Save on 2013 Nissan Maxima Car Insurance Rates

Consumers have a choice when looking for the lowest priced Nissan Maxima insurance. You can either spend your time driving around to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to find insurance online so you’re going to learn the absolute fastest way to price shop coverage on a Nissan and find the lowest possible price.

If you have a current car insurance policy or need a new policy, you can use these techniques to find better prices and possibly find even better coverage. The purpose of this article is to teach you how to get online quotes and some tricks to saving. Drivers just need to learn how to shop on the web.

Compare Quotes for Car Insurance

There are a variety of methods to compare 2013 Nissan Maxima car insurance prices but one way is less time-consuming than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and at least one company returns a competitive quote based on that data. This system prevents you from having to do repetitive form submissions to each company.

To access this free quoting program, click here to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly which insurance companies to get quotes from. So if you want to choose individual companies to compare, we have a listing of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, compare exactly the same coverages and limits for each comparison quote. If you have different liability limits it’s not possible to determine the lowest rate for your Nissan Maxima.

Insurance coverage ads bend the truth

Drivers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Geico and Progressive. All the ads make the same claim of big savings if you switch your coverage to them.

How can each company say the same thing?

All the different companies can use profiling for the right customer that makes them money. A good example of a driver they prefer could be between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to this ideal profile will be charged higher premiums which usually ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save that kind of money. This is how companies can make those claims. That is why it is so important to get a wide range of price quotes. Because you never know the company that will provide you with the cheapest Nissan Maxima insurance rates.

Verify you’re getting all your discounts

Companies do not list every available discount very well, so we took the time to find some of the more common and the harder-to-find ways to save on auto insurance. If you don’t get every credit you deserve, you are paying more than you should be.

  • Bundle and Save – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Sign Online – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, it doesn’t quite work that way.

Car insurance companies who might offer these benefits include:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not be available everywhere.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.

  • When can my company non-renew my policy?
  • How can I find cheaper teen driver insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the ISO rating for a 2013 Nissan Maxima?
  • Does having multiple vehicles earn me a discount?
  • If I drive on a suspended license am I covered?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Understanding the coverages of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability – This coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like pain and suffering, medical expenses, court costs, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as ambulance fees, nursing services, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your Maxima caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

Budget-conscious 2013 Nissan Maxima insurance is possible from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance coverage companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, policy cancellation and even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance coverage provider can be less work than you think.

You just learned many ways to get a better price on insurance. It’s most important to understand that the more times you quote, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with some of the lesser-known companies.

To read more, feel free to browse these articles: