Cheaper 2021 Nissan Altima Insurance Quotes 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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Want the cheapest insurance rates for your Nissan Altima? Are you burned out from wondering where the money will come from to pay insurance each month? Your situation is no different than many other consumers. With drivers having so many companies to choose from, it can be hard to locate the lowest cost insurance company.

You need to compare prices before your next renewal since prices change quite often. Just because you found the best rates for Altima coverage a few years ago you may be paying too much now. There is a lot of wrong information about insurance online, but in just a couple of minutes you can learn some excellent ideas to lower your insurance rates.

Finding affordable coverage is quite easy. If you have insurance now or need a new policy, you can use these techniques to cut your premiums while maintaining coverages. Drivers only need to know the most efficient way to find the lowest price online.

Compare auto insurance quotes online

Getting a cheap price on 2021 Nissan Altima insurance is an easy way to save money. You just need to take a few minutes to compare rate quotes online with multiple companies. This is very easy and can be done by using one of the methods below.

  1. Experts agree that the best way to get quotes for comparison would be an industry-wide quote request form. This type of form saves time by eliminating repetitive form submissions for every company. One simple form will get you rate comparisons from auto insurance companies with the best prices.
  2. A less efficient way to analyze rates requires visiting each company’s website and repeat the quote process. For example, we’ll assume you want to see prices from USAA, Allstate and Farmers. In order to get each rate, you would have to navigate to each company’s site to enter your coverage information, and that explains why we recommend the first method.

Compare rates however you want, just make sure you are using exactly the same coverage information for each quote you get. If you are comparing different liability limits you can’t possibly truly determine the lowest rate.

Are you qualifying for every discount?

Companies do not list every possible discount in a way that’s easy to find, so below is a list both the well known as well as the least known credits available to you.

  • Switch and Save Discount – Some companies give discounts for renewing your policy before your current policy expires. The savings is around 10%.
  • Multi-car Discount – Purchasing coverage when you have multiple vehicles on a single policy can reduce the rates for all insured vehicles.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will qualify for a discount on a car insurance quote.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company you could save at least 10% off all policies.
  • Full Payment Discount – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
  • Home Ownership Discount – Owning a home can save you money since home ownership demonstrates responsibility.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts when compared with drivers with a long claim history.
  • Student Discounts – Being a good student can earn a discount of 20% or more. The good student discount can last until age 25.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only reduce individual premiums such as comprehensive or collision. So even though you would think you could get a free insurance policy, companies don’t profit that way.

Popular insurance companies and some of the discounts can be read below.

  • State Farm has savings for good student, defensive driving training, multiple autos, Drive Safe & Save, multiple policy, and accident-free.
  • GEICO discounts include federal employee, anti-lock brakes, multi-policy, anti-theft, daytime running lights, and multi-vehicle.
  • Liberty Mutual may offer discounts for multi-car, teen driver discount, new graduate, preferred payment discount, new move discount, new vehicle discount, and exclusive group savings.
  • The Hartford may have discounts that include driver training, vehicle fuel type, air bag, good student, bundle, defensive driver, and anti-theft.
  • MetLife includes discounts for good driver, multi-policy, claim-free, accident-free, defensive driver, good student
  • Progressive may include discounts for multi-policy, homeowner, continuous coverage, good student, online quote discount, online signing, and multi-vehicle.

If you want affordable car insurance quotes, ask each company or agent which credits you are entitled to. Savings may not be offered in your area.

When in doubt talk to an agent

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can help discover if your insurance needs will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Does my 2021 Nissan Altima qualify for pleasure use?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Understanding the coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, colliding with a tree, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Altima.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for things like pain medications, prosthetic devices and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, falling objects, hitting a bird and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as attorney fees, loss of income, medical services, legal defense fees and emergency aid. How much coverage you buy is your choice, but consider buying as large an amount as possible.

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