How Much Does 1990 Nissan Maxima Car Insurance Cost?

Looking for the cheapest auto insurance rates for your Nissan Maxima? Are you burned out from sacrificing other expenses each month for auto insurance? Your situation is no different than many other consumers. Drivers have so many car insurance companies to insure vehicles with, and although it’s nice to have a choice, more choices can make it harder to find the lowest rates.

Drivers save money with with these discounts

Some providers don’t always list all available discounts very well, so the next list breaks down both the well known as well as some of the hidden ways to save on insurance coverage.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
  • Cautious Driver Discount – Accident-free drivers can save up to 40% or more on their auto insurance quote on Maxima insurance than drivers with accident claims.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents and the ABS can save up to 10%.
  • Professional Memberships – Being in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.

Don’t be shocked that most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, nobody gets a free ride.

Popular insurance coverage companies and a partial list of their discounts include:

  • The Hartford offers premium reductions for anti-theft, defensive driver, air bag, driver training, and bundle.
  • American Family policyholders can earn discounts including bundled insurance, Steer into Savings, mySafetyValet, TimeAway discount, air bags, and good student.
  • Progressive has discounts for multi-vehicle, good student, homeowner, multi-policy, online signing, and continuous coverage.
  • Travelers includes discounts for good student, multi-car, early quote, home ownership, continuous insurance, and new car.
  • Farmers Insurance offers discounts including business and professional, youthful driver, switch companies, early shopping, and mature driver.
  • USAA discounts include new vehicle, good student, safe driver, family discount, and vehicle storage.
  • Liberty Mutual offers discounts for safety features, exclusive group savings, new graduate, new vehicle discount, multi-car, hybrid vehicle, and good student.

If you are trying to find cheaper auto insurance quotes, ask every prospective company how you can save money. Some discounts listed above might not be available to policyholders in your state. To view providers with the best discounts, follow this link.

How to buy insurance online

Finding low cost insurance quotes is pretty simple and can save money. You just need to spend a few minutes on the computer comparing rate quotes from online providers. This is very easy and can be done in several different ways.

  1. The most efficient method to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing repetitive form entry for every prospective company. A single, simple form gets rate comparisons from insurance companies with the best prices.
  2. A less efficient way to analyze rates requires a trip to each company website to complete a price quote. For examples sake, we’ll pretend you want to compare prices for Allstate, State Farm and Farmers. To get rate quotes you would need to navigate to each company’s site and punch in your information repeatedly, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

The method you choose is up to you, but try to use nearly identical deductibles and coverage limits with every price quote. If you are comparing different coverage information it will be impossible to truly determine the lowest rate.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions might help in determining whether your personal situation might need professional guidance.

  • Is extra glass coverage worth it?
  • Why do I need rental car insurance?
  • How can I force my company to pay a claim?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • At what point should I drop full coverage?
  • Why am I required to buy liability insurance?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking 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. It’s fast, free and can help protect your family.

Car insurance coverages for a 1990 Nissan Maxima

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for things like funeral costs, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Nissan Maxima.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a bird, vandalism, damage from a tornado or hurricane and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Maxima from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, hitting a parking meter, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability coverage

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, bail bonds, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Pennies from heaven

When searching for cheap auto insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at the best possible price while still protecting your assets.

Affordable 1990 Nissan Maxima insurance can be bought from both online companies and with local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers don’t offer online price quotes and these small, regional companies only sell coverage through independent agents.

Additional detailed information is located in these articles:

Comments About 1990 Nissan Maxima Insurance

  1. Robbi Snow

    In Juneau, Alaska try State Farm or GEICO. Both had decent prices.

  2. Mandie Roman

    If you don’t have tickets and are close to Louisville, KY, check out Allstate. You might get cheaper rates. Switched homeowners coverage too.

  3. Cherish Austin

    Cheap car insurance? What’s that? Live in Augusta, GA. Don’t remember every company but I ended up saving about $20 each month. Was with Allstate. Have an at-fault accident tho. I got a quote from their website. I only have liability coverage on it.

  4. Lurlene Lewis

    Thought I’d throw in my experience. Proud to be from Greensboro, North Carolina. Quoted rates from Allstate, Hanover, and Erie for my Maxima and I’m now saving $21 a month. Left Nationwide to switch. Not sure if rates are cheaper online or not. I only have liability coverage on it.

  5. Phillip Hampton

    Like your site, BTW. Located in Dover, DE. Received quotes with Nationwide, Farmers, Allstate, and AIG Insurance for my Maxima and saved $95 a year. I increased coverages a little too. Highly recommended.

  6. Shelli Mathis

    Lifelong resident of Saint Louis, MO. I compared lots of rates. Saved roughly $20 a month. Progressive was the cheapest option for me. I think they have home insurance too. God forbid I actually have a claim. I’m thinking about dropping full coverage though.