1999 Nissan Maxima Insurance Cost

Want better car insurance rates? Drivers have options when trying to find the best price on Nissan Maxima insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to shop for car insurance and you need to know the best way to get price quotes for a Nissan and get the lowest price.

Don’t overlook these insurance coverage discounts

Some providers don’t list all available discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find credits available to bring down your rates. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • Paper-free Discount – Many insurance coverage companies will give a small break for signing up on their website.
  • Drive Safe and Save – Insureds without accidents can save as much as half off their rates on Maxima insurance than less cautious drivers.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Discount for Home Ownership – Just owning your own home may earn you a small savings since home ownership demonstrates responsibility.
  • Policy Bundle Discount – If you can combine your auto and home policy with one insurance company you will save up to 20% and get you the cheapest car insurance.
  • Telematics Discount – Drivers that enable data collection to analyze when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.

You should keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies and the discounts they provide are detailed below.

  • State Farm has discounts for student away at school, good student, driver’s education, Steer Clear safe driver discount, multiple autos, and Drive Safe & Save.
  • Progressive may offer discounts for online signing, good student, multi-vehicle, continuous coverage, homeowner, and multi-policy.
  • Progressive offers premium reductions for continuous coverage, multi-vehicle, good student, multi-policy, homeowner, and online quote discount.
  • MetLife may have discounts that include accident-free, claim-free, multi-policy, good student, defensive driver, and good driver.
  • Farm Bureau policyholders can earn discounts including safe driver, driver training, youthful driver, 55 and retired, good student, multi-policy, and multi-vehicle.
  • Geico offers discounts for military active duty, multi-policy, seat belt use, federal employee, good student, and membership and employees.
  • SAFECO has savings for bundle discounts, multi-car, accident prevention training, teen safety rewards, homeowner, and safe driver.

Double check with all companies you are considering which discounts can lower your rates. All car insurance discounts may not be available everywhere. For a list of insurers that offer multiple discounts, click here to view.

How to shop auto insurance online

There are several ways to shop for auto insurance, but there is one way that is more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to achieve your goal.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers complete one form, and every company returns a competitive quote. This eliminates the need for quotation requests for each company.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to using this type of system is that you can’t choose which companies you want to price. So if you prefer to choose individual companies to receive pricing from, we have a page of auto insurance companies in your area. Click here to view list.

Whichever method you choose, be sure you’re using nearly identical coverage limits with each company. If you have different liability limits it’s not possible to decipher which rate is best.

How insurance companies determine Nissan Maxima insurance costs

Many things are used in the calculation when you get a price on insurance. Some are pretty understandable like an MVR report, although others are less obvious such as whether you are married or how safe your car is.A large part of saving on auto insurance is knowing the factors that help calculate your premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can earn you better auto insurance rates.

  • Certain jobs raise rates – Jobs such as doctorspolice officers and dentists have higher rates than the rest of us because of job stress and lengthy work days. On the other hand, professions such as farmers, students and retirees generally pay rates lower than average on Maxima insurance.
  • Traffic violations will cost you – Your driving record has a lot to do with how much you pay for insurance. Getting just one ticket may increase your cost twenty percent or more. Attentive drivers have lower premiums compared to bad drivers. Drivers who have gotten flagrant citations like DUI or reckless driving may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Never let your coverage expire – Not having insurance is against the law and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a steep fine or even jail time.
  • Your address can influence prices – Being located in smaller towns and rural areas of the country is a positive aspect when buying auto insurance. Fewer people translates into fewer accidents in addition to fewer liability claims. People who live in big cities have to deal with congested traffic and more severe claims. Higher commute times statistically corresponds to a higher accident and claim rate.
  • Premiums for men may be higher – Over time, data shows that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. Women and men are responsible for auto accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
  • With age comes lower costs – Inexperience drivers are proven to be inattentive when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents , and are generally more financially stable.
  • Do you know you’re credit rating? – A driver’s credit rating can be an important factor in determining what you pay. Drivers with excellent credit scores tend to be better risks to insure as compared to drivers with lower credit ratings. If your credit rating leaves room for improvement, you may save money insuring your 1999 Nissan Maxima if you clean up your credit.

When to get professional advice

When buying coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • When should I not file a claim?
  • How much can I save by bundling my policies?
  • Am I covered if I hit a deer?
  • Is my trailer covered?
  • If I drive on a suspended license am I covered?
  • Can I get a multi-policy discount?
  • Do I need medical payments coverage since I have good health insurance?
  • Why do I need rental car insurance?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Specifics of your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

Collision coverage pays for damage to your Maxima from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for doctor visits, dental work, nursing services and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Liability auto insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, attorney fees, bail bonds, loss of income and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hail damage, theft, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More choices the merrier

Consumers switch companies for any number of reasons including lack of trust in their agent, questionable increases in premium, high prices and extreme rates for teen drivers. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Throughout this article, we presented some good ideas how you can save on 1999 Nissan Maxima insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies.

When you buy car insurance online, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced physical damage coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best cost and still be able to protect your assets.

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