2022 Nissan Altima Car Insurance Quotes in 2024 – 9 Tips for Cheaper Rates

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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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Trying to find cheaper insurance rates for your Nissan Altima? Nobody I know looks forward to buying insurance, especially when the prices are way too high. Lots of auto insurance companies contend for your insurance dollar, so it’s not easy to compare every company to find the best rates possible.

You need to do price comparisons before your next renewal because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for Altima insurance a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re going to get a crash course in the only way to save on insurance.

Insurance rates and discounts

Insurance is neither fun to buy or cheap, but there may be some discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be asked for before you get the savings.

  • Clubs and Organizations – Affiliation with a civic or occupational organization is a simple method to lower premiums when getting a insurance coverage quote.
  • Discounts for Multiple Vehicles – Insuring multiple cars with the same insurance company can reduce the rates for all insured vehicles.
  • No Claim Discounts – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Student in College – Older children who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
  • Braking Control Discount – Cars with ABS and/or traction control can reduce accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Discount for Low Mileage – Low annual miles may enable drivers to earn better premium rates on cars that stay parked.
  • Life Insurance Discount – Select insurance companies reward you with a small discount if you purchase life insurance from them.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts should help reduce the cost of your policy.

The best insurance companies and a selection of discounts can be read below.

  • State Farm includes discounts for multiple policy, student away at school, good driver, anti-theft, good student, accident-free, and driver’s education.
  • GEICO may have discounts that include membership and employees, multi-policy, daytime running lights, air bags, and driver training.
  • Allstate offers discounts for senior citizen, anti-theft, FullPay discount, anti-lock brakes, resident student, and utility vehicle.
  • SAFECO may include discounts for teen safety rewards, bundle discounts, multi-car, anti-theft, accident prevention training, and safe driver.
  • Farm Bureau has savings for safe driver, multi-policy, youthful driver, 55 and retired, and renewal discount.
  • Progressive offers discounts including multi-vehicle, good student, continuous coverage, online quote discount, homeowner, and online signing.
  • AAA discounts include multi-car, good student, good driver, pay-in-full, and anti-theft.

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not be available to policyholders in your area. To choose insurers who offer free insurance quotes, enter your zip code here.

Do you really save 40% when you switch?

Consumers can’t escape the ads that claim the cheapest prices by State Farm, Allstate and GEICO. All the companies make the point about savings if you move your insurance coverage coverage to their company.

How does every insurance coverage company give you a lower rate? It’s all in the words they use.

Many companies provide the lowest rates for the type of insured that will be a good risk. For instance, a profitable risk profile might have to be over age 30, has few claims, and drives a lower-performance vehicle. Any driver that fits those parameters receive the lowest rate quotes and will most likely save if they switch.

Insureds who do not match these stringent criteria may receive a more expensive rate which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully make claims like that.

Because of the profiling, you really need to get price quotes at each policy renewal. It is just not possible to predict which insurance companies will fit your personal profile best.

Situations that may require an agent’s advice

When buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions could help you determine whether your personal situation might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What if I don’t agree with a claim settlement offer?
  • What is UM/UIM insurance?
  • Do I need replacement cost coverage on my 2022 Nissan Altima?
  • Is a fancy paint job covered?
  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverage details

Having a good grasp of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from auto insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Altima caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverages

This will cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as bail bonds, attorney fees and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2022 Nissan Altima.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, a broken windshield, theft and hitting a bird. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like nursing services, dental work, X-ray expenses, pain medications and funeral costs. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Have money to burn

A few companies do not offer rate quotes online and these smaller companies only sell through independent insurance agents. Cheaper car insurance can be bought on the web and from local agencies, and you need to price shop both in order to have the best price selection to choose from.

Throughout this article, we presented some good ideas how to lower your 2022 Nissan Altima insurance premium rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

When getting insurance coverage quotes online, never buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

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