How Much Does 1999 Nissan Maxima Car Insurance Cost?

Looking for the cheapest insurance coverage rates for your Nissan Maxima? Comparison shopping for insurance coverage is difficult for beginners to comparing rates online. People have so many options available that it can turn into a ton of work to find the best price.

If you currently have car insurance, you will be able to cut costs considerably using this information. The purpose of this post is to instruct you on how car insurance quotes work and some tips to save money. But consumers must learn the way insurance companies price online insurance and use this information to your advantage.

Which Insurance Coverage is Cheapest?

There are a variety of methods to compare 1999 Nissan Maxima insurance coverage prices but there is one way that is less time-consuming than others. You can spend countless hours talking to insurance companies in your area, or you could use online quotes for quick rates.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit one quote, and each company returns a rated price based on the submitted data. This eliminates the need for quote requests to each individual insurance coverage company.

To compare pricing click here to start a free quote.

The only downside to using this type of form is you can’t choose the companies you will receive quotes from. So if you want to select individual companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but compare the exact same coverage limits on every quote you get. If you compare different limits and deductibles on each one then you won’t be able to make an equal comparison. Slightly different coverages may cause a big price difference. And when quoting insurance coverage, remember that more quotes will increase your chances of finding the best rates.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but less common discounts must be asked for before you will receive the discount.

  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
  • Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Paperless Signup – Certain companies will give a small break just for signing your application digitally online.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.

Keep in mind that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you’re out of luck. But any discount will reduce your overall premium however.

A partial list of companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company what discounts are available to you. All car insurance discounts might not apply everywhere.

When should I use an insurance agent?

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • Are my friends covered when driving my 1999 Nissan Maxima?
  • Do I need rental car coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • What can I do if my company denied a claim?
  • How much liability insurance is required?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills such as surgery, X-ray expenses and nursing services. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like rolling your car, sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as loss of income, medical services, pain and suffering, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a deer, a tree branch falling on your vehicle and theft. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Nissan Maxima.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

More choices the merrier

Low-cost 1999 Nissan Maxima insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

In this article, we presented many ideas to reduce insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the best price on insurance is with a lesser-known regional company.

Other information