1997 Nissan Maxima Insurance Cost – 7 Savings Tips

Looking for cheaper car insurance rates for your Nissan Maxima? Finding cheaper insurance for a new or used Nissan Maxima can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy car insurance and we’ll show you the best way to quote coverages for a Nissan and locate the lowest possible price either online or from local insurance agents.

Free car insurance rate quotes

Getting a cheaper price on 1997 Nissan Maxima insurance can be surprisingly simple. You just have to take time to compare free insurance coverage quotes to discover which company has affordable insurance coverage quotes. It is quite easy and can be accomplished in several different ways.

The simplest way to find low rates is to use a rate comparison form like this one (opens in new window). This form keeps you from doing boring form submissions to each individual car insurance company. In just a few minutes this one form gets insurance cost estimates from all major companies. This is by far the quickest method.

A harder way to get comparison quotes consists of going to the website of each company and get a separate price quote. For example, we’ll pretend you want to see prices from Geico, Farmers and Allstate. To do that, you would have to visit each site and enter your information, which is why the first method is quicker.

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

The least efficient and most time consuming method to compare price estimates is making phone calls or going to insurance agents’ offices. The ability to get quotes online eliminates the need for an insurance agent unless you have a need for the personal advice of a local agency. However, consumers can obtain prices from the web but have your policy serviced through an agent.

Whichever way you choose to compare rates, try to use equivalent quote data for every company. If the quotes have differing limits it will be very difficult to make a fair comparison for your Nissan Maxima.

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Do you qualify for discount auto insurance?

Buying auto insurance is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. Some discounts will apply when you purchase, but a few need to be manually applied in order for you to get them.

• Accident Forgiveness Coverage – Not a discount per se, but some companies like Geico and Allstate will forgive one accident before hitting you with a surcharge if you have no claims prior to the accident.
• College Student Discount – Youth drivers who are enrolled in higher education away from home without a vehicle on campus may be insured at a cheaper rate.
• Own a Home and Save – Owning a house can earn you a little savings since home ownership means you have a higher level of financial diligence.
• Good Students Pay Less – Excelling in school may save you up to 25%. The good student discount can last until age 25.
• Senior Citizen Discount – Older drivers may receive a slight reduction on a insurance coverage quote for Maxima coverage.
• Telematics Data – People who choose to allow their company to scrutinize where and when they drive remotely like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
• Use Seat Belts – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.

Consumers should know that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and some of the premium reductions they offer are:

• Progressive has savings for multi-vehicle, good student, online signing, multi-policy, homeowner, and online quote discount.
• SAFECO may have discounts that include teen safety rewards, bundle discounts, multi-car, homeowner, safe driver, and anti-lock brakes.
• American Family offers discounts for good driver, multi-vehicle, defensive driver, air bags, good student, and mySafetyValet.
• MetLife discounts include claim-free, multi-policy, good student, good driver, and defensive driver.
• Geico may offer discounts for emergency military deployment, good student, five-year accident-free, military active duty, seat belt use, and multi-policy.
• The Hartford includes discounts for air bag, anti-theft, bundle, good student, defensive driver, driver training, and vehicle fuel type.

Before you buy a policy, ask each company which discounts can lower your rates. Savings may not apply to policyholders everywhere. If you would like to choose from a list of auto insurance companies with discount auto insurance rates, click here.

What insurance coverages do I need?

When buying the best auto insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine whether or not you could use an agent’s help.

• Are my tools covered if they get stolen from my vehicle?
• Are my friends covered when driving my car?
• Do I pay less for low miles?
• What is UM/UIM insurance?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need to file an SR-22 for a DUI in my state?
• Is my custom paint covered by insurance?
• Can I afford to buy a different vehicle if my 1997 Nissan Maxima is totaled?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance will cover damage that occurs to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as structural damage, emergency aid, medical expenses and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, X-ray expenses, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Nissan Maxima.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

Collision insurance will pay to fix damage to your Maxima from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

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Summing up your insurance search

When getting insurance coverage quotes online, do not sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage only to find out that it was a big mistake. Your aim should be to find the BEST coverage for the lowest cost while still protecting your assets.

The cheapest 1997 Nissan Maxima insurance can be sourced on the web as well as from insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance companies do not offer price quotes online and most of the time these smaller companies provide coverage only through local independent agents.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, delays in responding to claim requests, high prices and policy cancellation. Whatever your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

Additional learning opportunities

• Medical Payments Coverage (Liberty Mutual)
• A Tree Fell on Your Car: Now What? (Allstate)
• Think You’re a Safe Driver? (State Farm)
• Frontal Crash Tests (iihs.org)
• What is Covered by GAP Insurance? (Allstate)

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