Lower Your 2013 Nissan Maxima Insurance Cost

Looking for better car insurance rates for your Nissan Maxima? Paying for overpriced Nissan Maxima insurance can take a big chunk out of your savings and force you to cut corners elsewhere. Price shopping at each renewal is a fast and free way to lower your monthly bill.

Due to the abundance of online and local companies to choose from, it can be hard to pick the lowest price insurer.

Smart choices result in lower insurance premiums

Lots of factors are used when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are more obscure like where you live and annual miles driven.

• Gender and car insurance prices – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into auto accidents in similar numbers, but men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving.
• Youthful vs. older drivers – Youthful drivers tend to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher. Having to add a inexperienced driver to your policy can be very expensive. Older insureds have been proven to be more responsible, file fewer claims , and are generally more financially stable.
• Save miles and save money – The higher the mileage driven in a year the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars that are left in the garage can get a lower rate compared to those used for work or business. Verify your declarations sheet shows the correct usage for each vehicle. A policy that improperly rates your Maxima may be wasting your money.
• Higher coverage deductibles are cheaper – Protection for physical damage, aka comp and collision, covers damage that occurs to your Nissan. A few examples of covered claims would be collision with another vehicle, collision with an animal, and having your car stolen. The deductibles represent how much money you are willing to pay if a covered claim is submitted. The more money you have to pay, the better rate you will receive on Maxima coverage.
• Low stress employer equals lower rates – Occupations such as fire fighters, business owners and emergency personnel usually pay higher premiums than the average policyholder due to intense work-related stress and lengthy work days. Other careers like professors, students and homemakers receive lower rates on Maxima coverage.

The best way to compare car insurance company rates is to understand most of the larger companies participate in a system to provide you with free rate quotes. The only thing you need to do is give them some information like how much education you have, whether your vehicle is owned or leased, what you do for a living, and the year, make and model of vehicles. Your insurance information gets transmitted to insurance companies and they return quotes very quickly.

The insurance coverage bait and switch

Consumers get pounded daily by advertisements that promise big savings from the likes of Geico, State Farm and Progressive. All the ads have a common claim that you’ll save big just by switching to their company.

How is it plausible that every one can make the same claim?

Insurance coverage companies have specific guidelines for the type of insured that makes them money. A good example of this type of driver may be over the age of 45, has had continuous coverage, and drives newer vehicles. Any driver who matches those parameters will get low rates and will most likely cut their rates substantially.

Insureds who do not match the “perfect” profile will be charged higher premiums which results in business not being written. The wording the ads use say “drivers that switch” but not “all drivers who get quotes” save the amount stated. That’s why companies can make claims like that. Because each company has a different risk profile, it’s extremely important to do a rate comparison at every renewal. Because without a comparison, you cannot know which insurance coverage company will have the lowest rate quotes.

You may qualify for discounts

Insurance is neither fun to buy or cheap, but you might find some hidden discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of quoting, but less common discounts must be specifically requested before you get the savings.

• Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Maxima coverage than drivers with accident claims.
• Claim Free – Good drivers with no accidents can earn big discounts as opposed to drivers with a long claim history.
• Distant Student Discount – College-age children who are enrolled in higher education away from home and don’t have a car can receive lower rates.
• Driving Data Discount – Drivers who agree to allow their insurance company to monitor their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if their driving habits are good.
• Low Mileage Discounts – Low mileage vehicles may allow you to get lower insurancerates on the low mileage vehicles.
• Early Switch Discount – A few insurance companies allow discounts for renewing your policy before your current coverage expires. It can save you around 10%.
• Discount for New Cars – Putting insurance coverage on a new car can save you some money because new model year vehicles are generally safer.
• Waiver for an Accident – This one isn’t a discount, but companies like Allstate, State Farm and Geico will allow you to have one accident without getting socked with a rate hike as long as you don’t have any claims for a set time period.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.

It’s important to note that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

It’s a good idea to ask all companies you are considering how many discounts you can get. Some credits may not apply to policies everywhere. To locate insurers with discount insurance rates, click here to view.

There’s no such thing as the perfect insurance policy

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs may require specific advice.

• Do I need to file an SR-22 for a DUI in my state?
• Am I covered when driving on a suspended license?
• Are rental cars covered under my policy?
• Is my custom paint covered by insurance?
• What is the difference between comprehensive and collision coverage?
• Can I afford low physical damage deductibles?
• Am I missing any policy discounts?
• Should I buy only the required minimum liability coverage?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Maxima.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle, crashing into a ditch, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like loss of income, court costs, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Med pay and PIP coverage reimburse you for bills for X-ray expenses, funeral costs, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield, hitting a bird and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

A little work can save a LOT of money

Throughout this article, we presented some good ideas how to compare 2013 Nissan Maxima insurance car insurance rates online. The key thing to remember is the more you quote car insurance, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

Cost effective 2013 Nissan Maxima insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not offer rate quotes online and these smaller providers only sell through independent agents.

Other resources

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• How to Avoid Staged Accidents (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Neck Injury FAQ (iihs.org)