Lower Your 2008 Nissan Maxima Insurance Rates

Want better insurance coverage rates for your Nissan Maxima? Overpriced Nissan Maxima insurance can drain your bank account and put the squeeze on your family’s finances. Comparing price quotes is a great way to slash your bill and have more diposable income.

Since consumers have many choices of insurance companies, it’s nearly impossible to choose the best company.

Take advantage of discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Some trigger automatically when you get a quote, but some must be specially asked for before you get the savings.

  • Homeowners Discount – Owning a home can help you save on car insurance because of the fact that having a home requires personal responsibility.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Multi-policy Discount – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.

It’s important to note that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. But all discounts will cut your overall premium however.

Insurance companies that may offer these benefits include:

Double check with each insurance company which discounts they offer. Discounts may not apply in your state.

How to know if you need help

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I better off with higher deductibles on my 2008 Nissan Maxima?
  • Is motorclub coverage worth it?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need more liability coverage?
  • Should I buy additional glass protection?
  • I don’t drive much so do I pay less?
  • How do I buy GAP insurance?
  • Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from getting keyed, damage from a tornado or hurricane, hitting a bird and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – Collision insurance will pay to fix damage to your Maxima caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, X-ray expenses and surgery. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for liability – This coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Be a smart shopper

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at a price you can afford.

Discount 2008 Nissan Maxima insurance can be purchased from both online companies and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just covered a lot of tips how to reduce insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

Much more information about auto insurance is located below: