2006 Nissan Maxima Car Insurance Rates

Want cheaper insurance rates for your Nissan Maxima? Trying to find cheaper insurance for a Nissan Maxima can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to find insurance online and you need to know the proper way to quote coverages for your Nissan and obtain the best price possible either online or from local insurance agents.

It’s smart to shop coverage around occasionally because prices change regularly. Just because you found the lowest rates on Maxima coverage last year there is a good chance you can find better rates now. Starting now, block out anything you think you know about insurance because we’re going to show you the tricks you need to know to reduce your cost while increasing coverage.

Finding Insurance Deals

Most major insurance companies like 21st Century, Allstate and State Farm quote coverage prices directly from their websites. This process is fairly simple as you simply enter the coverages you want into a form. After you complete the form, the company’s rating system makes automated requests for your credit score and driving record and provides a quote based on many factors.

Online price quotes streamlines rate comparisons, but the time required to go to different websites and complete many quote forms gets old quite quickly. But it’s very important to perform this step in order to get a better rate.

There is an easier way!

A more efficient way to compare insurance pricing is to use a quote form that analyzes rates from multiple companies. It’s a real time-saver, reduces the work, and makes comparison shopping much more efficient. After sending your information, your coverage is rated with multiple companies and you can pick any of the quote results.

If you find a better price it’s easy to complete the application and buy the policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

If you want to compare pricing, click here to open in new window and enter your information. To compare your current rates, we recommend you replicate deductibles and limits as shown on your current policy. This guarantees you’re receiving a rate comparison using the same coverage and limits.

More discounts equal less premium

The cost of insuring your cars can be expensive, but you can get discounts to reduce the price significantly. Some trigger automatically when you complete an application, but less common discounts must be asked for before they will apply. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Government Employees – Simply working for the federal government can save as much as 8% on Maxima coverage depending on your company.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more on Maxima coverage than less cautious drivers.
  • Homeowners Discount – Owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Low Mileage Discounts – Fewer annual miles on your Nissan can earn discounted rates on garaged vehicles.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Claim Free – Claim-free drivers pay less when compared to bad drivers.

It’s important to note that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium however.

For a list of insurers offering insurance discounts, click here.

It’s not one size fits all

When it comes to choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I pay less for low miles?
  • What is an SR-22 filing?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Do I really need UM/UIM coverage?
  • Am I covered if I wreck a rental car?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Nissan Maxima premiums are determined by many factors

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

  • Never allow your policy to lapse – Allowing your coverage to lapse will be a quick way to increase your insurance coverage rates. And not only will your rates increase, failure to provide proof of insurance might get you a steep fine or even jail time.
  • What are your deductibles? – Your deductibles represent how much money you are willing to pay out-of-pocket before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims would be colliding with a building, damage from fire, or theft. The more money you have to pay, the less your insurance coverage will be on Maxima coverage.
  • Poor driving leads to higher costs – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Just one ticket can bump up the cost twenty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Extra coverages can waste money – There are a ton of extra bells and whistles that you can buy on your insurance coverage policy. Insurance for vanishing deductibles, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Nissan Maxima has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Credit scores impact insurance coverage rates – Credit history is a big factor in your rate calculation. If your credit rating is not that good, you could be paying less to insure your 2006 Nissan Maxima by spending a little time repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like doctors, social workers and financial analysts tend to pay higher average rates due to high stress and lots of time spent at work. Conversely, occupations like scientists, engineers and performers have the lowest average rates on Maxima coverage.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection if you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.

Do drivers who switch really save $381 a year?

Consumers can’t ignore all the ads for car insurance savings by companies like 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big if you change to them.

How can each company make almost identical claims?

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a driver they prefer could be a mature driver, insures multiple vehicles, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and therefore will pay quite a bit less when switching companies.

Drivers who do not match this ideal profile must pay higher rates which usually ends up with the customer not buying. The ads state “customers that switch” not “everybody who quotes” save money. That’s the way companies can claim big savings.

This illustrates why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which company will give you the biggest savings on Nissan Maxima insurance.

Specific coverages for a Nissan Maxima

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage pays for damage to your Maxima resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” 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.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Liability coverage – Liability coverage will cover injuries or damage you cause to other people or property. It protects YOU against claims from other people, and does not provide coverage for 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 policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, legal defense fees, structural damage, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills like chiropractic care, pain medications and funeral costs. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage will pay to fix 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 such as hail damage, fire damage, hitting a bird and damage from flooding. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

In Summary

We just showed you a lot of techniques to get a better price on 2006 Nissan Maxima insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from some of the lesser-known companies.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. In many cases, drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

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