1993 Nissan Maxima Insurance Quotes

I can’t think of a single person who likes having to buy car insurance, in particular when the price is too high. Having so many choices of insurance companies, it is hard for the average consumer to locate the best insurance company.

Locating more affordable protection is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maintaining coverages. Consumers only need to know how to get comparison rates online.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Most are applied at the time of purchase, but a few must be requested specifically before they will apply. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Sign Online – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Maxima coverage depending on your company.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.

Consumers should know that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will cut your premiums.

For a list of insurers offering auto insurance discounts, follow this link.

Vehicle Insurance Comparison

Most companies like State Farm, Allstate and Geico provide prices online. The process is quite simple as you simply enter the coverage amounts you desire into the quote form. Behind the scenes, their system obtains credit information and your driving record and returns pricing information based on these and other factors. Quoting online makes comparing rates easy, but the process of having to visit many different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to get many rate quotes in order to get lower prices.

Isn’t there an easier way to compare rates?

A more efficient way to compare insurance pricing requires only one form to get prices from many companies. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. Immediately after you send the form, it is quoted and you can select any of the quotes that you receive.

If you find a better price it’s easy to complete the application and buy the policy. This process can be completed in a matter of minutes and may save quite a bit of money.

To quickly find out how much you can save on insurance, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you duplicate the coverage information exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison using the same coverage and limits.

Nissan Maxima rates influenced by many factors

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If the Nissan Maxima scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse is a quick way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may then be required to file a SR-22 with your state motor vehicle department.
  • Where you live – Choosing to live in a small town can save you money when buying car insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Discounts for multiple policies – Most insurance companies will give a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible.
  • An active claims history can cost you – Auto insurance companies generally give better rates to policyholders who are claim-free. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for larger claims.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you when a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • How’s your driving record? – Your driving record impacts your car insurance rates tremendously. Even a single speeding ticket may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Being married is a good thing – Being married can actually save you money on car insurance. Having a spouse translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.

It’s not one size fits all

When it comes to choosing coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation may require specific advice.

  • If I drive on a suspended license am I covered?
  • Does my car insurance cover rental cars?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I better off with higher deductibles on my 1993 Nissan Maxima?
  • Does my insurance cover a custom paint job?
  • Do I need replacement cost coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Do drivers who switch really save $437 a year?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as State Farm, Allstate and Geico. They all seem to have a common claim of big savings if you move your policy.

How does each company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer they prefer to insure. For example, a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and has great credit. Any new insured that hits that “sweet spot” is entitled to the best price and most likely will save a lot of money.

Drivers who don’t qualify for the requirements will be quoted higher premiums and ends up with the customer not buying. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.

This emphasizes why you should get as many comparisons as possible. You cannot predict the company that will give you the biggest savings on Nissan Maxima insurance.

Car insurance coverages for a Nissan Maxima

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Liability auto insurance – This coverage provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like medical services, funeral expenses, structural damage, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive car insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance covers damage to your Maxima resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, chiropractic care, dental work, nursing services and pain medications. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1993 Nissan Maxima.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

More quotes mean more savings

In this article, we presented some good ideas how you can lower your 1993 Nissan Maxima insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest rates come from some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

When buying insurance coverage, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price.

Cheaper insurance is available online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Additional car insurance information is located at the links below