Compare 1999 Nissan Maxima Insurance Rates

Finding low cost Driverscar insurance can seem to be nearly impossible for drivers who are beginners to quoting and comparing rates online. Drivers have so many different companies and agents to choose from that it can turn into more work than you anticipated to find the lowest price.

Consumers should take time to do rate comparisons as often as possible due to the fact that insurance rates are variable and change quite frequently. Even if you got the best deal for Maxima coverage two years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Buying more affordable coverage is simple if you know the tricks. Nevertheless, vehicle owners need to learn the way insurance companies price insurance differently and use this information to your advantage.

How to buy insurance coverage online

To find cheaper rates, there are a couple of ways to get quotes from companies that offer insurance coverage in your state. The easiest way to find competitive 1999 Nissan Maxima insurance rates is to perform an online rate comparison. This is quite simple and can be completed using a couple different methods.

1. One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This style of form saves time by eliminating multiple quote forms for each company. Completing one form gets coverage cost estimates from insurance coverage companies with the best prices. It’s definitely the quickest method.
2. A less efficient way to get quotes online requires a trip to the website for each individual company to complete a price quote. For example, we’ll assume you want to compare rates from Liberty Mutual, Geico and GMAC. You would be required to go to each individual site and type in your information over and over, which can get old fast. For a list of companies in your area, click here.
3. The least recommended method to find cheaper rates is driving to each insurance agency near you. Doing it all online makes this unnecessary unless your situation requires the professional advice that only a licensed agent can provide. Some companies do allow you to compare the best prices online but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but ensure you’re using the exact same coverages on every price quote you get. If each company quotes mixed coverages it will be nearly impossible to make an equal comparison. Having just a slight variation in insurance coverages or limits can make a big difference in price. It’s important to know that comparing more quotes increases the change that you will find more affordable rates.

Lower rate quotes by taking advantage of discounts

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Many discounts should be triggered at quote time, but some must be inquired about before you will receive the discount.

• New Car Discount – Buying a new car instead of a used car can be considerably cheaper since new model year vehicles have better safety ratings.
• Low Mileage Discounts – Fewer annual miles on your Nissan can qualify you for discounted insurancerates on garaged vehicles.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Professional Memberships – Being a member of specific professional or occupational memberships or organizations could earn you a nice discount when shopping for insurance.
• Cautious Driver Discount – Insureds who avoid accidents may receive a discount up to 45% for Maxima coverage than their less cautious counterparts.
• Senior Citizen Rates – Mature drivers may qualify for a small decrease in premiums for Maxima coverage.
• Safety Course Discount – Passing a defensive driver course could save 5% or more if your company offers it.
• Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you may reduce your total bill.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance companies and some of their more popular discounts include:

• Progressive includes discounts for good student, online quote discount, homeowner, multi-policy, and online signing.
• MetLife discounts include defensive driver, good student, claim-free, multi-policy, accident-free, good driver
• Mercury Insurance has discounts for location of vehicle, good driver, type of vehicle, multi-policy, and low natural disaster claims.
• Nationwide offers discounts including business or organization, family plan, multi-policy, Farm Bureau membership, and defensive driving.
• Geico may include discounts for multi-policy, emergency military deployment, federal employee, air bags, and daytime running lights.
• AAA may offer discounts for good driver, education and occupation, multi-policy, good student, multi-car, and AAA membership discount.

Before buying, ask each company or agent which discounts you qualify for. Some discounts listed above might not be offered in your area. To see companies offering insurance discounts, follow this link.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

These are some specific questions can help discover whether you would benefit from an agent’s advice.

• Does my 1999 Nissan Maxima need full coverage?
• Is my camper covered by my car insurance policy?
• Am I covered if I hit a deer?
• What should my uninsured motorist coverage limits be in my state?
• Is my Nissan Maxima covered if I use it for business?
• What is an SR-22 filing?
• Does my insurance cover my expensive audio equipment?
• Who is covered by my policy?
• Is pleasure use cheaper than using my 1999 Nissan Maxima to commute?
• Should I get collision insurance on every vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Smart buyers save on insurance

Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving record, but others are less obvious like your continuous coverage or how financially stable you are.

• Vehicle theft costs us all – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft and help bring rates down.
• Do you have enough liability coverage? – A critical coverage on your policy, liability insurance will provide protection if ever you are ruled to be at fault for damages from an accident. Your liability coverage provides legal defense to defend your case. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
• Better car insurance rates for uninterrupted coverage – Not maintaining insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher rates, the inability to provide proof of insurance may result in a revoked license or a big fine.
• Save by staying claim free – Insurance companies award most affordable rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on higher rates. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
• Males are more aggressive – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that men are worse drivers. Males and females cause accidents in similar percentages, but the males have costlier accidents. Not only are claims higher, but men get ticketed for serious violations like reckless driving and DUI. Male teenagers have the highest risk to insure so it costs more to insure them.
• Responsible drivers pay less – How you drive can have a huge impact on auto insurance premiums. Even a single ticket can bump up the cost to the point where it’s not affordable. Good drivers get better prices compared to drivers with tickets. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may need to maintain a SR-22 to the state department of motor vehicles in order to prevent their license from being revoked.
• Youthful drivers cost more – Teenage drivers are statistically proven to be inattentive when driving with friends so car insurance rates are higher. Having to add a youthful driver onto your car insurance can be quite pricey. More mature drivers are proven to be safer behind the wheel, file fewer claims .

Advertising myths

Well-known insurance companies like Geico, State Farm and Progressive regularly use ads in print and on television. They all seem to have a common claim of big savings if you switch to them. How does each company save you money? It’s all in the words they use.

All companies have a preferred profile for the type of insured that earns them a profit. For example, a preferred risk might be over the age of 45, has no tickets, and drives a car with an anti-theft system. Anybody who fits those characteristics will qualify for the lowest premium rates and will most likely save when switching.

Insureds who may not quite match these standards may receive higher premium rates which leads to the customer not buying. The ads state “drivers that switch” not “everyone who quotes” save that much. That is how companies can make the claims of big savings.

This really illustrates why drivers must compare quotes as often as possible. It is impossible to predict which insurance company will have the lowest car insurance rates for your situation.

What auto insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision – Collision insurance covers damage to your Maxima from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane, vandalism and rock chips in glass. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for hospital visits, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are set the same as your liablity limits.

Liability auto insurance – This can cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles, medical expenses, medical services and pain and suffering. How much coverage you buy is up to you, but you should buy as much as you can afford.

In conclusion

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. Too many times, an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and high prices. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

Discount 1999 Nissan Maxima insurance is attainable both online and from local agencies, so get free insurance coverage quotes from both of them so you have a total pricing picture. There are still a few companies who may not have internet price quotes and most of the time these smaller providers work with independent insurance agents.

Additional articles

• Teen Driving Statistics (Geico)
• Insurance Losses by Make and Model (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Property Damage Coverage (Liberty Mutual)