Lower Your 1996 Nissan Maxima Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Nissan Maxima? Cutting costs on insurance coverage is slightly frustrating for drivers who are new to online price comparisons. Drivers have so many options available that it can easily be a difficult challenge to compare prices.

You should take the time to check insurance coverage prices every six months since rates are rarely the same from one policy term to another. Even if you think you had the best deal on Maxima coverage two years ago there is a good chance you can find better prices now. Forget all the misinformation about insurance coverage because you’re going to get a crash course in the quickest way to find better rates and still maintain coverage.

Take policy discounts and save

Auto insurance companies don’t always advertise the complete list of policy discounts very clearly, so below is a list both well-publicized and also the more inconspicuous credits available to bring down your rates.

• Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small discount on rates on Maxima coverage.
• Telematics Data – People who choose to allow their insurance company to monitor vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
• Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance on Maxima coverage depending on your auto insurance provider.
• Online Discount – A few larger online companies will discount your bill up to fifty bucks for signing up on your computer.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
• More Vehicles More Savings – Buying a policy with primary and secondary vehicles on one policy can get a discount on all vehicles.
• Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.

As is typical with insurance, most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, it just doesn’t work that way.

Some of the larger companies that may offer quotes with most of these discounts include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When comparing rates, check with every prospective company which discounts they offer. A few discounts may not apply to policyholders in your area.

The best way we recommend to compare rate quotes utilizes the fact most of the bigger providers actually pay money for the chance to quote your coverage. To begin a comparison, all you need to do is give them rating details such as if you’re married, driver details, whether your vehicle is owned or leased, and your education level. Your information is automatically sent to many highly-rated insurers and you will receive price estimates quickly.

To check rates for your 1996 Nissan Maxima now, click here and find out if you can get cheaper insurance.

Which policy gives me the best coverage?

When buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

• Is my teenager covered with friends in the car?
• Is my Nissan Maxima covered if I use it for business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Does my car insurance cover rental cars?
• Am I covered when delivering products for my home-based business?
• Can I rate high risk drivers on liability-only vehicles?
• Which is better, split liability limits or combined limits?
• How many claims can I have before being cancelled?
• What is an SR-22 filing?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Insurance policy coverages for a Nissan Maxima

Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, EMT expenses and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, fire damage and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door, crashing into a building, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverage – Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, loss of income and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Feed the piggy bank

When shopping online for insurance, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

We just showed you many tips how you can compare 1996 Nissan Maxima insurance prices online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the lowest prices come from a lesser-known regional company.

Drivers change insurance companies for many reasons like questionable increases in premium, high rates after DUI convictions, poor customer service and even policy non-renewal. Whatever your reason, switching insurance companies can be pretty painless.

Helpful resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)