Cheap 1998 Nissan Altima Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you many consumers feel financially strained by their auto insurance policy. Due to the large number of insurance companies to choose from, it can be hard to choose the most cost effective insurance company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current insurance policy or are shopping for new coverage, you can use this information to cut your premiums while maintaining coverages. Consumers just need to know how to buy insurance online.

Shop insurance coverage online

Many insurance companies make it easy to get prices directly from their websites. Getting online rates is pretty easy as you just type in the amount of coverage you want as detailed in the form. Behind the scenes, their rating system makes automated requests for your driving record and credit report and generates pricing information based on many factors. Being able to quote online makes comparing rates easy, but the process of having to visit different websites and type in the same data gets old quite quickly. But it’s also necessary to compare as many rates as possible if you want to get a better rate.

Quote rates the easy way

A better way to get multiple rate quotes uses one form to get prices from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes price shopping online much easier to do. As soon as you send your information, it gets priced and you can select any or none of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase coverage. This process just takes a couple of minutes and could lower your rates considerably.

If you want to find out how much you’re overpaying now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you input the limits and deductibles identical to your current policy. This guarantees you will get comparison quotes for similar insurance coverage.

Pay discount rates these rate-reducing discounts

Insurance is neither fun to buy or cheap, but you might be missing out on some discounts that can help lower your rates. Many discounts should be triggered at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply.

• Good Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on Altima coverage than less cautious drivers.
• ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Military Rewards – Being deployed with a military unit could mean lower premium rates.
• Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of 25 to 30%.
• Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
• Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Save with More Vehicles Insured – Buying insurance for multiple cars with the same company qualifies for this discount.
• Bundled Policy Discount – If you combine your homeowners and auto policies with the same company you may save as much as 10 to 15 percent.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
• No Accidents – Drivers who stay claim-free get the best insurance rates as opposed to drivers with a long claim history.

Consumers should know that some credits don’t apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies that have many of the previously listed discounts are:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

When getting a coverage quote, ask each company which discounts they offer. Some credits may not be available in your state. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click this link.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

• How can I find cheaper teen driver insurance?
• How much underlying liability do I need for an umbrella policy?
• What if I owe more than I can insure my car for?
• Does my liability insurance cover pulling a trailer or camper?
• Do I have coverage for damage caused while driving under the influence?
• Do I need an umbrella policy?
• Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like dental work, pain medications, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, medical services and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, theft, vandalism, fire damage and falling objects. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.