Lower Your 2016 Nissan Maxima Car Insurance Rates

Trying to find the cheapest car insurance rates for your Nissan Maxima? Trying to find cheap car insurance could be hard for drivers new to quoting and comparing prices online. Consumers have so many agents and companies to choose from that it can be a lot of work to find better prices.

Compare auto insurance price quotes online

To find the best auto insurance prices, there are several ways to compare rate quotes from many different insurance companies. The simplest method to do a complete rate comparison consists of shopping online. It’s really quite simple and can be done in a couple minutes as outlined below.

Experts agree that the best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do a different quote to each individual auto insurance company. A single form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
A more difficult way to analyze rates requires you to visit each individual company website to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Allstate, 21st Century and Farmers. You would need to visit each site and repeatedly type in your coverage information, which can get rather old. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use identical coverage data on every quote. If you enter mixed coverages it will be very difficult to make an equal comparison. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that getting more free quotes provides better odds of finding better pricing.

Get cheap rates by taking advantage of discounts

Some providers do not list their entire list of discounts very clearly, so the below list has some of the best known and also the lesser-known discounts that may be available.

Responsible Drivers – Insureds who avoid accidents may save up to 50% more for Maxima coverage compared to rates paid by drivers with frequent claims.
E-sign – Certain insurance companies may give you up to $50 for buying a policy and signing up on the internet.
Driver’s Education for Students – Have your child complete a driver education course in school.
ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Policy Bundle Discount – If you can bundle your homeowners and auto insurance with one company you could save as much as 10 to 15 percent.
Telematics Discount – Insureds who allow companies to look at where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic.

If you would like to view providers who offer free insurance coverage quotes, follow this link.

How much auto insurance do I need?

When buying adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

Will my vehicle be repaired with OEM or aftermarket parts?
Is borrowed equipment or tools covered if stolen or damaged?
What happens if I owe more than my 2016 Nissan Maxima is worth?
Do I need more liability coverage?
How much underlying liability do I need for an umbrella policy?
Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage information

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hitting a bird, hitting a deer, damage from flooding and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like medical services, structural damage, repair costs for stationary objects, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, nursing services, funeral costs, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

This coverage covers damage to your Maxima resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.