Save on 2004 Nissan Maxima Car Insurance Quotes

Trying to find lower insurance coverage rates for your Nissan Maxima? Pretty sure you bought high-priced insurance coverage? Believe me, you’re not alone.

Online insurance companies like GEICO, 21st Century and Progressive all promote huge savings with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

It’s important to check insurance coverage prices before your policy renews because insurance prices are constantly changing. Just because you had the best deal for Maxima insurance a year ago you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the best methods to eliminate unnecessary coverages and save money.

How much is insurance coverage?

Most of the larger companies like Allstate and Progressive give coverage prices direct online. Getting online quotes can be done by anyone because you just enter on the page. After the form is submitted, the system makes automated requests for your credit score and driving record and returns a price based on the information you submitted. This makes it simple to compare prices but having to visit multiple sites and type in your information can be a bit tiresome and repetitive. But it’s necessary to do this if you are searching for the lowest price.

The quickest way to compare rates uses one simple form to return rates from several companies at one time. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy any of the quotes returned. If you find a better price you can simply submit the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in a new tab and submit the form. If you currently have coverage, we recommend you copy your coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving a price comparison for similar insurance coverage.

Affordable insurance coverage quotes with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit.

  • Discounts for Good Drivers – Safe drivers may receive a discount up to 45% for Maxima insurance than drivers with accident claims.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the medical payments premium.
  • Defensive Driving Course – Successfully completing a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Homeowners Savings – Owning a home can save a few bucks because owning a home shows financial diligence.
  • Government Employee Discount – Active or retired federal employment can earn a discount up to 10% for Maxima insurance with certain companies.
  • Discounts for New Vehicles – Adding a new car to your policy may earn a small discount because newer vehicles have to meet stringent safety requirements.
  • Sign Online – A few insurance companies will give a small break for buying a policy and signing up on your computer.
  • Discount for Low Mileage – Driving fewer miles can qualify you for discounted prices on garaged vehicles.
  • Discount for Multiple Policies – If you can combine your home and auto policy and insure them with the same company you could save nearly 15% which can help you find the cheapest car insurance.

Just know that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, companies wouldn’t make money that way. But any discount should help lower the premium cost.

Larger insurance coverage companies and a summarized list of policyholder discounts are:

  • State Farm may have discounts that include safe vehicle, good driver, anti-theft, good student, Drive Safe & Save, driver’s education, and multiple policy.
  • Esurance offers discounts for defensive driver, multi-policy, Pac-12 alumni, homeowner, Switch & Save, and paid-in-full.
  • Progressive has discounts for homeowner, online signing, good student, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
  • Liberty Mutual includes discounts for hybrid vehicle, exclusive group savings, new graduate, new vehicle discount, and preferred payment discount.
  • Auto-Owners Insurance may offer discounts for company car, multiple vehicles, safe driver, good student, safe vehicle, and teen driver.
  • GEICO discounts include driver training, multi-vehicle, membership and employees, good student, and military active duty.

If you want the cheapest car insurance quotes, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not be available in your area.

Nissan Maxima insurance costs can be reduced

The best way to find cheaper insurance coverage is to take a look at some of the things that come into play when calculating your premiums. If you understand what influences your rates, this allows you to make educated decisions that may result in lower insurance coverage prices.

The itemized list below are some of the major factors that factor into prices.

  • Lower rates for married couples – Your spouse actually saves money on insurance coverage. Having a significant other demonstrates that you tend to be more mature and insurance companies reward insureds because married couples file fewer claims.
  • Is you job costing you more? – Careers like real estate brokersair traffic controllers and financial analysts generally have higher average rates because of high stress and lots of time spent at work. Other jobs such as actors, students and retirees have lower than average premiums for Maxima insurance.
  • Responsible drivers pay the best prices – Attentive drivers have lower premiums compared to drivers with tickets. Only having one citation may increase your cost substantially. People who have dangerous tickets such as reckless driving or DUI might be required by their state to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.
  • Insurance companies don’t like frequent insurance coverage claims – Car insurance companies award the lowest premiums to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Gender as a rate factor – Statistics show that women are safer drivers than men. Now that doesn’t mean women are better drivers. Females and males get in accidents in similar percentages, but the male of the species have costlier accidents. They also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure and therefore pay the highest rates.
  • Pleasure use or commuting – The higher the miles on your Nissan annually the more you will pay for insurance coverage. Almost all companies rate vehicles based upon how much you drive. Cars and trucks left parked in the garage receive better premium rates than vehicles that have high annual mileage. An improperly rated Maxima may be wasting your money. Double check that your insurance coverage policy correctly shows annual mileage.
  • Add-on coverages can cost a lot – There are a lot of additional coverages that can waste your money if you aren’t diligent. Things like personal injury protection, better glass coverage, and membership fees could be just wasting money. These coverages may sound good when buying your policy, but your needs may have changed so remove them from your policy.
  • Insure your auto and home with one company – Most larger insurance companies will give discounts to policyholders that have more than one policy in the form of a multi-policy discount. Even if you already get this discount, you still need to shop around to help ensure you have the lowest rates.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if hit by an uninsured driver?
  • Are my tools covered if they get stolen from my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if my car is in a flood?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving someone else’s vehicle?
  • Does having multiple vehicles earn me a discount?
  • When would I need additional glass coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Collision coverage

Collision coverage covers damage to your Maxima resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, colliding with a tree, sideswiping another vehicle and hitting a parking meter. 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 raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, damage from getting keyed, theft and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This coverage will cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by 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. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering, structural damage, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like X-ray expenses, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Nissan Maxima.

Since a lot of 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 important protection for you and your family.

Make an honest buck

Cheaper 2004 Nissan Maxima insurance is definitely available online as well as from independent agents, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not have internet price quotes and most of the time these smaller providers only sell coverage through local independent agencies.

We covered a lot of techniques to compare 2004 Nissan Maxima insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest car insurance. Consumers could even find that the biggest savings come from an unexpected company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In many instances, someone dropped comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

To read more, feel free to browse the resources below: