Cheaper 2001 Nissan Maxima Insurance Cost

Paying for overpriced Nissan Maxima insurance can eat up your budget and force you to make tough financial choices. Comparing price quotes can help to lower your bills every month.

Insurance companies such as Progressive, Geico and Farmers Insurance continually bombard you with fancy advertisements and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

Slash your insurance rates with discounts

Companies offering auto insurance don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so here is a list a few of the more common and also the lesser-known discounts that may be available. If you do not check that you are getting every discount possible, you could be saving more on your insurance.

• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Sign Early and Save – Some larger companies give discounts for switching companies early. This can save 10% or more.
• Discounts for Multiple Vehicles – Buying coverage for more than one vehicle on one policy can reduce rates for all insured vehicles.
• Low Miles Discount – Maintaining low annual mileage could be rewarded with discounted insurancerates on garaged vehicles.
• Bundled Policy Discount – If you can bundle your home and auto insurance with one company you could save up to 20% and get you cheaper insurance.
• Life Insurance Discount – If the company offers life insurance, you could get lower rates if you buy a life insurance policy as well.
• Distant College Student Discount – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Buy New and Save – Buying a new car model may earn a small discount since new vehicles have better safety ratings.

Consumers should know that most discounts do not apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic.

To find insurance companies that offer discounts, click here.

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How to compare free insurance coverage rate quotes

There are multiple methods to compare insurance coverage prices but some are easier and takes less work. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use the internet to achieve your goal.

Most of the larger companies belong to a marketplace where prospective buyers send in one quote, and each participating company can provide price quotes based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for.

To find out what other companies charge click here (opens in new window).

The only downside to using this type of form is you cannot specify which providers you want to price. So if you prefer to pick specific insurance companies to compare rates, we put together a list of insurance coverage companies in your area. Click to view list.

Take whichever approach you prefer, but make sure you compare nearly identical coverage limits and deductibles for each quote you get. If you compare different liability limits it will be next to impossible to make an equal comparison. Even a minor difference in insurance coverages can result in a big premium difference. And when quoting insurance coverage, remember that comparing more company’s prices helps locate a lower rate. Some smaller insurers to not give online price quotes, so it’s recommended that you also compare price quotes from those companies as well.

You are unique and your car insurance should be too

When buying the best car insurance coverage, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you could use an agent’s help.

• Is upholstery damage covered by car insurance?
• Does my policy pay for OEM or aftermarket parts?
• What is the minimum liability in my state?
• Does my personal policy cover me when driving out-of-state?
• Am I insured when driving a different vehicle?
• What discounts do I qualify for?
• What is UM/UIM insurance?
• Is my cargo covered for damage or theft?
• Does my 2001 Nissan Maxima need full coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Nissan Maxima.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability

This coverage can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Collision coverage

This coverage pays for damage to your Maxima caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like rolling your car, hitting a mailbox, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for X-ray expenses, ambulance fees, prosthetic devices and chiropractic care. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, hitting a bird, theft, a tree branch falling on your vehicle and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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Best coverage at the best price

A few companies don’t offer rates over the internet and usually these small, regional companies prefer to sell through independent insurance agencies. Lower-priced 2001 Nissan Maxima insurance is available from both online companies in addition to local insurance agencies, so you should compare both to have the best rate selection.

When shopping online for auto insurance, do not buy poor coverage just to save money. In many cases, someone dropped collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Helpful learning opportunities

• Tread Depth and Tire Safety (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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