1995 Nissan Maxima Car Insurance Rates – 5 Tips for Best Quotes

Searching for better insurance coverage rates for your Nissan Maxima? Locating better insurance prices for your Nissan Maxima could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare insurance coverage rates so you’re going to learn the best way to get price quotes on a Nissan and find the lowest possible price from both online companies and local agents.

More discounts mean cheap premiums

Not many people think insurance is cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. A few discounts will be applied when you quote, but lesser-known reductions have to be manually applied before they will apply.

  • Responsible Drivers – Insureds without accidents may save up to 50% more for Maxima insurance than drivers with accidents.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • Defensive Driving Course – Passing a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.

A quick disclaimer, some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • State Farm may include discounts for driver’s education, multiple policy, Steer Clear safe driver discount, passive restraint, student away at school, defensive driving training, and anti-theft.
  • Liberty Mutual offers premium reductions for newly retired, multi-policy, multi-car, preferred payment discount, newly married, and hybrid vehicle.
  • American Family includes discounts for defensive driver, mySafetyValet, accident-free, good student, TimeAway discount, and good driver.
  • Progressive may have discounts that include homeowner, online signing, multi-vehicle, good student, multi-policy, continuous coverage, and online quote discount.
  • Farmers Insurance offers discounts for business and professional, youthful driver, homeowner, good student, switch companies, alternative fuel, and distant student.
  • Auto-Owners Insurance has savings for teen driver, multiple vehicles, mature driver, multi-policy, group or association, and student away at school.
  • SAFECO discounts include homeowner, anti-theft, anti-lock brakes, multi-car, accident prevention training, teen safety rewards, and safe driver.

Before you buy a policy, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available everywhere. To find companies who offer free car insurance quotes, click here.

How to lower your insurance coverage cost

Finding a better price on insurance coverage is a great way to save money. The only thing you need to do is invest a little time getting comparison quotes online with multiple companies. Price comparisons can be done by using one of the methods below.

  1. One of the best ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This style of form eliminates the need for separate quote forms for each price estimate. Just one form gets you coverage quotes from many national carriers. Just one form and you’re done.
  2. A more difficult way to analyze rates requires a visit to each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want to see prices from Auto-Owners, Safeco and Liberty Mutual. You would need to go to each individual site and enter your information, which is why first method is reommended.

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

However you get your quotes, be sure you’re using the exact same coverage data for each comparison quote. If the quotes have different data you will not be able to find the best deal for your Nissan Maxima.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • Why does it cost so much to insure a teen driver?
  • Should I have a commercial auto policy?
  • How much liability insurance is required?
  • When would I need additional glass coverage?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my camper covered by my car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Ads can be misleading

Consumers get pounded daily by advertisements that claim the lowest car insurance rates from companies such as State Farm and Allstate. They all make an identical promise that drivers will save a bundle if you switch your policy.

It sounds good, but how can they all make the same claim? Here is how they do it.

Different companies can use profiling for the type of driver that makes them money. An example of this type of driver could possibly be married and over the age of 30, insures multiple vehicles, and chooses high deductibles. A customer that meets those criteria will most likely get cheap premium rates and will probably save when switching.

People who don’t qualify for these criteria may be forced to pay higher rates which translates to the customer buying from someone else. If you pay attention, the ads say “drivers who switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can make those statements. Because of these techniques, it’s extremely important to compare quotes as often as possible. It is just not possible to predict with any certainty which company will have the lowest rate quotes.

Information about specific coverages

Having a good grasp of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverage

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, hitting a bird, a tree branch falling on your vehicle and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Nissan Maxima.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability coverage

This can cover damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, legal defense fees, court costs and loss of income. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses for hospital visits, funeral costs, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, sustaining damage from a pot hole, crashing into a building and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

You can do this!

When you buy car insurance online, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

You just learned a lot of information how to save on 1995 Nissan Maxima insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even find the most savings is with the least-expected company.

Consumers who switch companies do it for any number of reasons including poor customer service, delays in responding to claim requests, high rates after DUI convictions and even policy non-renewal. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

More learning opportunities