1992 Nissan Maxima Insurance Cost – 10 Tricks for Cheaper Prices

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for affordable Nissan Maxima insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to find insurance online and we’ll show you the best way to quote coverages for a Nissan and locate the lowest price from both online companies and local agents.

Insurance Quote Comparison

Finding lower insurance rates can be surprisingly simple. All that’s required is to take a couple of minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

One of the best ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do boring form submissions to each individual insurance company. In just a few minutes this one form compares rates from several companies. It’s the fastest way to compare.
A more time consuming way to shop for insurance online is going to the website for each individual company to complete a price quote. For instance, let’s assume you want rates from Progressive, Safeco and State Farm. You would have to spend time on each company’s site to input your insurance information, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least recommended way to compare rates is to waste gas driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you require the trained guidance that only a license agent can provide. Drivers can comparison shop online but still have the advice of a local agent and we’ll touch on that later.

Whichever method you choose, ensure you’re using the exact same information with every price quote. If you have different values for each quote it will be very difficult to find the best deal for your Nissan Maxima.

Discounts can save BIG

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so we break down some of the best known and the harder-to-find insurance coverage savings. If they aren’t giving you every credit available, you are paying more than you should be.

Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Maxima coverage with certain companies.
Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Maxima coverage than drivers with accident claims.
One Accident Forgiven – Some insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
Save over 55 – If you qualify as a senior citizen, you may receive reduced rates for Maxima coverage.
Defensive Driver – Taking a course in driver safety can save you 5% or more depending on where you live.
Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy on their website.
Multiple Vehicles – Insuring multiple vehicles on the same insurance coverage policy could earn a price break for each car.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

Will just any policy work for me?

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

Why am I required to get a high-risk car insurance policy?
Can I still get insurance after a DUI?
Can my teen drive my company car?
Do I really need UM/UIM coverage?
Is rental equipment covered for theft or damage?
When would I need additional glass coverage?
Is my cargo covered for damage or theft?
If my 1992 Nissan Maxima is totaled, can I afford another vehicle?
Are my friends covered when driving my 1992 Nissan Maxima?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage considerations

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Liability auto insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like bail bonds, court costs, medical services, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your Maxima resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, damaging your car on a curb, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for things like dental work, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Nissan Maxima.

Since a lot of 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 is very important.