View 1999 Nissan Maxima Insurance Cost

Tired of being strong-armed to insure your Nissan every month? You are no different than many other drivers.

Insurance companies such as GEICO, Progressive and Allstate constantly bombard you with ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good idea to shop coverage around at least once a year since insurance rates are usually higher with each renewal. If you had the lowest rates on Maxima insurance two years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online, so with this article, you’re going to get some solid techniques on how to stop overpaying for insurance.

The quickest method we recommend to compare rates is to know most of the bigger providers provide online access to compare rate quotes. To begin a comparison, all you need to do is provide details such as coverage limits, if the vehicle is leased, if you have a valid license, and if you require a SR-22. Those rating factors is instantly submitted to insurance carriers in your area and you will get price comparisons instantly.

To find lower rates now, click here and see if a lower rate is available.

Take advantage of discounts

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break when buying insurance coverage on Maxima insurance.
  • Safety Course Discount – Taking part in a defensive driving course could save 5% or more if your company offers it.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off on Maxima insurance depending on your company.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.

Consumers should know that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies that may have some of the above discounts are:

Check with all companies you are considering what discounts are available to you. Savings may not be available in every state.

How to know if you need help

When buying the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Am I covered when driving someone else’s vehicle?
  • Should I have combined single limit or split liability limits?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I still get insurance after a DUI?
  • Should I buy additional glass protection?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Coverage for liability

Liability coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like legal defense fees, court costs and medical expenses. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle and sideswiping another 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.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, EMT expenses, hospital visits and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from getting keyed, vandalism, falling objects and hitting a deer. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred 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. This is the reason having UM/UIM coverage is a good idea.