1994 Nissan Maxima Insurance Quotes – 9 Tips to Save

Did you make the mistake of buying overpriced car insurance? Say no more because many consumers are in the same pinch.

Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best rates possible.

It’s a great practice to compare premium rates occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the lowest rate for Maxima coverage a year ago you will most likely find a better price today. Forget all the misinformation about car insurance because you’re about to learn the best methods to find better rates and still maintain coverage.

Lower-cost auto insurance quotes with discounts

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we researched some of the best known and the harder-to-find discounts that you may qualify for.

  • Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the medical payments premium.
  • New Vehicle Savings – Putting insurance coverage on a new car can get you a discount since newer models have better safety ratings.
  • Drive Less and Save – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
  • ABS Brakes – Cars with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
  • Responsible Driver Discount – Drivers without accidents may save up to 50% more for Maxima coverage as compared to drivers with claims.
  • Policy Bundle Discount – When you combine your auto and home insurance and insure them with the same company you could get a discount of up to 20% off your total premium.
  • Early Switch Discount – Some larger companies reward drivers for switching policies prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Telematics Data Discounts – Drivers that enable driving data collection to look at vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Larger auto insurance companies and a partial list of their discounts are outlined below.

  • Geico discounts include five-year accident-free, anti-theft, defensive driver, daytime running lights, and multi-policy.
  • Travelers has savings for hybrid/electric vehicle, good student, new car, multi-policy, early quote, continuous insurance, and driver training.
  • Farm Bureau may have discounts that include 55 and retired, multi-policy, youthful driver, safe driver, and multi-vehicle.
  • Liberty Mutual offers discounts including multi-car, hybrid vehicle, safety features, exclusive group savings, newly retired, multi-policy, and teen driver discount.
  • American Family has discounts for bundled insurance, mySafetyValet, Steer into Savings, defensive driver, and early bird.
  • Progressive may offer discounts for good student, continuous coverage, homeowner, online signing, and multi-vehicle.

It’s a good idea to ask all the companies the best way to save money. All car insurance discounts might not be offered on policies in your area. To see a list of insurers with the best discounts, click here.

The quickest method to compare car insurance company rates is to realize most insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide a little information including if it has an anti-theft system, what your job is, if you have a valid license, and whether you have decent credit. The rating information is then sent to multiple companies and you will receive price estimates quickly.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I waive the damage coverage when renting a car?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Why is insurance for a teen driver so high?
  • What discounts do I qualify for?
  • Why am I required to get a high-risk car insurance policy?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

The insurance bait and switch

Big name companies like Progressive, Allstate and Geico endlessly run ads on television and other media. They all have a common claim that drivers can save some big amount if you move to their company. How can each company claim to save you money? Just pay attention to how they say it.

Insurance companies have a certain “appetite” for the type of customer that makes them money. A good example of this type of risk profile may be a female over age 40, owns a home, and drives a safe vehicle. Any person who matches those parameters will probably get cheap prices and will most likely save when switching.

Potential customers who do not meet the requirements will probably be forced to pay a higher rate and ends up with the prospect going elsewhere. The ads say “people that switch” not “everyone that quotes” save the amount stated. This is how insurance companies can make those claims. Because every company is different, you absolutely need to compare price quotes frequently. It is impossible to predict the company that will provide the lowest prices.

Educate yourself about insurance coverages

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Liability car insurance

Liability insurance protects you from damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, legal defense fees, loss of income, emergency aid and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as EMT expenses, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your 1994 Nissan Maxima.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

This covers damage to your Maxima resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, crashing into a building, scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Make a quick buck

We just covered many tips how you can get a better price on 1994 Nissan Maxima insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive insurance. You may even find the best price on auto insurance is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

The cheapest 1994 Nissan Maxima insurance can be purchased both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis. There are still a few companies who don’t offer the ability to get quotes online and many times these smaller providers work with independent agents.

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