Cheaper 2014 Nissan Maxima Insurance Quotes

Having to pay for pricey auto insurance can stress out your funds and make it hard to pay other bills. Comparison shopping is a fast and free way to make sure you’re not throwing money away.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute cheapest price

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Certain credits will be shown at the time you complete a quote, but a few need to be manually applied before you will receive the discount.

• Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you will save up to 20% off your total premium.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save a little off PIP or medical payments premium.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you could save 5% or more.
• Accident Waiver – Not necessarily a discount, but companies like Geico and Allstate will turn a blind eye to one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
• Telematics Data – Drivers who agree to allow their insurance company to track driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if their driving habits are good.
• Safety Course Discount – Taking part in a course in safe driver may get you a small discount depending on where you live.
• Paperless Signup – Some auto insurance companies may give you up to $50 for buying your policy digitally online.

One last thing about discounts, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few popular companies and some of the discounts are detailed below.

• Geico policyholders can earn discounts including air bags, daytime running lights, five-year accident-free, multi-policy, anti-theft, and emergency military deployment.
• MetLife has savings for defensive driver, good driver, multi-policy, good student, and accident-free.
• Progressive offers discounts including online quote discount, good student, online signing, multi-policy, continuous coverage, and multi-vehicle.
• Travelers offers discounts for multi-car, student away at school, IntelliDrive, multi-policy, and new car.
• SAFECO may have discounts that include bundle discounts, anti-lock brakes, teen safety rewards, drive less, safe driver, and multi-car.
• AAA offers premium reductions for AAA membership discount, multi-car, pay-in-full, good student, anti-theft, and multi-policy.

If you are trying to find affordable insurance coverage quotes, ask all the companies which discounts they offer. Some of the earlier mentioned discounts might not apply in your area. To locate insurance companies who offer auto insurance discounts, click this link.

First Step: Get free car insurance quotes

Many insurance companies like State Farm and Allstate provide prices on the web. Doing online price comparisons is quite simple because you just enter your personal and coverage information into the quote form. Once entered, their quoting system collects information on your driving record and credit history and generates pricing information determined by many factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit several different sites and type in the same data is a big time waster. But it is imperative to compare as many rates as possible if you want to find better prices.

A more efficient way to compare rates utilizes a single form that obtains quotes from several different companies. The form is fast, requires less work, and makes online price comparison a lot less work. As soon as the form is sent, it is rated and you can select your choice of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

To compare pricing, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as they are listed on your policy. Doing this assures you’re receiving rate comparison quotes for similar insurance coverage.

Why you might pay lower rates

Many things are used when you get your auto insurance bill. Some are pretty understandable such as your driving record, but others are less obvious like where you live or your commute time.The best way to find cheaper insurance is to take a look at some of the things that help determine your insurance rates. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find lower rates.

• Liability coverage is peace of mind – A critical coverage on your policy, liability insurance is the protection if ever a court rules you are at fault for an accident. Your liability coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
• Physical damage deductibles – Your deductibles are the amount of money you are willing to pay if a covered claim is submitted. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims would be a windshield broken by a bird, damage caused by hail, and having a roll-over accident. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Maxima insurance.
• Premiums increase with driving tickets – Whether or not you get tickets has a huge affect on how much you pay. Having just one chargable violation can increase rates substantially. Attentive drivers have lower premiums compared to bad drivers. Drivers unfortunate enough to have serious tickets like DUI or willful reckless driving may be required to maintain a SR-22 with their state’s licensing department in order to keep their license.
• Guys pay more for auto insurance – Statistics show that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. They both are in accidents at a similar rate, but the male of the species have costlier accidents. Men also get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high insurance rates.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation might need an agent’s assistance.

• Is my dog or cat covered if injured in an accident?
• Why do I only qualify for high-risk insurance?
• Can I make deliveries for my home business?
• What if I total my 2014 Nissan Maxima and owe more than it’s worth?
• Does liability extend to a camper or trailer?
• When would I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Can you really save $400 a year?

Drivers can’t get away from ads for cheaper insurance by companies like State Farm and Allstate. All the companies make the same claim that drivers can save some big amount if you change your coverage.

How does every company charge you less for car insurance? It’s all in the words they use.

Different companies have specific guidelines for the type of customer that will not have excessive claims. For instance, this type of driver could possibly be a mature driver, carries high limits, and has great credit. Any driver who fits those characteristics will get the preferred car insurance rates and will also save when switching.

Potential insureds who may not quite match these standards will have to pay more expensive rates with the end result being the customer not buying. The trick is to say “drivers who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can make those claims.

This really emphasizes why drivers should get price quotes at each policy renewal. It is impossible to guess which insurance company will have the best car insurance rates for your profile.

Auto insurance coverages

Knowing the specifics of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Auto liability insurance

This provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, medical services, structural damage and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Nissan Maxima.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, falling objects, rock chips in glass, damage from getting keyed and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This will pay to fix damage to your Maxima resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for surgery, nursing services, prosthetic devices, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

More comparisons equals lower rates

More affordable insurance is possible on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get quotes online and usually these regional insurance providers work with independent agents.

You just read a lot of ways to lower your 2014 Nissan Maxima insurance car insurance rates. The key concept to understand is the more providers you compare, the better chance you’ll have of finding the cheapest insurance coverage. You may even discover the lowest priced insurance comes from some of the smallest insurance companies. These companies often have lower premium rates on specific markets than their larger competitors like State Farm or Progressive.

When buying insurance coverage, never skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Additional information is available at these links:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Event Data Recorders FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)