2014 Nissan Maxima Insurance Quotes

Searching for cheaper car insurance rates for your Nissan Maxima? Nobody I know enjoys paying for car insurance, especially when the cost is too high.

Insurance companies such as Allstate, Progressive and Geico all claim big savings with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

You should take the time to price shop coverage quite often because prices change quite often. Even if you got the best price for Maxima coverage two years ago you can probably find a better price now. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to find better coverage at a better price.

If you have car insurance now, you should be able to reduce your rates substantially using these techniques. Buying car insurance is not that difficult. But car owners should learn the way companies sell online.

Get lower rates on Nissan Maxima insurance

Companies offering auto insurance don’t necessarily list all available discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better insurance rates for Maxima coverage.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Maxima coverage with a few insurance companies.
  • Accident Free – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on your policy for Maxima coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Drivers Education – Have your child enroll in driver’s education in school.

It’s important to understand that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of insurers who offer insurance discounts, click here to view.

Automobile Insurance Quotes

Effectively comparing auto insurance prices is a ton of work if you don’t know the most efficient way. You can waste a lot of time talking to insurance agencies in your area, or you could use online quoting to get the quickest rates.

Many insurance companies take part in a program where prospective buyers send in one quote, and at least one company returns a rated price based on the submitted data. This prevents consumers from doing quote forms for each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to pricing coverage this way is you don’t know exactly which carriers you will receive quotes from. If you wish to select individual companies to request quotes from, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

However you get your quotes, ensure you’re using apples-to-apples coverage limits and deductibles with every price quote. If the quotes have higher or lower deductibles you will not be able to find the best deal for your Nissan Maxima. Just a small difference in coverage limits could mean much higher rates. It’s important to know that quoting more helps you find better pricing.

Nissan Maxima insurance rates can be determined by these details

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Proper usage rating affects rates – The higher the mileage driven every year the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Having the wrong rating on your Maxima can cost quite a bit. Double check that your car insurance declarations sheet properly reflects the correct usage for each vehicle, because it can save money.
  • Special features that cut premiums – Owning a car with an alarm system can save you a little every year. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Older drivers save more – Older drivers are more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers tend to get distracted easily behind the wheel and because of this, their car insurance rates are much higher.
  • Sex matters – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men cause accidents at a similar rate, but men tend to have more serious accidents. Men also have more aggressive citations like reckless driving and DUI.
  • Where you live can impact rates – Residing in small towns and rural areas can save you money when buying car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers tend to have traffic congestion and much longer commute distances. Longer commute distances means higher likelihood of an accident.

Tailor your coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Is my custom paint covered by insurance?
  • When do I need to add a new car to my policy?
  • What discounts do I qualify for?
  • Am I covered if I hit my neighbor’s mailbox?
  • I don’t drive much so do I pay less?
  • Can my teen drive my company car?
  • Does insurance cover damages from a DUI accident?
  • When should my teen driver be added to my policy?
  • What is the minimum liability in my state?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area.

The coverage is in the details

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, rehabilitation expenses, pain medications, doctor visits and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance – This coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means 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.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverages – This pays for damage to your Maxima caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

A fool and his money are soon parted

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

We just covered many ideas to save on 2014 Nissan Maxima insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest premiums are with a smaller regional carrier. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

For more information, link through to the articles below: