Compare 2014 Nissan Altima Insurance Rates
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UPDATED: Aug 23, 2022
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Buying the lowest cost auto insurance on the web is problematic for consumers new to comparing rates online. With so many companies in the marketplace, how can anyone possibly compare every company to locate the best pricing?
Save money by taking advantage of these discounts
Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known discounts you could be receiving.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
- Low Mileage Discounts – Low mileage vehicles can earn discounted rates on garaged vehicles.
- College Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Safety Course Discount – Completing a course in driver safety can save you 5% or more depending on where you live.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.
For a list of insurers with discount auto insurance rates, click here.
Nissan Altima rates are complex
Smart consumers have a good feel for some of the elements that play a part in calculating your insurance rates. Understanding what determines base rates allows you to make educated decisions that may reward you with big savings.
- Lower miles equals lower premium – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Autos that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Altima may be wasting your money.
- Do you need the policy add-ons? – There are quite a few additional coverages that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and motor club memberships are examples of these. They may seem like a good idea at first, but if you don’t need them get rid of them and save.
- Adjust deductibles and save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Nissan from damage. Examples of covered claims are a windshield shattered by a rock, damage from fire, and windstorm damage. Your deductibles are the amount of money you are willing to pay if you file a covered claim. The more money you’re willing to pay, the less your insurance will be on Altima coverage.
- Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations like lawyers, executives and stock brokers tend to have the highest rates because of high stress levels and lengthy work days. On the other hand, occupations like scientists, students and performers receive lower rates on Altima coverage.
- Where you live can impact rates – Residing in a rural area has it’s advantages when talking about insurance. Drivers in populated areas have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident.
- Do you have enough liability coverage? – The liability section of your policy provides coverage when a jury decides you are liable for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
- You might want pay the small claims yourself – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies give discounts to policyholders who do not file claims often. Your insurance policy is intended for the large, substantial claims.
- One company can mean more discounts – Most insurance companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
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When should I use an insurance agent?
When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For example, these questions might point out if your situation would benefit from an agent’s advice.
- Why am I required to buy high-risk coverage?
- Will filing a claim cost me more?
- What if I total my 2014 Nissan Altima and owe more than it’s worth?
- Am I getting all the discounts available?
- Can I afford low physical damage deductibles?
- Do I need added coverage for expensive stereo equipment?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.
Coverages available on your policy
Knowing the specifics of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as EMT expenses, X-ray expenses, funeral costs, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like falling objects, damage from getting keyed, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim 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.
This coverage protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.
Liability insurance covers things such as funeral expenses, structural damage, repair bills for other people’s vehicles, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Altima.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Collision coverage protection
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like hitting a parking meter, backing into a parked car, damaging your car on a curb, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.
Be Smart and Buy Smart
Budget-conscious 2014 Nissan Altima insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.
We just covered some good ideas how to reduce insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the best price on insurance is with an unexpected company.
Consumers change insurance companies for many reasons like unfair underwriting practices, not issuing a premium refund, high prices and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new insurance company is pretty easy and you might even save some money in the process.
- Neck Injury FAQ (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Understanding your Policy (NAIC.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Insuring a Leased Car (Insurance Information Insitute)
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