1998 Nissan Maxima Insurance Quotes – 5 Ways to Save

Looking for lower auto insurance rates for your Nissan Maxima? Finding low-cost insurance for a new or used Nissan Maxima can turn out to be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the proper way to compare rates for a Nissan and locate the lowest price.

How to buy insurance coverage online

Comparing insurance coverage rates is a ton of work if you don’t understand the fastest way to get free quotes. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many insurance companies take part in a program that allows shoppers to enter their policy data once, and each company returns a rated price for coverage. This system prevents you from having to do quote forms to every company. To get comparison pricing now click to open in new window.

The single downside to pricing coverage this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to pick from a list of companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing the same quote data on every price quote you get. If you have different values for each quote it’s not possible to determine which company has the best rates.

How much car insurance do I need?

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • Do I need more liability coverage?
  • How much liability do I need to cover my assets?
  • How high should deductibles be on a 1998 Nissan Maxima?
  • What can I do if my company denied a claim?
  • Is my 1998 Nissan Maxima covered for flood damage?
  • When should I not file a claim?
  • Should I carry comprehensive and collision coverage?
  • Am I insured when driving a different vehicle?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 1998 Nissan Maxima.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as court costs, attorney fees, repair costs for stationary objects and legal defense fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, damage from getting keyed, damage from flooding and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills such as prosthetic devices, ambulance fees, chiropractic care, doctor visits and funeral costs. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible