View 2016 Nissan Maxima Car Insurance Quotes

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?

These discounts can lower your auto insurance quotes

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.

  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can get savings as much as 30%.
  • Defensive Driver Discount – Taking time to complete a defensive driving course could save 5% or more if you qualify.
  • Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • New Car Discount – Adding a new car to your policy can get you a discount compared to insuring an older model.
  • Driving Data Discount – Drivers who elect to allow their auto insurance company to scrutinize when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
  • Sign Online – Some of the larger companies give back up to $50 for buying your policy on the internet.
  • Driver’s Ed – Require your teen driver to participate in a local driver’s education class if it’s offered in school.

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:

  • Geico may include discounts for multi-policy, federal employee, defensive driver, driver training, emergency military deployment, and anti-theft.
  • Auto-Owners Insurance has discounts for company car, paperless, anti-theft, multi-policy, multiple vehicles, paid in full, and good student.
  • American Family offers discounts for air bags, TimeAway discount, good driver, defensive driver, and Steer into Savings.
  • Esurance has savings for good driver, anti-theft, Pac-12 alumni, online shopper, safety device, and online quote.
  • Progressive offers premium reductions for homeowner, online signing, online quote discount, multi-policy, and continuous coverage.
  • State Farm may offer discounts for driver’s education, anti-theft, multiple autos, defensive driving training, accident-free, and Drive Safe & Save.
  • AAA discounts include pay-in-full, education and occupation, multi-policy, AAA membership discount, and good driver.

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.

Compare free auto insurance price quotes

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.

Lower your insurance costs

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.

  • Only buy what you need – Insurance policies have a lot of extra bells and whistles that may not really be needed on your 2016 Maxima policy. Coverages like personal injury protection, high-cost glass coverage, and extra equipment coverage may be costing you every month. They may seem like a good idea when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
  • See if your company offers a multi-policy discount – Most major auto insurance companies will give discounts to clients that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be five, ten or even twenty percent. Even though this discount sounds good, drivers will still want to compare other insurance prices to guarantee you are still saving the most.
  • Safety first – Safer cars get lower rates. Safer cars protect occupants better and lower rates of occupant injuries means less money paid by your insurance company which can mean better rates for you.
  • Single drivers take more risk – Having a spouse may save some money on your auto insurance bill. Having a spouse usually means you are more mature and responsible and statistics show being married results in fewer claims.
  • Do thieves like your car? – Purchasing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft and help lower rates.

Different people need different auto insurance coverages

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.

  • Are all vehicle passengers covered by medical payments coverage?
  • Can my teen drive my company car?
  • When should my teen driver be added to my policy?
  • I have health insurance so do I need medical payments coverage?
  • Can I still get insurance after a DUI?
  • When can I cancel my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I getting all the discounts available?
  • Am I better off with higher deductibles on my 2016 Nissan Maxima?

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.

Car insurance 101

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.

Insurance for medical payments

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

Uninsured Motorist or Underinsured Motorist insurance

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.

Liability coverage

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.

Coverage for collisions

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 coverage (or Other than Collision)

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.

Quote often and quote early

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

Comments About 2016 Nissan Maxima Insurance

  1. Arnette Carey

    I’m in Kansas City, KS, and 21st Century rates were affordable.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. Jaymie Delacruz

    In Cleveland, OH, 21st Century is a good choice. Even increased my liability limits.

  10. 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.

  11. 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.

  12. 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.

  13. 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.