Cheap 1996 Nissan Maxima Car Insurance Quotes

Want cheaper insurance coverage rates for your Nissan Maxima? If online insurance coverage comparisons are new to you, you can be overwhelmed due to the large number of insurance coverage companies vying for business.

The quickest method to compare policy rates is to realize auto insurance companies participate in a system to provide you with free rate quotes. All consumers are required to do is take a few minutes to give details like your education level, how your vehicles are used, driver ages, and if you’re married. Your insurance information gets sent immediately to multiple insurance coverage providers and they provide comparison quotes instantly.

Do you qualify for discounts?

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. Most are applied at the time of quoting, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Accident Forgiveness – Some insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It can save you around 10%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not apply in your state.

Parts of the Nissan Maxima rate equation

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for insurance coverage. Understanding what determines base rates allows you to make educated decisions that will entitle you to lower insurance coverage prices.

Shown below are some of the factors companies use to determine prices.

  • High crash test scores lower rates – Safer cars can get you lower premiums. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Nissan Maxima earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Marriage brings a discount – Being married actually saves money on your policy. Having a significant other usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
  • The more you drive the more you pay – The more miles you rack up on your Nissan every year the higher your rates will be. Most companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. If your policy improperly rates your Maxima can cost quite a bit. Make sure your insurance coverage policy shows how each vehicle is driven.
  • Males pay more for insurance – The statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Both sexes cause accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.

Don’t assume everyone needs the same coverage

When it comes to buying coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you might need an agent’s assistance.

  • What happens if I owe more than my 1996 Nissan Maxima is worth?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does car insurance cover theft of personal property?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need more liability coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if my car is in a flood?
  • What is medical payments coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance policy coverages for a 1996 Nissan Maxima

Learning about specific coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision – This coverage will pay to fix damage to your Maxima from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, crashing into a building, colliding with another moving vehicle, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability – Liability coverage provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, pain and suffering, attorney fees, court costs and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive car insurance – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Maxima.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, hospital visits, nursing services, prosthetic devices and chiropractic care. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Cheaper insurance is a realistic goal

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer or even lack of trust in their agent. It doesn’t matter what your reason, finding the right insurance coverage provider can be pretty painless.

As you restructure your insurance plan, never reduce needed coverages to save money. There are a lot of situations where an insured cut full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced 1996 Nissan Maxima insurance can be found on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Additional insurance coverage information can be found on the following sites: