2002 Nissan Maxima Insurance Quotes

Buyers have many options when searching for the lowest priced Nissan Maxima insurance. You can either waste hours driving around to compare prices or utilize the internet to make rate comparisons. There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Nissan and obtain the cheapest rates from local insurance agents and online providers.

You need to check car insurance prices occasionally due to the fact that insurance prices change regularly. Despite the fact that you may have had the lowest rate on Maxima insurance a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because you’re going to get a crash course in the things you must know in order to save on car insurance.

If you have a current car insurance policy or need new coverage, you can learn to find better prices while maintaining coverages. This article will teach you how to effectively get price quotes. Drivers only need an understanding of the most efficient way to shop their coverage around over the internet.

Save a ton with discounts

Insuring your fleet can be pricey, but you may find discounts that many consumers don’t even know exist. Certain discounts will be applied at quote time, but some discounts are required to be manually applied before you will receive the discount.

  • Discounts for New Vehicles – Putting insurance on a new car can be considerably cheaper compared to insuring an older model.
  • Distant Student – Older children who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better car insurancerates on cars that stay parked.
  • One Accident Forgiven – Not really a discount, but some companies like Allstate, State Farm and Geico may permit one accident before they charge you more for coverage if you are claim-free for a specific time period.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
  • Save over 55 – Older drivers may be able to get lower premium rates on Maxima insurance.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving can save 10% or more off PIP or medical payments premium.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Maxima insurance than drivers with accidents.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

Large car insurance companies and some of the discounts are:

  • State Farm policyholders can earn discounts including passive restraint, multiple policy, anti-theft, good student, defensive driving training, and Steer Clear safe driver discount.
  • Geico discounts include seat belt use, five-year accident-free, defensive driver, multi-policy, federal employee, and military active duty.
  • Allstate offers discounts including teenSMART discount, utility vehicle, new car, anti-lock brakes, premier plus, and EZ pay plan discount.
  • SAFECO may offer discounts for safe driver, accident prevention training, bundle discounts, homeowner, anti-lock brakes, and teen safe driver.
  • Farm Bureau includes discounts for youthful driver, safe driver, good student, multi-vehicle, and renewal discount.
  • Progressive offers premium reductions for homeowner, multi-policy, online signing, online quote discount, multi-vehicle, good student, and continuous coverage.
  • AAA has savings for good student, education and occupation, pay-in-full, anti-theft, and multi-car.

Check with every insurance company which discounts you may be entitled to. Some credits may not apply in your state. If you would like to see a list of insurance companies that provide some of the discounts listed above, click this link.

How to get insurance coverage quotes

There are several ways you can shop for insurance coverage but one way is less labor-intensive and much quicker. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Many of the larger companies participate in an industry program that enables customers to complete one form, and every company then returns a price quote. This system prevents you from having to do form submissions for each company you want a rate for. To use this form to compare rates click here to open in new window.

The only downside to pricing coverage this way is that consumers can’t choose the companies to get quotes from. So if you want to select individual companies to compare rates, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

How you compare quotes is your choice, just compare identical quote information for each price quote. If you use different deductibles it will be very difficult to determine the lowest rate for your Nissan Maxima.

What is the best car insurance coverage?

When choosing adequate coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • How much liability insurance is required?
  • Can my teen drive my company car?
  • How can I get high-risk coverage after a DUI?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford low physical damage deductibles?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Nissan Maxima.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like X-ray expenses, doctor visits, funeral costs and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as attorney fees, legal defense fees, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, crashing into a ditch, hitting a mailbox and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Shop around and save

Cheaper 2002 Nissan Maxima insurance is definitely available both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not have internet price quotes and these regional carriers provide coverage only through independent agencies.

In this article, we presented a lot of tips how to get a better price on 2002 Nissan Maxima insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheaper auto insurance. Drivers may discover the best prices are with a small mutual company.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Additional detailed information can be read at these sites:

Comments About 2002 Nissan Maxima Insurance

  1. Peggy Eaton

    Proud to be from Los Angeles, California and for me GEICO had the lowest quote. Was with Hartford. It was easy to get rates. Just liability coverage since it’s getting old.

  2. Aleshia Shepard

    I got decent rates for a 2002 Nissan Maxima in Charleston, SC. Ended up at roughly $90 every six months with American Family. I’m thinking about dropping full coverage though.

  3. Pat Velazquez

    If you’re a decent driver and live near Jackson, Mississippi, check out State Farm. You might get cheaper rates. Insured with Encompass before. I have a teen driver too. Full coverage costs too much.

  4. Casey Henry

    If you don’t have tickets and live in the vicinity of Rapid City, SD, check out GEICO. You might get cheaper rates. Have a couple speeding tickets too.

  5. Angelena Lang

    I’m in Omaha, Nebraska and need high risk coverage. Help!

  6. Elva Burke

    I found cheap 2002 Nissan Maxima insurance in Bridgeport, CT with GEICO.

  7. Tanner Pitts

    2002 Nissan Maxima + GEICO = GOOD RATES!

  8. Robin Underwood

    I went with Progressive at renewal. Best rates in Bismarck, North Dakota. Not worth enough to pay for comprehensive and collision.

  9. Kelly Mcclain

    Thought I’d throw in my experience. I’m from Providence, RI. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the cheapest for me. Was with Erie. Not sure about claim service.

  10. Daniel Medina

    I think Allstate has low rates in New Hampshire. For me anyway.

  11. Roseanna Mills

    This is too expensive. I’m in the east part of Saint Paul, MN. Received rates from Amica, Sentry, and a few others for my Maxima and I think I am saving around $20 each month. Insured with Encompass before. Even increased coverage a bit. I used their website to get prices.

  12. Charlene Ortiz

    From northwest of Indianapolis, Indiana. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with Hartford.