1997 Nissan Maxima Car Insurance Quotes – 7 Tips for Cheapest Rates

Searching for the cheapest insurance rates? Consumers have a choice when looking for low-cost Nissan Maxima insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to find the lowest rates. There is a right way and a wrong way to buy insurance so you’re going to learn the best way to price shop coverage for your Nissan and find the lowest possible price.

Smart consumers take time to get comparison quotes occasionally since rates go up and down regularly. If you had the lowest rates for Maxima coverage six months ago you can probably find a lower rate today. So forget anything you know (or think you know) about insurance because it’s time to teach you one of the best ways to save money, get proper coverage and the best rates.

If you have insurance now or are shopping for new coverage, you can use these tips to cut your premiums and possibly find even better coverage. This article will tell you how to effectively get price quotes and some tricks to saving. Drivers only need an understanding of the proper way to compare company rates online.

Discounts mean cheaper Nissan Maxima insurance rates

Auto insurance companies don’t list every discount very well, so here is a list both the well known and the harder-to-find savings tricks you should be using. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Maxima coverage with certain companies.
  • One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.

It’s important to understand that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

For a list of companies with discount insurance rates, click here.

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

Consumers constantly see and hear ads that promise big savings by companies like Allstate and Progressive. All the companies make an identical promise about savings if you move to them.

But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that makes them money. For example, a preferred risk might be profiled as over the age of 50, owns a home, and has a high credit rating. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential insureds who are not a match for the requirements will have to pay a more expensive rate and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can state the savings. Because of the profiling, you need to compare as many rates as you can. You cannot predict the company that will provide you with the cheapest Nissan Maxima insurance rates.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Am I covered if I hit a deer?
  • Does my policy pay for OEM or aftermarket parts?
  • When should I drop full coverage on my 1997 Nissan Maxima?
  • Are my friends covered when driving my 1997 Nissan Maxima?
  • Which companies will insure high-risk drivers?
  • When does my teenage driver need to be added to my policy?
  • How high should my medical payments coverage be?
  • How do I insure my teen driver?
  • Does having multiple vehicles earn me a discount?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages and their meanings

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like chiropractic care, funeral costs, nursing services, pain medications and ambulance fees. They can be utilized in addition to 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 and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverages

This coverage can cover damage or injury you incur to other people or property. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like medical services, funeral expenses, emergency aid, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, hail damage, hitting a deer and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage pays for damage to your Maxima caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, hitting a mailbox, crashing into a building and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Maxima.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A little work can save a LOT of money

As you prepare to switch companies, you should never reduce needed coverages to save money. In many instances, an insured dropped liability coverage limits only to regret that the small savings ended up costing them much more. Your goal should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Consumers change insurance companies for a variety of reasons including high prices, poor customer service, questionable increases in premium and lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company is easier than you think.

We covered some good ideas how you can save on 1997 Nissan Maxima insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from an unexpected company.

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