2003 Nissan Maxima Insurance Quotes – 6 Savings Tips

Scraping up a payment for overpriced Nissan Maxima insurance can take a big chunk out of your personal savings, especially in this economy. Shopping your coverage around is a smart way to slash your bill and have more diposable income. Online insurance companies like Geico, 21st Century and Progressive all claim big savings with catchy ads and consumers find it hard to see through the deception and take the time to shop coverage around.

It is always a good idea to take a look at other company’s rates on a regular basis because rates are usually higher with each renewal. Even if you got the best deal on Maxima insurance two years ago you may be paying too much now. So forget all the misinformation about insurance coverage because it’s time to teach you the tricks you need to know to properly buy coverages and cut your premium.

Low Cost Auto Insurance

There are a variety of methods you can shop for 2003 Nissan Maxima auto insurance but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to achieve your goal.

Many popular insurance companies belong to an insurance system that allows shoppers to send in one quote, and every company then returns a price quote based on the submitted data. This prevents consumers from doing form submissions for each company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to getting quotes like this is you are unable to specify which carriers you want pricing from. So if you prefer to pick specific providers to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare the exact same coverage limits for each price quote. If you have different limits and deductibles on each one you can’t possibly make a fair comparison for your Nissan Maxima.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads that promise big savings from companies such as Allstate, Geico and Progressive. They all seem to make the same claim about savings if you move your policy.

How does each company claim to save you money?

Insurance companies are able to cherry pick for the driver that makes them money. For instance, a preferred risk might be over the age of 40, insures multiple vehicles, and drives newer vehicles. A customer who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t measure up to this ideal profile will have to pay higher prices and ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save that kind of money. This is how insurance companies can state the savings. Because of the profiling, it’s extremely important to compare as many rates as you can. It’s impossible to know the company that will give you the biggest savings on Nissan Maxima insurance.

How to reduce 2003 Nissan Maxima insurance rates

Companies that sell car insurance don’t always publicize all their discounts very clearly, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Passive Restraints – Factory air bags or motorized seat belts can get savings up to 30%.
  • Paperless Signup – A few companies will give a small break for buying your policy on their website.
  • Club Memberships – Participating in certain professional organizations could trigger savings on insurance on Maxima insurance.
  • Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.

Consumers should know that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, insurance companies aren’t that generous.

For a list of companies offering insurance discounts, click here to view.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • How do I insure my teen driver?
  • Is my 2003 Nissan Maxima covered for flood damage?
  • What can I do if my company denied a claim?
  • Will filing a claim cost me more?
  • Is business equipment covered while in my vehicle?
  • I have a DUI can I still get coverage?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage, hitting a deer, vandalism and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This provides protection from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as structural damage, attorney fees and medical services. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision protection

Collision insurance pays for damage to your Maxima resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2003 Nissan Maxima.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

And the best car insurance company is…

When shopping online for insurance, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage only to find out that the small savings ended up costing them much more. The aim is to buy enough coverage at the best price.

Budget-conscious 2003 Nissan Maxima insurance is possible both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not provide online quoting and these smaller companies work with independent agents.

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