Cheapest 2007 Nissan Altima Hybrid Insurance Rates in 2023
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UPDATED: May 12, 2022
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Shoppers have a choice when shopping for the lowest priced Nissan Altima Hybrid insurance. You can either waste hours driving around to get rate comparisons or use the internet to get rate quotes.
There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to get price quotes for a Nissan and find the cheapest rates from local insurance agents and online providers.
If you have a current insurance policy or are just looking to switch companies, you can follow these tips to find the best rates while maintaining coverages. The purpose of this article is to help you learn how to effectively get price quotes and some money-saving tips. Drivers only need to know the best way to shop for insurance on the web.
Don’t miss out on these money-saving discounts
Insuring your vehicles can cost a lot, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Bundle and Save – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
- Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break when buying auto insurance for Altima Hybrid coverage.
- No Charge for an Accident – A few companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
- Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
- Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
It’s important to understand that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.
To see a list of insurers offering auto insurance discounts, click here to view.
Why your Nissan Altima Hybrid insurance rates may be high
Smart consumers have a good feel for some of the elements that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively influences your rates enables informed choices that can help you get big savings.
The list below includes some of the factors insurance coverage companies consider when setting your rates.
- Rate your vehicle for proper use – Driving more miles every year the more you will pay for insurance coverage. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting get more affordable rates than those used for commuting. An improperly rated Altima Hybrid may be wasting your money. Ask your agent if your insurance coverage coverage properly reflects the proper vehicle usage.
- Multiple policies with one company can save – Most insurance companies provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, you still need to shop around to make sure you are getting the best deal. You may still be able to find better rates by buying insurance coverage from a different company.
- Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. Safer cars protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates. If your Nissan Altima Hybrid has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- A lapse in coverage is a bad thing – Driving your car without having proper coverage is against the law and insurance coverage companies will penalize you for letting your coverage lapse. Not only will rates go up, but being ticketed for driving with no insurance can result in a revoked license or a big fine.
- Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
- How’s your driving record? – A bad driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single ticket can increase rates forty percent or more. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
- Extra add-on coverages are wasting money – There are a lot of add-on coverages that you can get tricked into buying on your insurance coverage policy. Coverages for vanishing deductibles, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
Do I need special coverages?
When choosing adequate coverage, there really is no single plan that fits everyone. Every situation is different.
Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.
- Why does it cost so much to insure a teen driver?
- Are my friends covered when driving my 2007 Nissan Altima Hybrid?
- Does medical payments coverage apply to all occupants?
- Do I have coverage for damage caused while driving under the influence?
- What is covered by UM/UIM coverage?
- Can I rent a car in Mexico?
- When should I remove comp and collision on my 2007 Nissan Altima Hybrid?
- Is my teenager covered with friends in the car?
- Why am I be forced to buy a membership to get insurance from some companies?
- Is business equipment covered while in my vehicle?
If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.
Beware of misleading car insurance ads
Consumers constantly see and hear ads for car insurance savings from companies such as GEICO, State Farm and Progressive. All the ads make an identical promise that you’ll save big after switching your policy.
How can each company make the same claim?
Different companies have a certain “appetite” for the type of driver that makes them money. For example, a driver they prefer might be between the ages of 40 and 55, a clean driving record, and chooses high deductibles. A propective insured that hits that “sweet spot” will get very good rates and is almost guaranteed to save when switching.
Potential customers who are not a match for this ideal profile will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that much. This is how insurance companies can make the claims of big savings.
That is why you need to quote coverage with many companies. It is impossible to predict which insurance companies will have the lowest Nissan Altima Hybrid insurance rates.
Car insurance 101
Knowing the specifics of auto insurance aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.
Comprehensive coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hail damage, hitting a bird, falling objects and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for liability – This can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people, and does not provide coverage for 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. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as medical services, legal defense fees, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.
Collision coverage – This will pay to fix damage to your Altima Hybrid resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as crashing into a ditch, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Altima Hybrid.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, surgery and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to 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
Do the work, save more money
Consumers switch companies for many reasons like delays in paying claims, questionable increases in premium, denial of a claim and even lack of trust in their agent. Regardless of your reason for switching companies, choosing a new company can be easier than you think.
Affordable 2007 Nissan Altima Hybrid insurance can be bought from both online companies in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, someone dropped full coverage only to regret they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at an affordable rate, not the least amount of coverage.
Even more information can be read by following these links:
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- What is Full Coverage? (Allstate)
- Understanding Car Crashes Video (iihs.org)
- Safety Belts FAQ (iihs.org)
- Five Mistakes to Avoid (Insurance Information Insitute)
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