Cheapest 2002 Nissan Altima Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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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
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.
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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 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.
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)
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