Cheapest 2002 Nissan Altima Insurance Rates in 2023

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find the cheapest insurance rates for your Nissan Altima? Searching for the cheapest insurance for a new or used Nissan Altima can turn out to be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to price shop coverage for a Nissan and locate the best price possible.

Buying car insurance is not that difficult. If you have a policy now or need new coverage, you can use these techniques to cut your premiums while maintaining coverages. Drivers only need an understanding of the most efficient way to compare prices online.

Do you qualify for discounts?

Car insurance companies do not list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Club Memberships – Participating in a professional or civic organization could qualify you for a break on auto insurance on Altima insurance.
  • Save over 55 – Older drivers can possibly qualify for a small decrease in premiums on Altima insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:

  • Mercury Insurance
  • Farmers Insurance
  • Farm Bureau
  • State Farm
  • Allstate

Double check with every prospective company which discounts they offer. Discounts might not apply in your state.

Compare the Market for Car Insurance

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking to insurance companies in your area, or you could use the web to get the quickest rates.

Many popular insurance companies participate in an industry program where prospective buyers submit one quote, and each participating company then returns a price quote based on that data. This system prevents you from having to do quote requests for each company.

To use this form to compare 2002 Nissan Altima insurance rates click here (opens in new window).

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which providers you want to price. If you wish to select from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages and limits on every quote you get. If the quotes have mixed coverages you can’t possibly determine which rate is truly the best.

Don’t assume everyone needs the same coverage

When it comes to buying coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Is my state a no-fault state?
  • Do I have coverage for damage caused while driving under the influence?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much liability do I need to cover my assets?
  • When should I remove comp and collision on my 2002 Nissan Altima?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, doctor visits, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property. It protects you against claims from other people. Liability 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 a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, structural damage, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Altima.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision coverage covers damage to your Altima resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

In conclusion

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, denial of a claim, delays in paying claims or unfair underwriting practices. Whatever your reason, finding a great new company can be easier than you think.

We just presented many ways to lower your 2002 Nissan Altima insurance rates. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced car insurance comes from a lesser-known regional company.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price while still protecting your assets.

For more information, feel free to visit the resources below:

  • Determing Auto Insurance Rates (GEICO)
  • Think You’re a Safe Driver? (State Farm)
  • What is Full Coverage? (Allstate)
  • Auto Insurance Learning Center (State Farm)
  • Medical Payments Coverage (Liberty Mutual)

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance rates for my 2002 Nissan Altima?

To find the cheapest insurance rates for your 2002 Nissan Altima, you can follow these tips:

  • Compare quotes from different insurance companies.
  • Look for discounts that you may qualify for.
  • Consider raising your deductibles.
  • Maintain a good driving record.
  • Bundle your auto insurance with other policies, if possible.
  • Keep a good credit score.

What discounts might be available for auto insurance?

Car insurance companies offer various discounts that can help lower your premiums. While not all discounts may apply to every policy, some common ones include:

  • Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and home insurance, you may be eligible for a discount.
  • Good driver discount: This discount is typically offered to drivers who have a clean driving record with no accidents or violations.
  • Good student discount: Students who maintain good grades may qualify for a discount.
  • Safety feature discounts: If your vehicle has safety features like anti-lock brakes, airbags, or an anti-theft system, you may be eligible for discounts.

It’s important to check with each insurance company to determine which discounts they offer and if you qualify for them.

How can I compare car insurance quotes?

Comparing car insurance quotes can be done efficiently using online tools or by contacting insurance companies directly. Here’s how you can compare quotes:

  • Use a rate comparison tool: Some websites offer tools that allow you to submit your information once and receive quotes from multiple insurance companies.
  • Contact insurance companies individually: You can reach out to different insurance companies and request quotes based on your specific needs and circumstances.
  • Ensure you’re comparing apples-to-apples: When comparing quotes, make sure the coverage limits and deductibles are consistent across all quotes. This will help you determine which rate is truly the best.

What coverages do I need for my car insurance policy?

The specific coverages you need for your car insurance policy depend on various factors, such as your state’s requirements, your vehicle’s value, and your personal circumstances. However, some common coverages include:

  • Liability car insurance: This coverage protects you against claims from other people for injuries or property damage caused by you or your vehicle.
  • Comprehensive coverage: This coverage pays for damage to your vehicle from events other than collisions, such as theft, vandalism, or weather-related incidents.
  • Collision coverage: This coverage pays for damage to your vehicle resulting from a collision with another vehicle or object.
  • Medical payments coverage and Personal Injury Protection (PIP): These coverages help pay for medical expenses resulting from an accident, regardless of who is at fault.

It’s recommended to consult with a licensed insurance agent to determine the right coverages and limits for your specific needs.

How can I find an insurance agent in my area?

To find an insurance agent in your area, you can fill out a quick form on insurance websites or use online directories that list licensed agents. These resources can help you connect with agents who can provide personalized assistance and guidance in choosing the right insurance coverage for your needs.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles