Cheaper 2016 Nissan Maxima Insurance Cost

Trying to find better car insurance rates for your Nissan Maxima? Having to pay for overpriced car insurance can overdraw your savings account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to tighten up your finances.

Drivers have multiple auto insurance companies to buy insurance from, and even though it’s nice to be able to choose, lots of choices makes it harder to compare company pricing.

You should take the time to do rate comparisons every six months because insurance rates trend upward over time. Just because you found the best price on Maxima insurance six months ago you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because you’re about to learn the tricks you need to know to reduce your cost while increasing coverage.

Nissan Maxima insurance rates can be determined by these details

Smart consumers have a good feel for the factors that help determine your auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Tickets mean higher rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket can bump up the cost by twenty percent. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers with serious tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to continue driving.
  • Rates may be lower depending on your job – Careers like real estate brokers, 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 retirees have the lowest average rates on Maxima insurance.
  • Being married is a good thing – Getting married helps lower the price on your auto insurance policy. Marriage is viewed as being more mature and statistics show married couples file fewer claims.
  • Safe vehicles cost less to insure – Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Nissan Maxima has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Are you male or female? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women cause accidents at a similar rate, but the men cause more damage. Men also statistically have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and are penalized with high auto insurance rates.
  • How your age affects price – Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teen drivers are statistically proven to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.
  • Multi-policy discounts can save money – Some auto insurance companies provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to comparison shop to verify if the discount is saving money.

Cheap Insurance Coverage Comparisons

When shopping for insurance coverage there are multiple ways to compare rate quotes from local insurance coverage companies. The fastest way to compare 2016 Nissan Maxima insurance prices is simply to get online rate quotes. This is very easy and can be done in several different ways.

The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing separate quote forms to each individual insurance coverage company. Completing one form gets you coverage quotes from insurance coverage companies with the best prices.

A different way to shop for insurance coverage online is to take the time to go to each company website and complete a new quote form. For example, let’s say you want to compare Auto-Owners, Geico and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but ensure you are comparing identical information on every quote you get. If you are comparing higher or lower deductibles then you won’t be able to make an equal comparison. Slightly different limits may cause a big price difference. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best price.

Are you getting all your discounts?

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on insurance coverage.

  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Save over 55 – Mature drivers can possibly qualify for a discount up to 10% on Maxima insurance.
  • Student in College – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver – Some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Memberships – Belonging to a civic or occupational organization could trigger savings on your policy on Maxima insurance.

Keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way.

To see a list of companies with discount insurance coverage rates, click here to view.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Who is covered by my policy?
  • Am I covered when using my vehicle for business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance specifics

Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by insurance companies.

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

Collision insurance covers claims like sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hitting a deer, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance – This will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, bail bonds and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as pain medications, ambulance fees, chiropractic care and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Maxima.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Get your money’s worth

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just presented a lot of techniques to shop for 2016 Nissan Maxima insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Much more information about insurance coverage can be read on the following sites: