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Nissan Maxima Insurance Quotes

You have many choices when looking for the best insurance on your Nissan vehicle. You can buy from an insurance agent or go online to compare rates from multiple companies. Comparing auto insurance online can be fast and easy, in addition you may find lower rates.

If you've never shopped for auto insurance online, you may be confused by the hoards of auto insurance companies selling insurance. Reducing your Maxima insurance cost is not rocket science. All that's required is to spend a few minutes on the computer to compare quotes provided by online insurance companies. This can be done by comparing rates here.

Criteria which help determine Maxima insurance rates

Insurance premiums for a Nissan Maxima can be significantly different depending on several factors. A few of these criteria are:

  • Higher performance Maxima vehicles cost more
  • How many accidents you have had
  • Home and auto can earn discounts
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older Nissan models so the cost to replace them may end up costing you more. Conversely, newer vehicles have more advanced features such as forward-collision avoidance, tire pressure monitors, and autonomous braking that may help lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Maxima from the following list.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage protection

This coverage covers damage to your Nissan caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Maxima collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.

How Much are Nissan Maxima Insurance Rates?