Save on 1996 Nissan Maxima Car Insurance Quotes

Searching for lower insurance rates for your Nissan Maxima? Do you think you bought an overpriced insurance policy? Trust us, many drivers have buyer’s remorse.

Insurance companies such as State Farm, GEICO and Farmers Insurance constantly blast consumers with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

Consumers need to do price comparisons on a regular basis due to the fact that insurance prices change quite often. Even if you think you had the lowest rate on Maxima insurance two years ago a different company probably has better premium rates today. There is a lot of bad advice regarding insurance on the internet, but you can learn some tested techniques to find affordable insurance.

Buy auto insurance online

There are a variety of methods to compare auto insurance prices but there is one way that is more efficient than others. You could waste a few hours driving to agents in your area, or you could use online quotes to achieve your goal.

Most major companies belong to a marketplace where insurance shoppers send in one quote, and at least one company can give them a price for coverage. This saves time by eliminating quote forms to every company. To compare rates using this form now click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify the insurers to get quotes from. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to keep the exact same coverages with every price quote. If you are comparing different coverage information then you won’t be able to determine which rate is truly the best. Just a small difference in coverages may result in a large different in cost. Keep in mind that quoting more provides better odds of finding lower pricing. Not every company does price estimates online, so it’s recommended that you also compare price quotes from them, too.

Cheaper rates with discounts

Car insurance is not inexpensive, but you may find discounts that you may not even know about. A few discounts will automatically apply when you complete an application, but some may not be applied and must be asked about prior to receiving the credit.

  • Multiple Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you will save nearly 15% which can help you find cheap auto insurance.
  • Safety Restraint Discount – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Own a Home – Owning your own home or condo can save a few bucks because of the fact that having a home demonstrates responsibility.
  • First Accident Forgiveness – Not a discount per se, but a few companies such as Allstate and State Farm will allow you to have one accident without raising rates if your claims history is clear for a specific time period.
  • Drive Safe and Save – Accident-free drivers may receive a discount up to 45% on Maxima insurance than drivers with accidents.
  • Anti-theft System – Cars with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Some companies that may offer policyholders these discounts may include but are not limited to:

If you need lower rates, check with each insurance company which discounts you may be entitled to. Savings might not be offered everywhere. To see providers with significant discounts, click here to view.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if your insurance needs might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Is a fancy paint job covered?
  • Is my 1996 Nissan Maxima covered for flood damage?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • How many claims can I have before being cancelled?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage specifics

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Collision coverage protection

Collision coverage will pay to fix damage to your Maxima caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.


Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, structural damage, court costs, pain and suffering and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, damage from getting keyed, theft and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 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.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as hospital visits, chiropractic care, rehabilitation expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible