1997 Nissan Maxima Insurance Rates

Looking for the cheapest insurance rates for your Nissan Maxima? Cutting costs on insurance can seem to be difficult for drivers not familiar with online rate comparisons. With such a large choice of companies, it can turn into a big hassle to find a more affordable company.

It’s a great practice to get comparison quotes occasionally because prices fluctuate regularly. Even if you think you had the best price for Maxima insurance last year other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the things you must know in order to properly buy coverages while reducing your premium.

Use discounts to get cheaper auto insurance quotes

Insuring your fleet can be pricey, but you can get discounts that could help you make your next renewal payment. Some discounts will apply when you purchase, but once in a while a discount must be specially asked for in order for you to get them.

• Safety Course Discount – Taking time to complete a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
• Sign Online – A few companies may give you up to $50 for buying a policy and signing up on their website.
• Discount for Life Insurance – Larger insurance companies have a break if you buy a life policy as well.
• Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with one company you may earn over 10 percent off each policy depending on the company.
• Use Seat Belts – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Large auto insurance companies and the discounts they provide can be read below.

• The Hartford may include discounts for air bag, defensive driver, anti-theft, bundle, and driver training.
• American Family has discounts for bundled insurance, accident-free, good student, good driver, and mySafetyValet.
• Progressive offers discounts including multi-vehicle, online signing, good student, homeowner, continuous coverage, and online quote discount.
• Travelers policyholders can earn discounts including payment discounts, new car, IntelliDrive, student away at school, multi-car, and multi-policy.
• Farmers Insurance includes discounts for distant student, switch companies, alternative fuel, multi-car, good student, business and professional, and bundle discounts.
• USAA has savings for good student, multi-vehicle, multi-policy, new vehicle, defensive driver, and military installation.
• Liberty Mutual may have discounts that include new vehicle discount, multi-policy, safety features, newly retired, preferred payment discount, and good student.

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts listed above might not apply in your area. To locate auto insurance companies with discount rates, click here.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions could help you determine whether you would benefit from professional advice.

• Where can I find DUI or SR-22 insurance?
• Am I missing any policy discounts?
• Do I need PIP coverage since I have good health insurance?
• What happens if I owe more than my 1997 Nissan Maxima is worth?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does coverage extend to my business vehicle?
• Am I covered when pulling a rental trailer?
• Do I need rental car coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Save $381 a year. For real?

Companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all make the same claim that you’ll save big if you move your car insurance policy to them. But how can every company offer drivers better rates? This is the way they can do it.

Companies quote their cheapest rates for the type of customer that makes them money. For instance, a preferred risk may be over the age of 45, has other policies, and has great credit. A driver that fits those parameters gets the lowest prices and will probably cut their rates if they switch.

Consumers who are not a match for these criteria will probably have to pay a higher premium which usually ends up with the customer not buying. The wording the ads use say “drivers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can claim big savings. Because of these techniques, it’s extremely important to do a quote comparison often. Because you never know which insurance companies will give you lower rates than your current company.

Insurance policy coverages for a Nissan Maxima

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills such as nursing services, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Nissan Maxima.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a deer, a broken windshield and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This covers damage to your Maxima resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, emergency aid, structural damage and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Be a smart shopper

Insureds leave their current company for a number of reasons such as high rates after DUI convictions, questionable increases in premium, poor customer service or even delays in paying claims. Regardless of your reason, finding a new insurance company is actually quite simple.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, someone dropped collision coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the best price while not skimping on critical coverages.

Some insurance providers do not offer price quotes online and many times these regional insurance providers prefer to sell through local independent agencies. Lower-priced 1997 Nissan Maxima insurance is available from both online companies and from local agencies, so compare prices from both so you have a total pricing picture.

More information is located below:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Vehicle Safety Ratings (iihs.org)