1998 Nissan Maxima Car Insurance Rates

Locating cheaper insurance for a new or used Nissan Maxima can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to quote coverages for your Nissan and locate the lowest price from both online companies and local agents.

It’s smart to compare premium rates on a regular basis because car insurance prices change quite often. If you had the lowest rates on Maxima coverage a couple years back a different company probably has better rate quotes today. You’ll find quite a bit of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn a lot of great tips on how to find affordable car insurance.

If you are insured now or are looking for a new policy, you can use this information to find better prices while maintaining coverages. Shopping for cheaper car insurance is simple if you know the tricks. Vehicle owners only need to know the proper methods to compare rates online.

Discounts can really help lower rates

Car insurance can cost a lot, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered at the time of purchase, but some discounts are required to be specifically requested prior to getting the savings.

• Student Discounts – Performing well in school may save as much as 25% on a insurance quote. Many companies even apply the discount to college students up to age 25.
• Defensive Driving Course – Taking a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.
• Distant Student – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Waiver for an Accident – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike if you have no claims before the accident.
• Senior Citizen Discount – If you qualify as a senior citizen, you could receive lower premium rates on Maxima coverage.
• Own a Home – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.

Just know that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

A few companies that have most of these discounts possibly include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

When getting free insurance quotes, it’s a good idea to all the companies how you can save money. Some of the discounts discussed earlier might not apply in your area. To see a list of car insurance companies with discount rates, click here to view.

Why your insurance rates might be higher

An important part of buying insurance is that you know some of the factors that go into determining the price you pay for insurance coverage. When you understand what influences your rates, this helps enable you to make changes that can help you get lower premium levels.

• Never let your insurance coverage expire – Allowing your insurance coverage policy to lapse will be a guaranteed way to increase your rates. In addition to paying higher rates, getting caught without coverage will get you a fine, jail time, or a revoked license.
• Get married and pay less – Getting married may cut your premiums on your policy. Having a significant other translates into being more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
• Men drivers tend to cost more – Over time, data shows that females tend to be a little less risky than males. However, this does not mean females are better drivers. Women and men get in at-fault accidents at about the same rate, but males have costlier accidents. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
• Poor driving leads to higher costs – Having a clean driving record impacts premiums far more than you think. Careful drivers get better rates compared to bad drivers. Getting just one driving citation may cause rates to rise by twenty percent. People who have severe violations like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state DMV in order to keep their license.
• How much liability protection – A critical coverage on your policy, liability insurance will protect you when you are ruled to be at fault for an accident. It provides legal defense coverage to defend your case. This coverage is very inexpensive compared to other policy coverages, so do not cut corners here.
• Low credit score equals high costs – Credit score will be a significant factor in determining what you pay for insurance coverage. Insureds that have very good credit scores tend to be more responsible as compared to drivers with poor credit scores. So if your credit score is lower than you’d like, you could save money insuring your 1998 Nissan Maxima by improving your rating.

Will just any policy work for me?

When choosing the best insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you might need professional guidance.

• How many claims can I have before being cancelled?
• Am I insured when driving a different vehicle?
• Am I covered when using my vehicle for business?
• Do I need rental car coverage?
• Can I rate high risk drivers on liability-only vehicles?
• Can I afford to buy a different vehicle if my 1998 Nissan Maxima is totaled?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as rehabilitation expenses, nursing services, EMT expenses, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Nissan Maxima.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, 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 pays for claims like repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and court costs. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, falling objects, a broken windshield and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This will pay to fix damage to your Maxima caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, damaging your car on a curb, crashing into a ditch, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Cheaper insurance is a realistic goal

In this article, we presented a lot of information how to shop for 1998 Nissan Maxima insurance online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

Some companies do not offer the ability to get quotes online and usually these small insurance companies sell through independent agents. Low-cost 1998 Nissan Maxima insurance can be purchased online as well as from insurance agents, so you should compare both in order to have the best chance of saving money.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In many cases, an insured dropped uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Additional car insurance information is located at these links:

• Coverage Information (Progressive Insurance)
• Understanding your Policy (NAIC.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)