Compare 2018 Nissan Maxima Insurance Cost

Shoppers have a choice when shopping for affordable Nissan Maxima insurance. You can either waste hours contacting agents to compare prices or use the internet to find the lowest rates.

There are more efficient ways to buy insurance and we’ll show you the quickest way to quote coverages for your Nissan and find the cheapest rates from both online companies and local agents.

It is always a good idea to compare prices quite often because prices change frequently. Just because you found the lowest rate for Maxima coverage on your last policy there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

How to buy insurance coverage

There are several ways you can shop for insurance coverage but one way is more efficient than others. You could waste a few hours talking about coverages with insurance companies in your area, or you could use online quoting to get pricing more quickly.

Most of the larger companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company returns a rated price. This saves time by eliminating quote forms to every company.

To use this form to compare rates click here to start a free quote.

The only downside to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to choose specific providers to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use nearly identical coverages and limits for each price quote. If you are comparing mixed coverages it will be nearly impossible to decipher which rate is best.

Cheaper rates with discounts

Car insurance is not an enjoyable expense, but you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be inquired about before you will receive the discount.

  • Telematics Discount – Drivers who agree to allow driving data submission to analyze driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
  • Early Signing – A few insurance companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
  • Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates for Maxima coverage than less cautious drivers.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
  • Driver Safety – Taking a defensive driver class may get you a small discount if your company offers it.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with the same insurance company you may save at least 10% off all policies.

One last thing about discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.

Larger car insurance companies and a partial list of their discounts are detailed below.

  • Progressive may offer discounts for multi-policy, continuous coverage, multi-vehicle, good student, and online quote discount.
  • Farmers Insurance has discounts for business and professional, distant student, good student, early shopping, mature driver, and pay in full.
  • Farm Bureau discounts include 55 and retired, multi-policy, multi-vehicle, good student, renewal discount, and youthful driver.
  • State Farm has savings for accident-free, Steer Clear safe driver discount, multiple policy, passive restraint, defensive driving training, and multiple autos.
  • GEICO offers premium reductions for air bags, anti-lock brakes, federal employee, daytime running lights, driver training, good student, and seat belt use.
  • SAFECO may have discounts that include bundle discounts, drive less, multi-car, teen safe driver, accident prevention training, safe driver, and homeowner.
  • Liberty Mutual offers discounts including newly retired, exclusive group savings, safety features, good student, newly married, preferred payment discount, and multi-policy.

If you need inexpensive insurance coverage quotes, ask all the companies the best way to save money. Depending on the company, some discounts may not apply to policies in your state.

What is the best car insurance coverage?

When it comes to buying the best car insurance coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • Should I carry comprehensive and collision coverage?
  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Should I rate my 2018 Nissan Maxima as pleasure use or commute?
  • Is my 2018 Nissan Maxima covered for flood damage?
  • What happens if I owe more than my 2018 Nissan Maxima is worth?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance cost influencing factors

Multiple criteria are used in the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure like your vehicle usage or how safe your car is.

  • Obey driving laws and save – Careful drivers tend to pay less for car insurance than bad drivers. Having a single speeding ticket may increase your cost to the point where it’s not affordable. Drivers unfortunate enough to have severe citations like DUI or willful reckless driving may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to legally drive.
  • Advanced alarm systems – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your car from being stolen.
  • Getting married can lower prices – Being married may cut your premiums when shopping for insurance coverage. Having a significant other usually means you are more stable financially and it’s statistically proven that married couples file fewer claims.
  • Does insurance coverage cost more for men? – The statistics show women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. They both are responsible for auto accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers cause the most accidents and therefore pay the highest rates.

Ads can be misleading

Consumers can’t escape the ads that claim the best prices by State Farm and Allstate. All the companies make the point that drivers can save some big amount if you get a free insurance coverage quote and switch to them.

How can each company sell you cheaper insurance coverage? Here is the trick they use.

Insurance providers quote their best rates for a prospective insured that earns them the highest profit. For example, this type of risk profile might be a female over age 40, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications receive the lowest rate quotes as well as save a lot if they switch.

Potential insureds who don’t measure up to the “perfect” profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can make it sound like they have such great rates.

This emphasizes why it is so important to compare quotes as often as possible. It’s not possible to predict the company that will provide the lowest prices.

Insurance coverages explained

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, theft, falling objects and a broken windshield. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses for things like nursing services, pain medications, EMT expenses, prosthetic devices and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Maxima caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

The bottom line

Consumers change insurance companies for a variety of reasons including high prices, not issuing a premium refund, delays in responding to claim requests and high rates after DUI convictions. Whatever your reason, finding a great new company can be pretty painless.

In this article, we covered many tips how you can lower your 2018 Nissan Maxima insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable insurance coverage. Drivers may discover the lowest rates are with an unexpected company.

While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

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