2000 Nissan Maxima Insurance Quotes – 7 Ideas for Cheapest Rates

Trying to find cheaper insurance rates for your Nissan Maxima? Car insurance shoppers not familiar with buying insurance online may find purchasing affordable auto insurance is harder than it should be.

Choosing the best insurance company for you is quite easy. Essentially everyone who is required by state law to have insurance stands a good chance to be able to find lower rates. Nevertheless, car owners should learn how insurance companies market on the web because it can help you find the best coverage.

Are you earning every discount?

Buying auto insurance is not cheap, but you might find some hidden discounts that you may not know about. Certain reductions will be credited when you complete an application, but a few need to be specifically requested before you get the savings. If you don’t get every credit possible, you’re just leaving money on the table.

• Driver Training Discounts – Taking part in a class that teaches safe driver techniques could save 5% or more if your company offers it.
• Claim Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared with policyholders that have many claims.
• Senior Citizens – Mature drivers could receive better auto insurance rates for Maxima coverage.
• Anti-theft Discount – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Renewal Discounts – Some auto insurance companies reward drivers for switching companies early. This discount can save up to 10%.
• No Charge for an Accident – Not a discount per se, but some insurance companies will let one accident slide without getting socked with a rate hike if your claims history is clear prior to the accident.
• Low Miles Discount – Low annual miles could be rewarded with lower prices due to less chance of an accident.

Just know that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

Large auto insurance companies and a partial list of their discounts can be found below.

• 21st Century offers discounts including early bird, theft prevention, homeowners, defensive driver, teen driver, and student driver.
• State Farm offers discounts for Steer Clear safe driver discount, defensive driving training, student away at school, good driver, anti-theft, and passive restraint.
• AAA discounts include education and occupation, multi-car, multi-policy, good driver, good student, and anti-theft.
• Liberty Mutual has savings for preferred payment discount, exclusive group savings, teen driver discount, new move discount, safety features, and newly retired.
• Progressive policyholders can earn discounts including homeowner, continuous coverage, multi-policy, multi-vehicle, online quote discount, good student, and online signing.

Before purchasing a policy, check with all the companies what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. To see a list of companies who offer free auto insurance quotes, follow this link.

When in doubt talk to an agent

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

• What is PIP insurance?
• Is my camper covered by my car insurance policy?
• What is the rate difference between pleasure use and commuting?
• Am I covered if I hit my neighbor’s mailbox?
• Does my 2000 Nissan Maxima need full coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Are my friends covered when driving my car?
• Am I covered if hit by an uninsured driver?
• Who is covered when they drive my 2000 Nissan Maxima?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like structural damage, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2000 Nissan Maxima.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses like rehabilitation expenses, pain medications, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision insurance

Collision coverage will pay to fix damage to your Maxima caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Summing up your auto insurance search

When you buy auto insurance online, it’s not a good idea to reduce coverage to reduce premium. Too many times, consumers will sacrifice full coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

People switch companies for many reasons like delays in paying claims, unfair underwriting practices, being labeled a high risk driver and questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

We just presented many ways to shop for 2000 Nissan Maxima insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with the least-expected company.

Additional information

• Child Safety Seats (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Collision Insurance Coverage (Nationwide)
• How do I File a Claim? (Insurance Information Insitute)