Cheaper 1993 Nissan Maxima Car Insurance Quotes

Want better insurance rates for your Nissan Maxima? Trying to find better insurance prices for your Nissan Maxima can be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to compare insurance rates and you need to know the proper way to get price quotes for a new or used Nissan and find the lowest possible price either online or from local insurance agents.

It’s important to get comparison quotes quite often because insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on Maxima insurance last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because we’re going to show you the best way to find better rates and still maintain coverage.

Pricing cheaper protection is quite easy. If you have insurance now or are looking for a new policy, you can use these tips to reduce the price you pay while maintaining coverages. Vehicle owners just need to learn the tricks to compare price quotes online.

These discounts can lower your insurance coverage quotes

Auto insurance companies don’t list the entire discount list very clearly, so the following list contains both well-publicized and the more hidden discounts that you may qualify for.

• Sign Online – Some of the larger companies will give you a small discount for buying your policy over the internet.
• Discount for New Cars – Buying a new car model may earn a small discount due to better safety requirements for newer models.
• More Vehicles More Savings – Purchasing coverage when you have all your vehicles with the same company could earn a price break for each car.
• Employee of Federal Government – Federal government employees can earn a discount up to 10% on Maxima insurance depending on your company.
• First Accident Forgiveness – Not really a discount, but a handful of insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a particular time prior to the accident.
• Passive Restraints – Factory air bags or motorized seat belts may get savings of 25 to 30%.

You can save money using discounts, but most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. Even though the math looks like it’s possible to get free car insurance, companies don’t profit that way.

Insurance companies that may offer quotes with these discounts may include but are not limited to:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you want the cheapest insurance quotes, ask every insurance company which discounts they offer. A few discounts might not be offered in your state. To find companies offering insurance coverage discounts, click this link.

Smart choices result in lower insurance prices

When buying auto insurance it’s important to understand some of the elements that help calculate the level of your policy premiums. If you have a feel for what determines premiums, this enables you to make decisions that may result in big savings. Lots of factors are part of the equation when you get a price on insurance. Most are fairly basic such as your driving record, but other factors are more obscure such as your credit history or your vehicle rating.

• Accidents cost more than a fine – Your driving record impacts your car insurance rates tremendously. Good drivers get better rates than people who have multiple driving citations. Only having one speeding ticket or other violation can increase rates twenty percent or more. People who have severe citations like DUI or reckless driving may find that they have to to complete a SR-22 with their state in order to drive a vehicle legally.
• How much liability do you need? – Liability insurance will protect you when you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Liability is cheap compared to other policy coverages, so drivers should carry high limits.
• Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies generally give better rates to people who are not frequent claim filers. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
• Married drivers get better rates – Having a spouse may earn you lower rates on auto insurance. Having a significant other is viewed as being more responsible it has been statistically shown that drivers who are married file infrequent claims.
• Prices increase with policy add-ons – There are a lot of add-on coverages that you can buy when buying auto insurance. Coverage for things like personal injury protection, high-cost glass coverage, and motor club memberships may not be needed and are just wasting money. The coverages may be enticing initially, but if you don’t need them get rid of them and save.
• Always have auto insurance – Letting your insurance expire can be a quick way to increase your renewal premiums. In addition to paying higher rates, being ticketed for driving with no insurance might get you fines or a revoked license. You will then be forced to file a SR-22 with your state DMV.

Different people need different car insurance coverages

When choosing adequate coverage, there really is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight if you might need professional guidance.

• Am I covered if I drive in a foreign country?
• Is borrowed equipment or tools covered if stolen or damaged?
• Are all vehicle passengers covered by medical payments coverage?
• Is my Nissan Maxima covered if I use it for business?
• Does my insurance cover my expensive audio equipment?
• Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 1993 Nissan Maxima.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Auto collision coverage

This coverage will pay to fix damage to your Maxima from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, driving through your garage door, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability

This will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as medical expenses, medical services and loss of income. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, theft and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like hospital visits, prosthetic devices, ambulance fees and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

More quotes mean more savings

Some insurance companies may not offer the ability to get a quote online and these regional insurance providers only sell coverage through independent agents. Budget-conscious 1993 Nissan Maxima insurance can be bought online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from.

We just presented many tips how you can save on 1993 Nissan Maxima insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding low cost insurance. You may even find the lowest prices are with a smaller regional carrier.

When searching for inexpensive insurance quotes, you should never buy poor coverage just to save money. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Additional detailed information is located in the articles below:

• Tools for Teen Driving Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)