How Much Does 1998 Nissan Maxima Insurance Cost?

Searching for the cheapest auto insurance rates for your Nissan Maxima? Saving money on auto insurance is always challenging for people who are new to comparison shopping online. Consumers have so many options that it can be a challenge to locate the lowest price.

It is always a good idea to shop coverage around periodically because insurance rates go up and down regularly. Just because you had the best rates on Maxima coverage six months ago you may be paying too much now. So block out anything you think you know about auto insurance because you’re about to learn one of the quickest ways to remove unneeded coverages and save money.

How to Lower Your Auto Insurance Cost

All the larger auto insurance companies such as 21st Century, Allstate and State Farm quote coverage price quotes on their websites. Obtaining pricing is fairly simple as you simply type in the coverage amounts you desire into a form. After you complete the form, the system obtains your driving record and credit report and returns a price determined by many factors.

This makes comparing rates easy, but having to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to get lower prices.

A more efficient way to lower your auto insurance bill makes use of a single form to return rates from a bunch of companies at once. The form is fast, eliminates form submissions, and makes price shopping online much easier. After sending the form, your coverage is rated and you are able to buy any of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

To compare pricing, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. This ensures you will be getting rate comparison quotes for exact coverage.

You probably qualify for some discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but a few must be asked about prior to receiving the credit.

  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Homeowners Discount – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home requires personal responsibility.
  • Senior Discount – Older drivers may be able to get a discount up to 10% on Maxima coverage.

Drivers should understand that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down the cost of coverage.

To see a list of providers offering insurance coverage discounts, click here.

Nissan Maxima rate determination is complex

Consumers need to have an understanding of the different types of things that come into play when calculating car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that could result in better car insurance rates.

The list below includes some of the factors car insurance companies consider when setting premiums.

  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Jobs such as real estate brokers, architects and accountants are shown to have higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, professions such as pilots, athletes and homemakers pay the least on Maxima coverage.
  • Your age impacts your rates – Young drivers are known to get distracted easily behind the wheel so they pay higher car insurance rates. Parents adding a teen driver onto your car insurance can really hurt. Older drivers are more responsible, tend to cause fewer accidents and are safer drivers.
  • Your car’s features help determine rates – Owning a car with an alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.
  • Lower miles equals lower premium – The more miles you rack up on your Nissan in a year’s time the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy properly reflects how each vehicle is driven. Incorrect usage on your Maxima can result in significantly higher rates.
  • Careful drivers pay lower rates – A bad driving record has a huge affect on how much you pay. Even one speeding ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Discounts for married couples – Getting married actually saves money on your car insurance policy. Having a spouse is viewed as being more responsible it has been statistically shown that drivers who are married are more cautious.

There’s no such thing as the perfect policy

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

  • How much liability insurance is required?
  • Should I buy additional glass protection?
  • Does having multiple vehicles earn me a discount?
  • Why do I need rental car insurance?
  • When can my company non-renew my policy?
  • Is there coverage for injuries to my pets?
  • Are my friends covered when driving my car?
  • What is PIP insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance policy specifics

Learning about specific coverages of car insurance helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Nissan Maxima.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage

This will pay to fix 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 damage from a tornado or hurricane, damage from getting keyed, damage from flooding, hitting a deer and hitting a bird. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like chiropractic care, ambulance fees and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Maxima resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, hitting a mailbox, backing into a parked car, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability insurance

This will cover damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover 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 means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like emergency aid, loss of income, attorney fees, structural damage and medical expenses. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Do the work, save more money

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, poor customer service, not issuing a premium refund or denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

We just showed you some good ideas how you can compare 1998 Nissan Maxima insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with the smaller companies.

Cost effective insurance is attainable on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Much more information about car insurance is available at the links below