2010 Nissan Maxima Insurance Rates – 6 Ways to Save

Consumers have options when looking for the best price on Nissan Maxima insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to find the lowest rates.

There is a right way and a wrong way to compare car insurance rates so you’re going to learn the absolute fastest way to get price quotes for your Nissan and get the lowest possible price.

You need to compare prices on a regular basis since insurance prices are rarely the same from one policy term to another. If you had the lowest price on Maxima insurance a couple years back you may be paying too much now. Forget all the misinformation about car insurance because you’re about to find out the easiest way to find better coverage at a better price.

Get lower rates with these six discounts

Companies do not list every available discount in a way that’s easy to find, so the list below details a few of the more well known and the harder-to-find insurance coverage savings.

• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on car insurance quote as compared to bad drivers.
• Accident Forgiveness Coverage – Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Save with More Vehicles Insured – Buying insurance for all your vehicles on a single policy can get a discount for every vehicle.
• Seat Belts Save – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Low Miles Discount – Low mileage vehicles can earn discounted premium rates on garaged vehicles.

Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will bring down your premiums.

To choose companies who offer online insurance coverage quotes, click here.

How much is insurance coverage?

Finding a lower price on 2010 Nissan Maxima insurance is a great way to save money. You just have to spend a few minutes to compare free car insurance quotes to find the company with inexpensive car insurance quotes. This can easily be done using a couple different methods.

• Without a doubt, the easiest way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form entry for every company. One simple form gets you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
• A more time consuming way to analyze rates consists of visiting the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you are doing a rate comparison from Allstate, Geico and Farmers. To do that, you would have to go to every website and repeatedly enter your information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but do your best to use apples-to-apples deductibles and coverage limits for every quote you compare. If you have unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

Insurance can be complex

When choosing the right insurance coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

• Is there coverage for injuries to my pets?
• When do I need to add a new car to my policy?
• How can I get my company to pay me more for my totalled car?
• How can I force my company to pay a claim?
• Do I need higher collision deductibles?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and Geico. All the companies advertise the message about savings if you get a free car insurance quote and switch your coverage to them.

That’s great but how can every company offer drivers better rates? You have to listen carefully.

Most companies have an ideal profile for the type of driver that will be a good risk. For example, a profitable customer could possibly be over the age of 50, has no claims, and drives a car with an anti-theft system. Any customer that matches those criteria may get the lowest prices and have a good chance to save if they switch.

Potential customers who fall outside the “perfect” profile may receive a higher premium which translates to business going elsewhere. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” save money. That is how companies can state the savings.

Because of the profiling, you really should get as many free car insurance quotes as possible. It’s impossible to know which insurance companies will have the best rates.

What car insurance coverages do you need?

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – This covers 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 fire damage, damage from flooding and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2010 Nissan Maxima.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for liability – This protects you from injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, court costs, loss of income, legal defense fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Be a penny pincher

Lower-priced insurance coverage is definitely available online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies do not provide price quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

People change insurance companies for any number of reasons including an unsatisfactory settlement offer, denial of a claim, lack of trust in their agent or even being labeled a high risk driver. Whatever your reason, choosing a new company is less work than it seems.

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

For more information, take a look at the articles below:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)