2013 Nissan Altima Insurance Cost – 9 Tips for Cheapest Prices

If you are new to online auto insurance, you can be baffled by the sheer number local agents and online companies selling insurance.

How much is insurance?

The are a couple different ways to compare rate quotes from many different insurance companies. The easiest way to lower the rate you pay for 2013 Nissan Altima insurance involves getting comparison quotes online. It’s really quite simple and can be done in a couple of different ways.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating repetitive form entry for each price estimate. A single, simple form gets insurance cost estimates from multiple low-cost companies. Just one form and you’re done.
2. A more time consuming way to get quotes online consists of visiting the website for every company you want to comare and repeat the quote process. For example, we’ll assume you want to compare rates from USAA, Safeco and Liberty Mutual. To get rate quotes you would need to navigate to each company’s site and enter your information, which is why first method is reommended. For a list of companies in your area, click here.

The approach you take is up to you, just make absolute certain that you use the same information for every quote you compare. If you compare different deductibles it will be very difficult to make a fair comparison for your Nissan Altima. Just slight variations in insurance coverages could mean much higher rates. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting the best price.

Cheaper car insurance rates with discounts

Car insurance companies don’t necessarily list all disounts very well, so the list below gives a summary of both well-publicized and also the more inconspicuous car insurance savings.

• Waiver for an Accident – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
• Active Military Service – Being on active deployment in the military could trigger a small discount.
• Drive Less and Save – Low annual miles may enable drivers to earn lower car insurancerates due to less chance of an accident.
• Senior Citizens – Drivers over the age of 55 can possibly qualify for a discount up to 10% on Altima insurance.
• Discounts for Responsible Drivers – Safe drivers can save up to 40% or more on their auto insurance quote on Altima insurance than drivers with accident claims.
• Driver’s Education for Students – Require your teen driver to enroll and complete driver’s education as it can save substantially.
• Switch and Save Discount – Some larger companies provide a discount for switching policies before your current coverage expires. You can save around 10% with this discount.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
• Claim-Free Discount – Claim-free drivers get the best car insurance rates as compared to bad drivers.

It’s important to note that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

A list of companies and the discounts they provide are included below.

• State Farm has savings for anti-theft, passive restraint, defensive driving training, driver’s education, and multiple policy.
• Progressive discounts include online signing, multi-vehicle, multi-policy, continuous coverage, online quote discount, and good student.
• Travelers policyholders can earn discounts including IntelliDrive, multi-car, home ownership, payment discounts, and multi-policy.
• American Family may include discounts for early bird, multi-vehicle, mySafetyValet, defensive driver, air bags, and TimeAway discount.
• Liberty Mutual offers discounts including good student, new move discount, hybrid vehicle, exclusive group savings, multi-policy, and preferred payment discount.

When comparing rates, check with each company or agent which discounts can lower your rates. Savings may not be available in your state. To choose companies that offer some of these discounts, click here to view.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether your personal situation will benefit from professional help.

• What is PIP insurance?
• Who is covered by my policy?
• Am I missing any policy discounts?
• What is no-fault insurance?
• When do I need to add a new car to my policy?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance policy coverages for a 2013 Nissan Altima

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2013 Nissan Altima.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Liability insurance

This protects you from damages or injuries you inflict on other’s property or people in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, medical services, structural damage, medical expenses and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, hail damage, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, crashing into a building, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as chiropractic care, dental work, nursing services, pain medications and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage