2013 Nissan Altima Insurance Cost

Looking for better car insurance rates? Shoppers have a choice when shopping for affordable Nissan Altima insurance. You can either waste hours calling around to get rate comparisons or use the internet to make rate comparisons.

There is a better way to compare car insurance rates and we’ll show you the proper way to get price quotes for a new or used Nissan and find the cheapest rates from local insurance agents and online providers.

You need to check car insurance prices before your policy renews due to the fact that insurance rates change frequently. Despite the fact that you may have had the lowest price for Altima coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. This article will instruct you on how to effectively get price quotes and some money-saving tips. Drivers just need to learn the most effective way to compare rates over the internet.

Auto Insurance Quote Comparison

Finding a better price on auto insurance is a fairly straight forward process. The only thing you need to do is spend a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method keeps you from doing separate forms to each individual auto insurance company. A single form compares rates direct from many companies. Just one form and you’re done.
  2. A less efficient way to compare prices is going to the website for every company you want to comare and fill out their own quote form. For instance, let’s say you want to compare Allstate, Progressive and American Family. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but make absolute certain that you use the exact same deductibles and coverage limits for every quote you compare. If you enter different liability limits you can’t possibly find the best deal for your Nissan Altima.

Don’t overlook these discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Most are applied at quote time, but less common discounts must be specifically requested before you will receive the discount. If they aren’t giving you every credit possible, you are throwing money away.

  • Bundle and Save – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Altima coverage depending on your company.
  • Paperless Signup – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for auto insurance for Altima coverage.

Keep in mind that some credits don’t apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will bring down the cost of coverage.

For a list of insurance companies who offer auto insurance discounts, click here to view.

Is my situation unique?

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my 2013 Nissan Altima is worth?
  • Do I need roadside assistance coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when driving on a suspended license?
  • Do I need more liability coverage?
  • How can I force my company to pay a claim?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Factors influencing Nissan Altima insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get big savings.

Shown below are a few of the “ingredients” that factor into your rates.

  • With age comes lower rates – Youthful drivers are known to be more careless in a vehicle so insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • An active claims history can cost you – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies provide better rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of larger claims.
  • Big city or small town – Living in a rural area has it’s advantages when it comes to insurance. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers have to deal with congested traffic and longer commute times. More time on the road means higher likelihood of an accident.
  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you when you are found to be at fault for personal injury or accident damage. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Marriage pays dividends – Having a spouse can get you a discount on your policy. It usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Your credit rating is important – A driver’s credit score is a large factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit is low, you could potentially save money when insuring your 2013 Nissan Altima by spending a little time repairing your credit.
  • Men fork out a little more – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women have accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations like reckless driving and DUI.
  • Higher deductibles cost less – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. Some instances where coverage would apply would be collision with another vehicle, collision with an animal, or theft. The deductibles are how much you are required to spend if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance for Altima coverage.

Insurance coverages and their meanings

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage – Med pay and PIP coverage pay for expenses for things like EMT expenses, pain medications and X-ray expenses. 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 both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection 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 either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

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. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Collision – 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 then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – This protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as structural damage, legal defense fees, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Smart shoppers get results

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many instances, an insured cut physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We covered quite a bit of information on how to save on 2013 Nissan Altima insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies.

Consumers switch companies for many reasons like delays in paying claims, delays in responding to claim requests, not issuing a premium refund or even policy non-renewal. No matter why you want to switch, finding a new insurance company can be pretty painless.

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