Compare 1991 Nissan Maxima Insurance Cost

Searching for lower car insurance rates for your Nissan Maxima? Wish you could get a refund on an expensive car insurance policy? It’s a common feeling and many consumers feel financially strained by their car insurance policy.

With vehicle owners having so many insurance providers from which to choose, it’s difficult to find the most cost effective insurer.

Consumers should take time to get comparison quotes every six months because car insurance prices change frequently. Even if you got the best deal for Maxima insurance a couple years back you can probably find a better premium rate now. You’ll find quite a bit of inaccurate information about car insurance on the internet, but we’re going to give you some great ideas on how to save money.

Compare quotes for auto insurance

When shopping for cheaper insurance quotes, there are a couple of ways of comparing price quotes from many available auto insurance companies in your state. By far the easiest way to find the lowest Nissan Maxima rates is to get quotes online. This can be accomplished in several different ways.

  1. If you’re in a hurry, the quickest way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This style of form prevents you from having to do separate forms for each price estimate. One form submission gets rate comparisons from several companies.
  2. A more difficult way to analyze rates requires a trip to the website for every company you want to comare to request a price quote. For examples sake, we’ll assume you want rates from Auto-Owners, State Farm and GMAC. In order to compare rates, you need to visit each site to enter your coverage information, which is why first method is reommended. For a list of companies in your area, click here.

It doesn’t matter which method you choose, just make sure you compare the same information on every quote. If you have mixed coverages you can’t possibly truly determine the lowest rate. Even a minor difference in insurance coverages or limits could skew the results. Just remember that more quotes increases the change that you will find the best offered rates. Some insurance companies are not set up to provide online price quotes, so it’s important to also get price estimates from them, too.

Get cheaper car insurance rates with discounts

Companies offering auto insurance don’t always publicize every discount they offer in a way that’s easy to find, so the list below details both well-publicized and also the more inconspicuous credits that you can use to lower your rates. If you are not receiving all the discounts available, you are just wasting money.

  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Telematics Devices – People who choose to allow data collection to look at driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if their driving habits are good.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems help deter theft and that can save you a little bit as well.
  • Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less for Maxima insurance than their less cautious counterparts.
  • Paperwork-free – A few insurance companies will give a small break shop insurance digitally online.
  • Low Miles Discount – Low annual miles can qualify you for better prices on cars that stay parked.
  • ABS Braking Discount – Vehicles equipped with ABS or steering control are safer to drive so companies give up to a 10% discount.
  • Good Student – Getting good grades may save as much as 25% on a insurance quote. The discount lasts up to age 25.
  • Bundle and Save – When you have multiple policies and insure them with the same company you may earn as much as 10 to 15 percent.
  • Defensive Driving Course – Successfully completing a course in defensive driver could possibly earn you a 5% discount and make you a better driver.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free car insurance policy, companies don’t profit that way.

Companies and some of their more popular discounts are shown below.

  • State Farm includes discounts for anti-theft, defensive driving training, multiple policy, multiple autos, Drive Safe & Save, safe vehicle, and student away at school.
  • Nationwide has discounts for Farm Bureau membership, accident-free, defensive driving, family plan, easy pay, and business or organization.
  • Geico may have discounts that include military active duty, five-year accident-free, membership and employees, multi-policy, good student, multi-vehicle, and daytime running lights.
  • AAA may offer discounts for multi-car, pay-in-full, good driver, AAA membership discount, good student, and anti-theft.
  • 21st Century offers discounts including 55 and older, student driver, teen driver, homeowners, anti-lock brakes, and automatic seat belts.
  • The Hartford policyholders can earn discounts including driver training, vehicle fuel type, anti-theft, bundle, defensive driver, and good student.

Before purchasing a policy, check with all the companies which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in your area.

Four factors that impact insurance rates

Many things are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are less obvious like where you live or your vehicle rating.Part of the insurance buying process is learning the rating factors that help calculate insurance rates. When consumers understand what influences your rates, this empowers consumers to make smart changes that could result in lower premium levels.

  • Your occupation may affect insurance rates – Did you know your career choice can influence rates? Jobs such as doctorsair traffic controllers and miners generally pay higher premium rates due to high stress levels and long work days. On the flip side, occupations like actors, students and retirees have the lowest average rates for Maxima insurance.
  • Lower premiums for cars with good safety ratings – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles protect occupants better and fewer injuries means lower claim amounts which can mean better rates for you. If your Nissan has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Increase comp and collision deductibles and save – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply would be colliding with a building, vandalism, and windstorm damage. Deductibles for physical damage define how much you are willing to pay if the claim is covered. The more of the claim you choose to pay out-of-pocket, the lower your rates will be for Maxima insurance.
  • Gender and car insurance prices – Statistics have proven that females take fewer risks when driving. However, this does not mean men are worse drivers. Both genders tend to get into auto accidents in similar numbers, but men cause more damage. Not only are claims higher, but men get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.

  • Are my friends covered when driving my 1991 Nissan Maxima?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why is insurance for a teen driver so high?
  • Is my dog or cat covered if injured in an accident?
  • Does my personal policy cover me when driving out-of-state?
  • Are my friends covered when driving my car?
  • Am I covered by my spouse’s policy after a separation?
  • Is business property covered if stolen from my car?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Tricks in insurance coverage advertising

Respected companies like Progressive, Allstate and Geico regularly use ads on television and other media. They all seem to convey the message about how much you will save if you just switch your policy. How does each company save you money? It’s all in the numbers.

Different companies have specific criteria for the type of driver that will most likely be profitable. For example, a desirable risk may need to be over the age of 35, insures multiple vehicles, and drives a vehicle with a low ISO rating. Any person that meets those criteria receive the lowest rate quotes as well as save a lot if they switch.

Consumers who may not quite match these stringent criteria will be quoted a more expensive rate which translates to the customer not purchasing. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” can save as much as they claim. This is how insurance companies can confidently make it sound like they have such great car insurance rates.

Because of these techniques, you need to compare as many free insurance quotes as you can. You cannot predict which company will have better rates than you’re paying now.

Car insurance coverage options for a Nissan Maxima

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average car insurance policy.

Coverage for liability – This can cover damage that occurs to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like hospital visits, funeral costs, chiropractic care, surgery and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Maxima.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive protection – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, falling objects, theft and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Be a Smart Shopper

Some insurance companies do not provide online rate quotes and most of the time these regional insurance providers prefer to sell through independent agents. Lower-priced insurance is possible from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money.

In this article, we presented some good ideas how you can lower your 1991 Nissan Maxima insurance premium rates. The key concept to understand is the more you quote insurance, the better likelihood of getting low cost insurance. Drivers may discover the lowest priced insurance comes from a small mutual company. Regional companies may have significantly lower prices on certain market segments than their larger competitors like Geico and State Farm.

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