When trying to find lower-priced insurance, do you get overwhelmed by the number of insurance sources that you can choose from? Vehicle owners have such a vast assortment of sources available that it can really be a ton of work to find better insurance rates for Nissan Altima insurance in Aurora. If you live there, you know that Aurora has lots to offer, but budgeting for expensive insurance makes it very hard to affordably buy enough coverage.
It’s easy to assume that auto insurance companies want to keep you from comparing rates. Insureds who shop around will most likely switch to a new company because the odds are good of finding a lower-priced policy. A recent study showed that people who compared prices regularly saved over $72 a month compared to drivers who don’t make a habit of comparing rates.
If finding the lowest rates on auto insurance in Aurora is your goal, then understanding how to shop and compare auto insurance can make it easier to find better rates.
How to compare free Aurora Nissan Altima insurance quotes
Just keep in mind that having more price comparisons will enable you to find the best price.
The car insurance companies shown below have been selected to offer price comparisons in Aurora, CO. To buy the best cheap auto insurance in Colorado, we suggest you click on several of them to get the most competitive price.
Coverage statistics and figures
The rate table shown below outlines a range of insurance rates for Nissan Altima models. Learning more about how insurance policy premiums are calculated can assist in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $130 | $244 | $338 | $20 | $100 | $832 | $69 |
| Altima 2.5 S 4-Dr Sedan | $130 | $288 | $338 | $20 | $100 | $876 | $73 |
| Altima Hybrid 4-Dr Sedan | $148 | $288 | $338 | $20 | $100 | $894 | $75 |
| Altima 2.5 S 2-Dr Coupe | $148 | $288 | $382 | $22 | $114 | $954 | $80 |
| Altima 3.5 SR 4-Dr Sedan | $148 | $288 | $338 | $20 | $100 | $894 | $75 |
| Altima 3.5 SR 2-Dr Coupe | $148 | $332 | $382 | $22 | $114 | $998 | $83 |
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific location information which can influence prices considerably.
The information below shows how different deductible levels and can impact Nissan Altima premium costs for different age groups of insureds. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Rate increases following a ticket or accident
The illustration below shows how traffic citations and at-fault fender-benders can increase Nissan Altima annual premium costs for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Choosing the best Nissan vehicle insurance in Colorado is an important decision
Despite the high cost, paying for car insurance is required by state law in Colorado and it also provides benefits you may not be aware of.
First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection if you want to drive legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a lien on your Altima, almost every bank will require you to carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Nissan for a lot more money and require you to pay for the expensive policy.
Third, car insurance preserves your Nissan and your assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of buying car insurance definitely exceed the cost, especially with large liability claims. Today the average American driver overpays as much as $865 each year so compare rate quotes at every policy renewal to help ensure money is not being wasted.
You may need specialized insurance coverage
When it comes to adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your situation is unique.
These are some specific questions can help discover whether you would benefit from professional advice.
- What is the difference between personal and commercial auto insurance policies?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my teenager covered with friends in the car?
- What is PIP insurance?
- Is my nanny covered when transporting my kids?
- If I use my vehicle for business use is it covered?
- Is my trailer covered?
- How much liability insurance is required?
- Does my Nissan Altima need full coverage?
- At what point should I drop full coverage?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.
Educate yourself about car insurance coverages
Understanding the coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane, hail damage and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Altima.
Due to the fact that many Colorado drivers only purchase the least amount of liability that is required (25/50/15 in Colorado), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Coverage for liability
This can cover damages or injuries you inflict on a person or their property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/15 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property.
Liability coverage pays for things like medical expenses, loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible. Colorado requires minimum liability limits of 25/50/15 but drivers should carry higher limits.
The next chart shows why buying the state minimum limits may not be enough.
Collision coverage protection
Collision insurance will pay to fix damage to your Altima 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 building, sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible on your Altima to get cheaper collision coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for expenses such as X-ray expenses, nursing services and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
The best rates come from being thorough
Drivers who switch companies do it for a variety of reasons including policy non-renewal, denial of a claim, questionable increases in premium or policy cancellation. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.
As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage only to discover later that it was a big error on their part. Your goal is to buy enough coverage for the lowest price.
We covered some good ideas how you can save on Nissan Altima insurance in Aurora. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates come from some of the lesser-known companies.
How to find better rates for Nissan Altima insurance in Aurora
It takes a little time, but the best way to get more affordable Nissan Altima insurance in Aurora is to start doing an annual price comparison from different companies that insure vehicles in Colorado. Price quotes can be compared by completing these steps.
- Spend some time learning about how car insurance works and the modifications you can make to prevent rate increases. Many factors that cause rate increases such as at-fault accidents, speeding tickets, and poor credit history can be improved by paying attention to minor details.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from many different companies.
- Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, make sure coverage is continuous and does not lapse.
A good piece of advice is to make sure you enter the same physical damage deductibles and liability limits on every price quote and and to analyze as many companies as feasibly possible. Doing this enables a level playing field and the most accurate and complete price analysis.
For more information, feel free to visit the articles below:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for Young Drivers in Aurora? (FAQ)
- What Car Insurance is Cheapest for Low Mileage Drivers in Aurora? (FAQ)
- What is the Cheapest Car Insurance in Aurora, Colorado? (FAQ)
- Who Has Affordable Car Insurance Rates for Teachers in Aurora? (FAQ)
- How Much is Aurora Car Insurance for Drivers with Good Credit? (FAQ)
- How Much is Car Insurance for Drivers Over Age 60 in Aurora? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)