2007 Nissan Maxima Car Insurance Rates – 6 Ways to Save

Looking for better insurance rates for your Nissan Maxima? Pricey insurance can take a big chunk out of your funds, especially in this economy.

People have multiple insurance companies to pick from, and even though it’s nice to have multiple companies, it makes it harder to find a good deal.

Smart consumers take time to compare rates before your policy renews because prices change regularly. If you had the lowest price for Maxima insurance two years ago you will most likely find a better rate today. There is a lot of bad advice regarding insurance online, but in this article, you’re going to get some guaranteed methods to lower your insurance rates.

Finding the best rates is not rocket science. If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Although drivers should learn the way insurance companies price online insurance and take advantage of how the system works.

Cut your auto insurance rates with these six discounts

Some insurers do not list their entire list of discounts very clearly, so the list below details both well-publicized as well as some of the hidden credits that may apply to you.

  • Smart Student Discounts – This discount could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get lower premium rates for Maxima insurance.
  • Discounts for New Vehicles – Insuring a new car may earn a small discount because newer vehicles keep occupants safer.
  • Own a Home – Owning a home can get you a discount because it is proof of financial responsibility.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts could see savings of up to 25% or more.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

If you would like to choose from a list of providers that offer some of these discounts, click here to view.

You are unique and your auto insurance should be too

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that For example, these questions can help discover whether your personal situation would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • What if I don’t agree with a claim settlement offer?
  • Is my state a no-fault state?
  • Why am I required to buy high-risk coverage?
  • Do I need an umbrella policy?
  • At what point should I drop full coverage?
  • How do I buy GAP insurance?
  • Am I better off with higher deductibles on my 2007 Nissan Maxima?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Big name companies like Allstate and Progressive consistently run ads on television and other media. They all advertise claims about how much you will save if you switch your car insurance policy to them. How does each company give you a lower rate?

Insurance providers have specific characteristics for the right customer that earns them a profit. An example of a profitable insured could possibly be over the age of 35, carries full coverage, and has a short commute. Anyone that hits that “sweet spot” receives the best auto insurance rates and as a result will probably save quite a bit of money when switching.

Insureds who fall outside those standards will be charged a more expensive rate which usually ends up with business not being written. The wording the ads use say “drivers who switch” not “all people who quote” save that much money. This is how insurance companies can make those claims. That is why you really need to get a wide range of price quotes. Because without a comparison, you cannot know which car insurance company will have the lowest rate quotes.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Maxima.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, EMT expenses, ambulance fees and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability – This coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical services, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Compare but don’t skimp

Discount 2007 Nissan Maxima insurance can be bought online and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies don’t offer internet price quotes and most of the time these small, regional companies provide coverage only through independent insurance agencies.

In this article, we presented some good ideas how to reduce 2007 Nissan Maxima insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers could even find that the best prices are with a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

More information can be read at the links below