2014 Nissan Maxima Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Nissan Maxima? Locating the cheapest insurance for a Nissan Maxima can normally be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage on a Nissan and obtain the lowest possible price either online or from local insurance agents.

How your Maxima insurance costs are determined

Lots of things are used when premium rates are determined. Some of the criteria are obvious like your driving record, but some are not as apparent like where you live and annual miles driven.

Shown below are just a few of the factors used by insurance companies to determine your prices.

Youthful drivers cost more – Young drivers have been known to get distracted easily with other occupants in the car therefore car insurance rates are much higher. Older, more experienced drivers are viewed as being more responsible, are lower risk to insure , and usually have better credit.
Extra policy coverages that may not be needed – Insurance companies have many extra bells and whistles that you can buy if you aren’t careful. Coverages like coverage for rental cars, high-cost glass coverage, and extra equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.
Cautious drivers pay better costs – Being a careful driver has a lot to do with how much you pay for insurance. Good drivers get better prices than their less careful counterparts. Just one speeding ticket or other violation can boost insurance rates to the point where it’s not affordable. Drivers who get careless citations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
Five star IIHS safety rating saves money – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and reduced instances of injuries translates directly to fewer claims and thus lower rates. If the Nissan Maxima scored better than four stars on Safercar.gov you may pay a lower rate.
Stress out and pay more – Jobs like military personnel, executives and stock brokers generally pay the highest average rates because of high stress levels and lots of time spent at work. Other careers like farmers, historians and homemakers pay lower than average rates on Maxima coverage.
Maintain car insurance coverage – Driving with no insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. Not only will you pay higher rates, failure to provide proof of insurance could result in fines or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
Liability preserves assets – Your policy’s liability coverage is the protection when a court rules you are at fault for physical damage or personal injury to other. It will provide you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
Commute or pleasure use – The more you drive your Nissan every year the more it will cost to insure it. A lot of insurance companies charge rates determined by how the vehicle is used. Cars that have low annual miles receive better premium rates than those that get driven frequently. An improperly rated Maxima can result in significantly higher rates. Ask your agent if your car insurance coverage states how each vehicle is driven, because it can save money.

The easiest way to compare insurance rates in your area is to know most larger insurance companies will pay a fee to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information such as deductibles desired, the year, make and model of vehicles, types of safety features, and your education level. That information is then sent to all major companies and you get price estimates immediately.

Auto insurance companies are expert advertisers

Drivers constantly see and hear ads for auto insurance savings from companies such as State Farm, Geico and Progressive. All the companies say the same thing about saving some big amount if you get a free car insurance quote and switch your auto insurance policy to them.

But how can every company charge less that you’re paying now? Here is how they do it.

All the different companies have underwriting criteria for the type of customer that will be a good risk. For example, a driver they prefer might have to be over the age of 40, has never had a claim, and drives less than 7,500 miles a year. Any person who fits those characteristics gets the lowest rates and therefore will save some money.

Potential customers who fall outside these criteria will probably be forced to pay higher rates and ends up with business going elsewhere. The ads say “drivers that switch” not “all people who quote” save money. This is how insurance companies can state the savings. Because of the profiling, you need to quote coverage with many companies. It’s just too difficult to predict which company will fit your personal profile best.

Discounts for affordable auto insurance rates

Auto insurance is neither fun to buy or cheap, but you may find discounts that could drop your premiums quite a bit. Most are applied when you get a quote, but some discounts are required to be asked for before being credited.

Own a Home – Being a homeowner can save a few bucks since owning and maintaining a home demonstrates responsibility.
Drive Less and Save – Driving less could be rewarded with better prices on cars that stay parked.
Passive Restraint Discount – Factory air bags can receive discounts up to 30%.
Senior Citizen Rates – Drivers over the age of 55 could receive better auto insurance rates on Maxima coverage.
Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Maxima coverage but check with your company.
Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a specific time period.
ABS Braking Discount – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more.
Defensive Driver Discounts – Completing a course in safe driver could earn you a small percentage discount and easily pay for the cost of the class.
Good Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on Maxima coverage than drivers with accident claims.
No Claim Discounts – Claim-free drivers pay much less when compared to accident-prone drivers.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will positively reduce the amount you pay for coverage.

Some of the insurance companies who may offer these benefits are:

Before you buy a policy, ask each company how you can save money. Savings might not be offered in your area. To see a list of insurance companies who offer discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs could use an agent’s help.

What is UM/UIM insurance?
What companies insure drivers after a DUI or DWI?
Are rock chip repairs covered?
Is a fancy paint job covered?
Am I covered if I hit a deer?
Am I better off with higher deductibles on my 2014 Nissan Maxima?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverage specifics

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage – Collision insurance pays for damage to your Maxima from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle, rolling your car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Maxima.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – This can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like falling objects, hitting a deer, fire damage and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Have the Midas touch

People leave their current company for any number of reasons including unfair underwriting practices, policy cancellation, not issuing a premium refund and lack of trust in their agent. Whatever your reason, finding the right car insurance provider is easier than you think.

There are still a few companies who may not have online price quotes and most of the time these regional carriers only sell coverage through independent agents. Budget-friendly car insurance can be purchased both online and with local insurance agents, and you need to price shop both to have the best rate selection.

When getting car insurance quotes online, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage for the lowest cost while still protecting your assets.