Cheap 2020 Nissan Altima Insurance Cost in 2024

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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 7, 2024

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Searching for better car insurance rates for your Nissan Altima? Locating better insurance prices for your Nissan Altima could be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to compare car insurance rates so you’re going to learn the proper way to get price quotes on a Nissan and find the best price possible either online or from local insurance agents.

Affordable auto insurance

All the larger auto insurance companies provide pricing online. Comparing prices online is quite easy as you just enter into a form. Behind the scenes, the system obtains reports for credit and driving violations and generates a price.

This makes it simple to compare prices but the time it takes to visit several different sites and type in the same information can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you are searching for the best price on auto insurance.

There is a better way to compare rates

The easiest way to lower your rates uses one simple form that analyzes rates from a lot of companies. The form is fast, requires less work, and makes online price comparison much easier to do. Immediately after you send the form, it is quoted and you can select any of the returned quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes 15 minutes at the most and can result in significant savings.

If you want to use this form to compare rates, simply enter your zip code here and begin entering your coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits exactly as shown on your declarations page. Doing this assures you will be getting a rate comparison based on identical coverages.

Does insurance coverage advertising bend the truth?

Consumers can’t escape the ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. All the ads have a common claim that you’ll save big if you change your policy.

How do they all charge you a lower premium? This is the trick they use.

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a preferred risk might be described as between 30 and 50, is a homeowner, and chooses high deductibles. A customer that hits that “sweet spot” will probably get the lowest rates and as a result will probably save if they switch.

Drivers who don’t qualify for these standards may be required to pay higher premiums and the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “everyone who quotes” save the amount stated. This is how insurance companies can confidently make the claims of big savings.

That is why you really need to quote coverage with many companies. It is impossible to predict which insurance coverage company will have the best rates at this point in time.

Drivers can save with these discounts

Some providers don’t always list every discount available very clearly, so the following list contains both the well known as well as the least known credits available to lower your premiums when you buy insurance online.

  • Accident Free – Drivers who stay claim-free can earn big discounts when compared to policyholders that have many claims.
  • Bundled Policy Discount – If you can combine your auto and home policy with the same insurance company you could earn a discount of up to 20% and get you inexpensive insurance.
  • Paperless Signup – A few insurance companies give back up to $50 for signing up on your computer.
  • Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Discounts for Federal Employees – Active or former government employment can save as much as 8% for Altima insurance with some car insurance companies.
  • Anti-lock Brakes – Cars equipped with ABS or steering control are safer to drive and earn discounts up to 10%.

As is typical with insurance, most of the big mark downs will not be given to the whole policy. Most only cut individual premiums such as comprehensive or collision. Even though it appears all the discounts add up to a free policy, companies don’t profit that way. But any discount will definitely lower the cost of coverage.

Companies and some of the premium reductions they offer are included below.

  • State Farm offers premium reductions for passive restraint, student away at school, multiple policy, defensive driving training, Steer Clear safe driver discount, driver’s education, and good student.
  • GEICO may have discounts that include air bags, driver training, multi-vehicle, defensive driver, good student, emergency military deployment, and military active duty.
  • Allstate offers discounts for early signing, premier plus, safe driver, premier discount, 55 and retired, and anti-theft.
  • SAFECO may offer discounts for safe driver, anti-lock brakes, teen safe driver, homeowner, teen safety rewards, and multi-car.
  • Farm Bureau has savings for 55 and retired, safe driver, good student, driver training, youthful driver, and multi-vehicle.
  • Progressive offers discounts including online signing, good student, continuous coverage, online quote discount, multi-vehicle, multi-policy, and homeowner.
  • AAA discounts include AAA membership discount, multi-car, multi-policy, good student, and anti-theft.

Double check with every insurance company which discounts can lower your rates. A few discounts may not apply to policyholders in every state.

Special considerations

When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I have a commercial auto policy?
  • Do I need replacement cost coverage on my 2020 Nissan Altima?
  • Which companies will insure high-risk drivers?
  • Do I have coverage when using my vehicle for my home business?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2020 Nissan Altima.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

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

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for short-term medical expenses for things like doctor visits, dental work and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision – This coverage pays for damage to your Altima resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, driving through your garage door, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability – This will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Affordable insurance is out there

Cheaper 2020 Nissan Altima insurance can be bought online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get quotes online and these regional carriers work with independent agents.

Consumers who switch companies do it for any number of reasons including unfair underwriting practices, policy cancellation, not issuing a premium refund or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new auto insurance company is actually quite simple.

We covered a lot of ways to save on 2020 Nissan Altima insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the most savings is with a smaller regional carrier.

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