Cheap 2006 Nissan Maxima Insurance Quotes

Looking for the cheapest insurance coverage rates for your Nissan Maxima? Have you had enough of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other consumers.

Having so many different company options, it’s nearly impossible to choose the cheapest car insurance company.

You should make it a habit to get comparison quotes once or twice a year since rates are adjusted regularly by insurance companies. Just because you had the lowest price on Maxima insurance six months ago a different company probably has better rates today. So forget all the misinformation about insurance coverage because it’s time to teach you the quickest way to lower your annual insurance bill.

Why your Nissan Maxima insurance rates may be high

An important part of buying insurance is that you know the different types of things that help determine insurance coverage rates. Knowing what determines base rates allows you to make educated decisions that could result in lower insurance coverage prices.

The following are a partial list of the pieces companies use to determine premiums.

  • Theft deterrents lower rates – Owning a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • Do you need the policy add-ons? – There are many extra bells and whistles that you can buy on your insurance coverage policy. Coverages for rental car reimbursement, towing coverage and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
  • Your age impacts your rates – Mature drivers are more responsible, file fewer claims and receive fewer citations. Youthful drivers are known to be more careless in a vehicle and because of this, their insurance coverage rates are much higher.
  • Choose a safe vehicle and save – Safer cars get lower rates. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If the Nissan Maxima scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Sex matters – Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women are in accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
  • Too many insurance coverage claims drive up costs – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Insurance companies provide cheaper rates to people who are claim-free. Car insurance is intended for larger claims.

Discounts mean cheaper Nissan Maxima insurance rates

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Most are applied when you get a quote, but less common discounts must be requested specifically before you will receive the discount.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Senior Citizens – Mature drivers may be able to get reduced rates on Maxima insurance.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Maxima insurance than less cautious drivers.

It’s important to note that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will bring down your premiums.

Car insurance companies who might offer some of the above discounts may include but are not limited to:

Check with every prospective company how you can save money. Some discounts might not be offered in your state.

Don’t believe everything you hear

Auto insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to have a common claim that you can save if you switch to them. How does each company make the same claim? It’s all in the numbers.

All companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk might be profiled as between 30 and 50, a clean driving record, and has great credit. A customer who matches those parameters gets the lowest rates and therefore will save a lot of money.

Potential insureds who don’t qualify for these standards must pay higher rates and ends up with business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently advertise the savings.

This illustrates why you need to get as many quotes as possible. It’s just too difficult to predict which company will have the lowest Nissan Maxima insurance rates.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Is rental equipment covered for theft or damage?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I waive the damage coverage when renting a car?
  • Do I have any recourse if my insurance company denies a claim?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I rate my 2006 Nissan Maxima as pleasure use or commute?
  • What should my uninsured motorist coverage limits be in my state?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance 101

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, falling objects, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Maxima resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, structural damage, court costs, loss of income and medical expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, prosthetic devices and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

We just covered a lot of techniques to compare 2006 Nissan Maxima insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the most savings is with a smaller regional carrier. They can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Lower-priced insurance is available from both online companies and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

More detailed insurance coverage information is located at these sites: