numbers, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive insurance coverage rates.

Misconceptions in car insurance advertisements

Car insurance companies such as Progressive, Allstate and Geico consistently run ads in print and on television. They all seem to make the same claim about savings if you change your coverage to them. How can each company say the same thing?

All the different companies have a preferred profile for the type of driver that makes them money. An example of a desirable insured might be over the age of 40, has no driving citations, and has excellent credit. Any driver who meets those qualifications will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t meet the “perfect” profile will be charged higher prices which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save money. That’s why insurance companies can confidently claim big savings. That is why drivers should get quotes from several different companies. It’s just too difficult to predict which company will provide you with the cheapest Nissan Altima insurance rates.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance – This can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, medical services and medical expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, a broken windshield, falling objects and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, surgery, X-ray expenses, doctor visits and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Nissan Altima.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, never reduce needed coverages to save money. In too many instances, someone dropped collision coverage to discover at claim time that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

In this article, we covered a lot of techniques to lower your 2006 Nissan Altima insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from a small mutual company.

Drivers leave their current company for any number of reasons including lack of trust in their agent, delays in responding to claim requests, denial of a claim and questionable increases in premium. Whatever your reason, finding the right insurance coverage provider is easier than you think.

Even more information is located at these sites: