View 1993 Nissan Maxima Car Insurance Rates

Are you burned out from wondering where the money will come from to pay your insurance coverage bill each month? You’re in the same situation as most other vehicle owners. Since you have so many companies to choose from, it’s nearly impossible to choose the best insurer.

The easiest way to compare insurance rates from multiple companies is to understand car insurance companies pay for the opportunity to provide you with a free rate quote. To get started, all you need to do is provide details such as which vehicles you own, what your job is, whether or not you need a SR-22, and your general credit rating. The rating information is instantly sent to insurance companies and you get price estimates instantly.

To compare rates for your Nissan Maxima now, click here then complete the form.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether or not you may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have newly-aquired coverage?
  • Should I buy only the required minimum liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When can my company non-renew my policy?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Educate yourself about insurance coverages

Having a good grasp of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.

Liability coverage

This coverage can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, loss of income and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like ambulance fees, rehabilitation expenses, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft, a broken windshield and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance will pay to fix damage to your Maxima caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, hitting a mailbox, driving through your garage door, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 1993 Nissan Maxima.

Because many people 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 is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.