Compare 2017 Nissan Maxima Insurance Cost

Searching for lower auto insurance rates for your Nissan Maxima? Confused by the sheer number of auto insurance sources in your area? Many other people are as well. drivers have such a vast assortment of sources available that it can easily become a challenge to locate the lowest premium rates.

Consumers should take time to get comparison quotes once or twice a year since insurance prices change quite often. If you had the best rates on Maxima insurance at your last renewal there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the only way to find the best coverage while lowering your premiums.

How to buy insurance online

When looking for cheaper car insurance quotes, there are a couple ways to get quotes from insurance companies in your area. By far the easiest way to lower the rate you pay for 2017 Nissan Maxima insurance is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. If you are pressed for time, the simplest way to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing boring form submissions for each company you want a rate for. Filling out one form will return price quotes from multiple companies. It’s the fastest way to compare.
  2. A less efficient way to compare rate quotes requires a trip to each company website and repeat the quote process again and again. For example, we’ll assume you need rates from Geico, Farmers and Progressive. To do that, you would have to go to each individual site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Compare rates however you want, just compare the exact same coverage data with each company. If you have different data it will be very difficult to make an equal comparison. Quoting even small variations in coverages may result in large price differences. Just remember that comparing a large number of companies increases your odds of finding the best price. Some companies don’t provide rate quotes online, so you also need to get quotes on coverage from those companies, too.

Do car insurance companies bend the truth?

Big name companies like Allstate, Geico and Progressive endlessly run ads in print and on television. All the ads make the point that drivers will save a bundle if you just switch your coverage. Is it even possible that every company can lower your premium rates? This is the way they can do it.

All companies quote the lowest rates for the driver that will most likely be profitable. A good example of a profitable customer might have to be between the ages of 30 and 45, carries high limits, and has excellent credit. Someone that hits that “sweet spot” gets the lowest premium rates and will also pay quite a bit less when switching companies.

People who are not a match for those standards may be forced to pay a more expensive rate with the end result being the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “everyone who quotes” save that much. That is how insurance companies can confidently advertise the savings. This really drives home the point why it’s extremely important to quote coverage with many companies. Because without a comparison, you cannot know the company that will be your best fit.

Buy Nissan Maxima insurance cheaper

Many different elements are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, but other criteria are not quite as obvious like your vehicle usage or how financially stable you are.Smart consumers have a good feel for a few of the rating criteria that play a part in calculating the rates you pay for insurance. When you understand what influences your rates, this allows you to make good choices that may result in better insurance rates.

Shown below are just a few of the factors utilized by car insurance companies to help set premiums.

  • Do males or females drive better? – Over time, data shows that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Females and males are in accidents at about the same rate, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations like DUI and reckless driving.
  • Fewer miles means better prices – The higher the miles on your Nissan annually the more it will cost to insure it. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos not used for work or commuting cost less to insure than cars that get driven a lot. It’s a good idea to make sure your insurance policy is showing the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Maxima may be wasting your money.
  • Safety first – Vehicles that have high safety ratings are cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Traffic violations are costly – Even one ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers unfortunate enough to have flagrant tickets such as hit and run, DWI or reckless driving convictions may find they need to complete a SR-22 with their state DMV in order to prevent their license from being revoked.

Lower rates by qualifying for discounts

Companies do not advertise the complete list of policy discounts very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Low Mileage – Fewer annual miles on your Nissan may enable drivers to earn substantially lower rates.
  • Distant Student Discount – Older children who live away from home to go to college without a vehicle on campus can be insured at a reduced rate.
  • Theft Deterent – Cars, trucks, and SUVs optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
  • Safety Course Discount – Taking time to complete a class that teaches safe driver techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. Most companies allow this discount up to age 25.

We need to note that most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

Companies and a summarized list of policyholder discounts can be found below.

  • Progressive includes discounts for online quote discount, multi-policy, multi-vehicle, continuous coverage, and good student.
  • The Hartford has savings for vehicle fuel type, good student, bundle, driver training, anti-theft, and air bag.
  • Mercury Insurance may include discounts for multi-car, accident-free, anti-theft, ease of repair, and low natural disaster claims.
  • Geico offers discounts for good student, defensive driver, five-year accident-free, daytime running lights, anti-theft, and driver training.
  • AAA may offer discounts for multi-car, multi-policy, good student, education and occupation, anti-theft, pay-in-full, and AAA membership discount.
  • State Farm offers premium reductions for passive restraint, defensive driving training, multiple autos, good driver, student away at school, Drive Safe & Save, and good student.

If you are trying to find affordable car insurance quotes, ask every prospective company to give you their best rates. Savings may not be offered in your state. To locate providers who offer discounts, click here.

Insurance coverage is unique, just like you

When buying the best insurance coverage coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

These are some specific questions might help in determining if your situation might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Does insurance cover damages from a DUI accident?
  • Should I carry comprehensive and collision coverage?
  • Am I better off with higher deductibles on my 2017 Nissan Maxima?
  • Is my nanny covered when driving my vehicle?
  • Are my tools covered if they get stolen from my vehicle?
  • Is pleasure use cheaper than using my 2017 Nissan Maxima to commute?
  • Should I buy only the required minimum liability coverage?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Parts of your auto insurance policy

Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Nissan Maxima.

Because many people 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.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, rock chips in glass and damage from getting keyed. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as ambulance fees, X-ray expenses, doctor visits, hospital visits and chiropractic care. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Maxima resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, backing into a parked car, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as court costs, repair costs for stationary objects, medical expenses, emergency aid and structural damage. How much coverage you buy is up to you, but buy as large an amount as possible.

Save your cold hard cash

When getting car insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Lower-priced insurance coverage is possible online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not provide the ability to get quotes online and usually these regional carriers sell through local independent agents.

In this article, we presented a lot of techniques to lower your 2017 Nissan Maxima insurance car insurance rates. The key thing to remember is the more you quote car insurance, the better likelihood of getting the cheapest car insurance. You may be surprised to find that the lowest car insurance rates are with the smaller companies.

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