Buying cheaper insurance on the internet may at first seem to be impossible for people who are beginners to quoting and comparing rates online. With such a big selection of agents and companies competing online, how are we expected to effectively compare every one to find the best available price?
Insurance can cost an arm and a leg, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be specially asked for before you get the savings.
Remember that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower your overall bill.
A list of companies and a selection of discounts include:
If you are trying to find affordable car insurance quotes, ask each insurance company to give you their best rates. Depending on the company, some discounts may not apply to policyholders in every state. To locate auto insurance companies offering auto insurance discounts, click here.
Comparing auto insurance rates can take hours if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.
All the larger companies enroll in a system that enables customers to enter their coverage request one time, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions for every auto insurance company. To compare rates using this form now click here to open in new window.
The one disadvantage to getting quotes like this is that consumers can’t choose which carriers to get pricing from. So if you want to choose individual companies to compare prices, we have a page of companies who write auto insurance in your area. View list of insurance companies.
The approach you take is up to you, just try to keep nearly identical deductibles and coverage limits for each comparison quote. If the quotes have different data it’s not possible to decipher which rate is best. Just a small difference in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing all the rates in your area helps improve the odds of finding better pricing. Some companies don’t provide price estimates online, so you also need to get rates from the smaller companies as well.
Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are more obscure like your continuous coverage or your vehicle rating.
When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique.
For example, these questions can help discover whether your personal situation might need an agent’s assistance.
If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, hospital visits, nursing services, surgery and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Nissan Maxima.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.
This coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers things such as loss of income, funeral expenses, legal defense fees, repair costs for stationary objects and structural damage. 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 insurance will pay to fix damage to your Maxima resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like scraping a guard rail, backing into a parked car, hitting a mailbox and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as damage from flooding, theft, damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Insureds leave their current company for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, not issuing a premium refund or delays in responding to claim requests. Regardless of your reason, switching companies can be pretty painless.
We just covered some good ideas how to lower your 2016 Nissan Maxima insurance prices. The most important thing to understand is the more you quote car insurance, the better chance you’ll have of finding cheaper car insurance. Consumers could even find that the lowest prices are with a small local company.
A few companies do not offer internet price quotes and many times these regional carriers sell through independent agents. Lower-priced car insurance can be purchased both online and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from.
Additional information can be found at the links below
Arnette Carey
I’m in Kansas City, KS, and 21st Century rates were affordable.
Maida Justice
Like your site, BTW. Located in Eugene, OR. Went online for free insurance quotes for a 2016 Nissan Maxima. Ended up at about $530 savings annually. Went with State Farm.
Ethelene Daugherty
I found pretty cheap rate quotes for a 2016 Nissan Maxima in Norman, OK. Ended up at right around $210 every six months with Auto-Owners. I’m a pretty good driver though.
Beryl Sheppard
I live on the east side of Nashville, TN. Quoted rates from MetLife, Esurance, GEICO, and American Family for my Maxima and I’m now saving $25 a month. Switched homeowners coverage too.
Octavio Dale
Here’s my quote info. From south side of Rio Rancho, New Mexico. I quoted with MetLife, Encompass, Allstate, and AAA for my 2016 Nissan Maxima and saved $179 a year.
Ludivina Atkins
Live in the southern part of Lewiston, Maine. Received rates from 21st Century, AAA, and Farmers for my 2016 Nissan Maxima and saved $330 a year. It’s easy to compare rates online now.
Josefa Bradshaw
Cheap car insurance? What’s that? Got a quote with Travelers for my 2016 Nissan Maxima and saved around $500 a year. Was with Erie.
Zula Walters
I got a good deal I think. From south side of New Haven, CT. Compared quite a few companies. Saved darn near $70 a month. State Farm was the cheapest option for me.
Jaymie Delacruz
In Cleveland, OH, 21st Century is a good choice. Even increased my liability limits.
Jeannie Salazar
Corporate greed I’m telling you. I’m from San Diego, CA. Got quotes from Western Auto Insurance, AAA, Hanover, and Nationwide for my Maxima and I’m now saving $63 a month. I’m a pretty good driver though. I used their website to get prices.
Marielle Pope
Got a quote with Liberty Mutual for my 2016 Nissan Maxima and am saving around $300 a year. I get multi-vehicle and multi-policy discounts. Not sure about claim service.
Monnie Foreman
Enjoyed the article. Proud to be from Anchorage, AK. I got free prices from USAA, AAA, Hanover, and MetLife for my Maxima and saved $94 a year. Was with Progressive. Not sure if rates are cheaper online or not.
Yael Noel
Cheap car insurance? What’s that? I live just to the south of New Orleans, Louisiana. Quoted quotes with American Family, Farmers, and Sentry for my Nissan and saved $236 a year.