LTI Altima Insurance Rates

Insurance for vehicles can be expensive, but why is Nissan Altima insurance so high? Nissan Altima car insurance costs an average of $1,446 a year, or $120 a month. Read on to learn more about Altima car insurance rates and what you can do to save.

As this guide will show, Nissan Altima auto insurance rates will vary based on a number of factors. 2005 Nissan Altima insurance rates will likely be lower than 2010 Nissan Altima insurance costs or 2018 Nissan Altima insurance cost.

Maybe you are wondering if a Nissan Altima is considered a sports car. The answer is maybe. Insurance for a Nissan Altima 3.5SR will likely be more expensive than a standard model. That’s because the 3.5SR has a sports-tuned suspension and V6 engine which will probably put it in the sports car category.

Before you buy Nissan Altima car insurance, compare quotes from multiple Nissan Altima car insurance companies online.

To jump right into finding the best Nissan Altima auto insurance rates in your area, enter your ZIP code in our free tool above.

You have many choices when attempting to insure your LTI Altima. You can buy direct from an insurance agent or shop online to compare rates from multiple companies. Shopping for car insurance online is easy, in addition you may find lower rates.

Consumers not familiar with comparing rates may think purchasing cheap LTI Altima insurance is very challenging. The are a couple different ways to compare rate quotes from car insurance companies in your area. The fastest way to compare LTI Altima insurance quotes consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine LTI Altima insurance cost

Insurance premiums for a LTI Altima can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your Altima
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new Altima models so repair costs tend to be lower which will push premiums down. But new Altima models have more advanced features including lane departure warning system, traction control, and autonomous braking which can lower rates.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. LTI Altima collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance 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. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not universally available and gives slightly broader coverage than med pay.

Shopping for car insurance rates early can save drivers almost $200. Use our free tool below to find affordable Nissan Altima car insurance quotes near you.

What are the safety ratings of the Nissan Altima?

Good safety ratings can help lower your insurance rates. The Nissan Altima has some great safety features, such as brake assist, traction control, blind-spot monitoring, and lane-departure warnings.

The Nissan Altima’s safety ratings from the Insurance Institute for Highway Safety (IIHS) are also excellent. Take a look at them below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Good is the highest possible rating. Watch the video below to see how the IIHS tests vehicles.

Nissan Altima Compared Against Other Vehicles in the Same Class

The Nissan Altima is a midsize car. Unfortunately, the IIHS labeled the Nissan Altima’s property damage liability losses and bodily injury liability losses as average and substantially worse than average (respectively). While an average rating isn’t terrible, a substantially worse than average rating means higher liability rates.

Take a look at the list of other midsize vehicles below to see how the Nissan Altima’s insurance rates compare.

• Chevrolet Malibu Insurance Rates
• Ford Fusion Insurance Rates
• Honda Accord Insurance Rates

To find the best Nissan Altima insurance rates in your area, enter your ZIP code in our free tool.

References:

1. https://www.iihs.org/ratings/vehicle/nissan/altima-4-door-sedan/2020