2013 Nissan Maxima Car Insurance Quotes

Buyers have lots of choices when searching for affordable Nissan Maxima insurance. They can either spend hours contacting agents to compare prices or save time using the internet to compare rates. There is a better way to buy auto insurance so we’re going to tell you the quickest way to compare rates on a Nissan and locate the lowest price from local insurance agents and online providers.

These discounts can lower your rates

Companies offering auto insurance don’t necessarily list all available discounts very well, so the following is a list of some of the more common as well as the least known ways to save on insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Discount for Life Insurance – Larger companies have lower rates if you buy a life insurance policy as well.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Maxima insurance than their less cautious counterparts.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • No Charge for an Accident – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.

It’s important to note that most discount credits are not given the the whole policy. Most only cut individual premiums such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

Companies that may have some of the above discounts are:

Check with every prospective company which discounts they offer. Some discounts might not apply everywhere.

Vehicle Insurance Comparison

Most companies like State Farm, Allstate and GEICO allow you to get prices on the web. Getting online rates is quite easy as you just type in your required coverages into a form. When the form is submitted, the system orders your driving record and credit report and generates pricing information.

Quoting online makes comparing rates easy, but the work required to visit different websites and type in the same information can be a bit repetitive. But it’s very important to compare as many rates as possible in order to get better prices.

The quickest way to find cheaper rates uses one simple form that analyzes rates from a bunch of companies at once. The form is fast, reduces the work, and makes price shopping online a little more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any or none of the pricing results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, click here and submit your coverage information. If you have your current policy handy, we recommend you copy the insurance coverages identical to your current policy. This makes sure you will have an apples-to-apples comparison based on identical coverages.

Factors influencing Nissan Maxima insurance rates

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for insurance coverage. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in big savings.

Listed below are a partial list of the pieces used by your company to calculate premiums.

  • Add-on coverages can add up – There are a ton of extra bells and whistles that can waste your money if you aren’t careful. Things like vanishing deductibles, accident forgiveness and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • Rural vs Urban Areas – Being located in a rural area is a positive aspect when insuring your vehicles. Drivers in populated areas have more traffic problems and a longer drive to work. Lower population translates into fewer accidents as well as less vandalism and auto theft.
  • Small claims can cost you – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies generally give lower rates to drivers who do not file claims often. Your insurance policy is intended for the large, substantial claims.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Nissan Maxima is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Cautious drivers pay less – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one moving violation may increase your cost by twenty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Never go without insurance – Driving without insurance is against the law and you will pay a penalty because you let your insurance expire. Not only will you pay more, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.

Different people need different coverages

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need motorclub coverage?
  • Should I rate my 2013 Nissan Maxima as pleasure use or commute?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is extra glass coverage worth it?
  • What is no-fault insurance?
  • Can I afford to buy a different vehicle if my 2013 Nissan Maxima is totaled?
  • Should I sign the liability waiver when renting a car?
  • What exactly is covered by my policy?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Save $468 a year? Really?

Consumers can’t get away from ads for car insurance savings by companies like State Farm, Allstate and GEICO. All the ads say the same thing of big savings if you move to them.

How does each company make the same claim?

All the different companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has a short commute. A customer getting a price quote who matches those parameters gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile must pay more money and ends up with the driver buying from a lower-cost company. The ads say “people who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully claim big savings. This illustrates why you absolutely need to quote coverage with many companies. Because you never know which insurance company will fit your personal profile best.

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as nursing services, pain medications, ambulance fees, rehabilitation expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Nissan Maxima.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This covers damage to your Maxima from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, 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.

Liability coverage

This will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, attorney fees, repair bills for other people’s vehicles, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

What is YOUR best insurance company?

Drivers who switch companies do it for many reasons like being labeled a high risk driver, high prices, extreme rates for teen drivers and even high rates after DUI convictions. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

Lower-priced 2013 Nissan Maxima insurance is attainable both online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide online quoting and these small insurance companies work with independent agents.

We covered many ideas to compare insurance prices online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. You may even find the best prices are with a company that doesn’t do a lot of advertising.

Additional car insurance information can be read on the following sites: