Lower Your 2008 Nissan Maxima Insurance Rates

Nobody I know enjoys paying for insurance coverage, in particular when the cost is way too high. You have so many insurers to choose from, and even though it’s nice to have a choice, having more auto insurance companies makes it harder to locate the cheapest rates.

You need to compare rates once or twice a year because insurance rates are constantly changing. Even if you think you had the best deal for Maxima insurance a year ago you can probably find a better price now. Starting now, forget all the misinformation about insurance coverage because I’m going to teach you the best way to properly buy coverages and cut your premium.

These factors can influence what you pay for Nissan Maxima insurance

It’s important that you understand some of the elements that help determine insurance coverage rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Liability coverage is cheap – Your policy’s liability coverage is the protection in the event that you are found liable for damages caused by your negligence. It will provide for a legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Your spouse saves you money – Having a spouse can actually save you money on insurance coverage. Marriage means you’re more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Better credit scores mean better rates – Credit score is a important factor in your rate calculation. So if your credit is lower than you’d like, you could pay less to insure your 2008 Nissan Maxima by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Your car’s features help determine rates – Owning a car with an alarm system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Rate your vehicle for proper use – The more you drive in a year’s time the higher your rate. The majority of insurers rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your insurance coverage policy shows the correct driver usage. If your policy improperly rates your Maxima may be costing you.
  • What are your deductibles? – The deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered would be running into the backend of another car, collision with an animal, or theft. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Maxima insurance.
  • Never let your coverage lapse – Letting your insurance expire is a fast way to bump up your insurance coverage costs. And not only will insurance be more expensive, getting caught without coverage can result in a revoked license or a big fine.You may need to file a SR-22 with your state department of motor vehicles.
  • Tickets mean higher rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

More discounts equal less premium

Companies don’t necessarily list every available discount very clearly, so we break down some of the more common and the harder-to-find savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last up to age 25.
  • Senior Discount – Older drivers may be able to get better car insurance rates for Maxima insurance.
  • Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Low Mileage – Keeping the miles down on your Nissan could qualify for better rates on cars that stay parked.
  • College Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when buying car insurance for Maxima insurance.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Companies who might offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not be offered in every state.

It’s not one size fits all

When buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What can I do if my company won’t pay a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • When can I cancel my policy?
  • Is my trailer covered?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance policy coverages for a 2008 Nissan Maxima

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by car insurance companies.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims like pain and suffering, legal defense fees, medical services, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision protection

This coverage covers damage to your Maxima caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from a tornado or hurricane, a broken windshield, falling objects and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like nursing services, hospital visits, prosthetic devices and surgery. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

You just learned quite a bit of information on how to save on 2008 Nissan Maxima insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a lesser-known regional company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Discount insurance can be purchased online in addition to many insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

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