Want better insurance coverage rates for your Nissan Maxima? Being forced to pay for overpriced insurance coverage premiums can consume your checking account and make it hard to pay other bills.
Companies like Allstate and Progressive persitently shower you with advertising and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.
There are a lot of ways to shop for auto insurance, but there is one way that is more efficient than others. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize online quotes to get rates in a matter of minutes.
Many of the larger companies belong to an insurance system that enables customers to complete one form, and every company can give them a price based on that information. This system prevents you from having to do quotation requests to each company. To get comparison pricing now click here to open in new window.
One minor caviat to getting quotes like this is that consumers can’t choose which companies you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.
Whichever way you choose to compare rates, make sure you are using exactly the same quote data on every quote you get. If you are comparing different deductibles it will be impossible to determine the best price for your Nissan Maxima. Even a minor difference in limits may result in a large different in cost. Keep in mind that having more price comparisons will improve the odds of getting the best rates.
Big name companies like Allstate and Progressive endlessly run ads in print and on television. All the companies make an identical promise that you can save if you just switch your policy. How does every company say the same thing? It’s all in the words they use.
All the different companies quote their best rates for the type of driver that will add to their bottom line. An example of a profitable insured might be described as over the age of 35, has never had a claim, and the vehicle is rated for pleasure use. Someone who fits that profile will get a cheap rate quote and will probably save money with a new company.
Insureds who do not match these criteria may be required to pay higher premiums which usually ends up with the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save money. That’s the way insurance companies can confidently make claims that they all have the best prices. Different companies use different criteria so you should get a wide range of price quotes. It’s just too difficult to predict which company will be your best fit.
Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that can help lower your rates. Certain discounts will be applied when you quote, but less common discounts must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you could be getting lower rates.
As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like you could get a free car insurance policy, car insurance companies aren’t that generous. But any discount will help reduce the cost of your policy.
Some of the insurance companies that may offer these money-saving discounts include:
When getting free car insurance quotes, it’s a good idea to each company what discounts are available to you. Some discounts may not apply in every state. If you would like to choose from a list of providers with the best car insurance discounts, click this link.
When buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if you may require specific advice.
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Learning about specific coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.
This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as fire damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Collision coverage protection
Collision coverage covers damage to your Maxima resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and crashing into a ditch. 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 save money on collision insurance.
This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability can pay for things like pain and suffering, funeral expenses, loss of income and court costs. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like X-ray expenses, nursing services and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Nissan Maxima.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible for the lowest price.
Cheaper car insurance is possible on the web as well as from insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some car insurance companies may not offer internet price quotes and these regional insurance providers work with local independent agencies.
Even more information is available by following these links: