2001 Nissan Maxima Car Insurance Rates

Want better auto insurance rates for your Nissan Maxima? Scraping up a payment for high-priced Nissan Maxima insurance can drain your savings and maybe even restrict other spending. Shopping your coverage around is recommended to make ends meet.

Insurance companies such as Geico and Progressive all claim big savings with ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

If you have a current auto insurance policy or are just looking to switch companies, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding the best rates is not rocket science. Drivers just need to know the most effective way to get comparison quotes online.

The quickest way to compare policy rates is to know the trick all the major auto insurance companies participate in a system to provide you with free rate quotes. To get started, all you need to do is provide information including whether you drive to work or school, if you have a valid license, how old drivers are, and whether you are single or married. Your rating data is sent automatically to insurance companies and you should receive rate quotes almost instantly.

These discounts can lower your car insurance quotes

Some insurers don’t list all available discounts very clearly, so the below list has a few of the more common and the harder-to-find discounts that you may qualify for.

  • Home Ownership Discount – Being a homeowner may earn you a small savings because of the fact that having a home is proof of financial responsibility.
  • Drive Less and Save – Driving less could be rewarded with lower prices on the low mileage vehicles.
  • Save with a New Car – Buying insurance on a new vehicle can get you a discount since newer models are generally safer.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Driver Safety – Taking part in a defensive driver class is a good idea and can lower rates if your company offers it.
  • Driver Education Discount – Have your child sucessfully take a drivers education course if offered at their school.
  • Responsible Driver Discounts – Insureds without accidents can pay as much as 50% less for Maxima coverage than drivers with accidents.

We need to note that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

Companies that possibly offer these discounts include:

If you want cheaper insurance quotes, ask each company what discounts are available to you. Savings might not be offered on policies in your state.

Different people need different car insurance coverages

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you might need professional guidance.

  • What is an SR-22 filing?
  • What should my uninsured motorist coverage limits be in my state?
  • When can I cancel my policy?
  • Do all my vehicles need collision coverage?
  • What can I do if my company won’t pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Cut insurance costs with these tips

Many things are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other criteria are not as apparent like where you live or your vehicle rating.When buying insurance coverage it’s important to understand some of the factors that play a part in calculating your policy premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that may result in much lower annual insurance costs.

  • Put fewer miles on your vehicle – The higher the miles on your Nissan in a year’s time the higher your rate. Most insurance companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much qualify for better rates than cars that get driven a lot. An incorrectly rated Maxima may be wasting your money. It’s a smart idea to ensure your insurance coverage policy states the correct usage for each vehicle.
  • Safer vehicles means better premiums – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means lower claim amounts and cheaper rates on your policy.
  • Premiums increase with driving tickets – Having a clean driving record impacts premiums far more than you think. Good drivers get better prices compared to drivers with tickets. Just one ticket can increase the cost of insurance to the point where it’s not affordable. Drivers unfortunate enough to have severe tickets such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
  • Liability insurance is critical – Your insurance coverage policy’s liability coverage will provide protection when you are determined to be liable for causing damage or personal injury in an accident. It will provide for a legal defense to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Where you reside is a factor – Being located in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. People in densly populated areas regularly have much more traffic and more severe claims. Less people means reduced accidents and also fewer theft and vandalism claims.
  • Your employer and insurance coverage rates – Did you know your job can affect your rates? Jobs such as military generals, architects and emergency personnel are shown to have higher rates than average because of high stress levels and lengthy work days. Other careers such as actors, students and performers get better rates for Maxima coverage.
  • Companies want multiple policies – Many insurers provide lower prices to buyers that buy multiple policies, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to get quotes from other companies to guarantee you are still saving the most.

Advertising and insurance

Consumers constantly see and hear ads that claim the best premium rates from companies such as State Farm, Allstate and Geico. They all seem to make the same claim that drivers can save some big amount if you switch your policy.

How do they all sell you cheaper insurance coverage?

Companies look for specific characteristics for the type of driver that makes them money. For example, a driver they prefer might be described as between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Someone that hits that “sweet spot” is entitled to the best price and therefore will save when switching.

People who don’t measure up to these standards will probably have to pay a higher rate and this can result in the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully make those claims. Because of the profiling, you really need to compare rate quotes every year. You cannot predict which company will have the best rates at this point in time.

Specific coverages for a 2001 Nissan Maxima

Learning about specific coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Auto collision coverage

Collision coverage pays for damage to your Maxima from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like prosthetic devices, funeral costs, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, theft, damage from a tornado or hurricane, rock chips in glass and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Nissan Maxima.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like bail bonds, legal defense fees, loss of income and medical services. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Final considerations

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

You just learned many ideas to shop for 2001 Nissan Maxima insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the most savings is with the least-expected company. These companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

Additional detailed information is located in the articles below:

Comments About 2001 Nissan Maxima Insurance

  1. Lasandra Banks

    If you don’t have tickets and live near Owensboro, KY, check out GEICO. They seem to be cheaper. I just carry liability insurance.

  2. Christiana Pearson

    IT’S ALL TOO EXPENSIVE! I’m in the north part of Providence, RI. Quoted rates from Auto-Owners, Sentry, and a few others for my Maxima and saved just over $60 a year. Insured with Erie before. They have a lot of discounts available. Just go online and compare their rates. I just carry liability insurance.

  3. Joeann Andrews

    I got decent rates for a 2001 Nissan Maxima in Parkersburg, WV. Ended up at darn near $90 every six months with AAA. Was with GEICO. I get lower rates because of my clean driving record. I used their website to get prices. Next renewal I’ll just do liability.

  4. Meredith Marks

    I live just to the west of Aberdeen, South Dakota. I don’t recall every quote but I ended up saving about $20 each month. Insured with Esurance before. They were helpful in switching over.

  5. Kiesha Everett

    From Jackson, MS. Received prices from Auto-Owners, Esurance, and Mercury for my 2001 Nissan Maxima and I think I cut my rates about $20 each month. Left Progressive to switch. I don’t put full coverage on it.

  6. Gaylord Velazquez

    Here’s my quote info. Found cheapest coverage with Erie for my 2001 Nissan Maxima and am saving around $110 a year. I’m thinking about dropping full coverage though.

  7. Sonia Francis

    Went with Liberty Mutual for my Maxima and cut my rates about $90 a year. Left GEICO to switch.

  8. Rae Mccoy

    I’ve bought from GEICO forever. Cheapest rates in Bellevue, NE.

  9. Isobel Randolph

    Lifelong resident of Columbia, SC, and State Farm rates were best. Was with State Farm. I have kids on my policy, too. Full coverage costs too much.

  10. Pamela Hubbard

    From northwest of Detroit, MI. I quoted with GEICO, AIG Insurance, and Eastwood for my 2001 Nissan Maxima and I think I saved about $20 each month. A clean driving record helps. It’s only liability tho.

  11. Amalia Gates

    I found pretty cheap rate quotes for a 2001 Nissan Maxima in Saint Paul, Minnesota. Ended up at roughly $120 every six months with Auto-Owners.

  12. Bob Forbes

    I found pretty cheap rate quotes for a 2001 Nissan Maxima in North Charleston, SC. Ended up at darn near $90 every six months with Auto-Owners. Insured with MetLife before. Even increased my liability limits.

  13. Darline Burton

    Here’s my quote info. I live in a small town just outside of Rochester, Minnesota. I quoted with 21st Century, Eastwood, and Hartford for my Maxima and I think I cut my rates about $20 each month. Left Allstate to switch.

  14. Dianne Cash

    Checking in from Los Angeles, California. Got free quotes online for a 2001 Nissan Maxima. Ended up at about $70 savings annually. Went with Progressive. Liability only on my Nissan.