2007 Nissan Maxima Insurance Rates – 8 Tips for Cheaper Quotes

Searching for the cheapest car insurance rates for your Nissan Maxima? Finding cheap rates for Driverscar insurance can be challenging for drivers who have little experience buying insurance online. Drivers have so many choices that it can quickly become a big hassle to locate the lowest rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Locating the lowest cost auto insurance coverage is easy if you know what you’re doing. But vehicle owners do need to know how the larger insurance companies price online insurance and take advantage of how the system works.

Get lower-cost car insurance with discounts

Companies don’t always list every disount available very clearly, so here is a list a few of the more well known and also the lesser-known credits available to you.

• Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Service Members Pay Less – Being deployed in the military could qualify you for better rates.
• Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
• Safe Drivers – Insureds without accidents can pay as much as 50% less for Maxima insurance as compared to drivers with claims.
• Defensive Driver Discount – Participating in a safe driver course could save 5% or more and easily pay for the cost of the class.
• Braking Control Discount – Cars that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
• No Claim Discounts – Drivers with accident-free driving histories pay less compared to accident-prone drivers.
• Distant Student Discount – who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

Some of the insurance companies that have these discounts are:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When quoting, ask every prospective company which discounts you may be entitled to. A few discounts might not be offered on policies in your area.

Tailor your insurance coverage to you

When it comes to choosing coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if your situation could use an agent’s help.

• If my 2007 Nissan Maxima is totaled, can I afford another vehicle?
• When can I cancel my policy?
• How high should my uninsured/underinsured coverage be in my state?
• Does coverage extend to my business vehicle?
• Why am I required to get a high-risk car insurance policy?
• Should I rate my 2007 Nissan Maxima as pleasure use or commute?
• Am I covered when driving on a suspended license?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

Specific coverages for a Nissan Maxima

Learning about specific coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

Collision insurance will pay to fix damage to your Maxima resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, crashing into a building, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Auto liability

This coverage provides protection from damage that occurs to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid, attorney fees, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, a broken windshield, hitting a deer, falling objects and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Maxima.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for doctor visits, surgery, nursing services and hospital visits. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Make an honest buck

A few companies may not have rate quotes online and many times these smaller providers sell through independent agents. Low-cost 2007 Nissan Maxima insurance can be found online and from local insurance agents, so compare prices from both so you have a total pricing picture.

Drivers leave their current company for a variety of reasons including not issuing a premium refund, policy cancellation, policy non-renewal or even being labeled a high risk driver. Regardless of your reason, finding a new company can be pretty painless.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

Even more information is located in these articles:

• Rollover Crash FAQ (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Safe Vehicles for Teens (iihs.org)