2003 Nissan Maxima Insurance Quotes

Searching for the cheapest auto insurance rates for your Nissan Maxima? Are you drained from sacrificing other expenses to make your auto insurance payment? You have the same problem as many other consumers. Since vehicle owners have many auto insurance companies to choose from, it can be diffult for drivers to find a more affordable company.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to learn the most efficient way to get comparison rates online.

Cheap insurance

There are several ways to compare insurance quotes, but one way is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get the quickest rates.

Most major companies take part in a program that enables customers to enter their policy data once, and each participating company can provide price quotes. This saves time by eliminating form submissions to each individual insurance company.

To participate in this free quote system, click here to open in new window.

The only downside to doing it this way is you cannot specify which companies to get pricing from. So if you prefer to choose specific providers to compare rates, we have a listing of the cheapest insurance companies in your area. Click to view list.

Compare rates however you want, just try to keep exactly the same coverages and limits for every quote you compare. If your comparisons have different data it will be very difficult to determine the best price for your Nissan Maxima.

Insurance can be complex

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if you will benefit from professional help.

• When would I need additional glass coverage?
• Do I need added coverage for expensive stereo equipment?
• How does medical payments coverage work?
• What is no-fault insurance?
• Does having multiple vehicles earn me a discount?
• Do I need special endorsements for business use of my vehicle?
• What is the difference between comprehensive and collision coverage?
• Is my 2003 Nissan Maxima covered for smoke damage?
• What if I don’t agree with a claim settlement offer?
• Should I buy full coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills such as rehabilitation expenses, prosthetic devices, surgery, nursing services and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Nissan Maxima.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto liability – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as bail bonds, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, vandalism, falling objects, hitting a deer and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This will pay to fix damage to your Maxima resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, colliding with a tree, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.