2011 Nissan Altima Insurance Quotes

Trying to find cheaper auto insurance rates for your Nissan Altima? Using the web to shop for auto insurance can seem like an uphill battle if you’ve never compared online quotes. But don’t be discouraged because it’s actually quite easy.

You should take the time to compare rates before your policy renews since insurance rates fluctuate regularly. If you had the lowest price for Altima coverage a year ago you will most likely find a better rate today. Starting now, forget all the misinformation about auto insurance because it’s time to teach you how to use the internet to find better rates and still maintain coverage.

Policy discounts you shouldn’t miss

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. A few discounts will automatically apply at the time you complete a quote, but some must be inquired about prior to receiving the credit.

  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Altima coverage with select insurance companies.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Accident Free – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates for Altima coverage.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

Insurance companies who might offer some of the above discounts are:

Check with each company what discounts are available to you. All car insurance discounts might not be offered in your state.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions might help in determining whether you might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Does insurance cover tools stolen from my truck?
  • When should I not file a claim?
  • Is business property covered if stolen from my car?
  • How high should deductibles be on a 2011 Nissan Altima?
  • Do I have coverage when using my vehicle for my home business?
  • I have a DUI can I still get coverage?
  • Am I covered if I crash into my own garage door?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Is there deception in advertising?

Progressive, Allstate and Geico continually stream ads in print and on television. All the companies make an identical promise that you’ll save big after switching to them. But how can every company make the same claim? This is how they do it.

All the different companies can use profiling for the right customer that earns them a profit. A good example of a desirable insured could possibly be a mature driver, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when switching.

Potential insureds who don’t meet this ideal profile will be quoted more money and this can result in business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s why companies can claim big savings.

This emphasizes why you need to get a wide range of price quotes. It’s not possible to predict which company will have the lowest Nissan Altima insurance rates.

Insurance coverage options for a 2011 Nissan Altima

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

This coverage protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, funeral expenses and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Altima from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like dental work, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, hitting a bird and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

One last thing about your coverage

Drivers change insurance companies for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, denial of a claim or unfair underwriting practices. Whatever your reason, finding the right insurance coverage provider can be pretty painless.

The cheapest 2011 Nissan Altima insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

Much more information about insurance coverage can be found at these links: