2018 Nissan Maxima Car Insurance Cost – 8 Tips for Cheaper Prices

Want the cheapest auto insurance rates for your Nissan Maxima? Trying to find the cheapest insurance for your Nissan Maxima can be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are more efficient ways to compare auto insurance rates and you need to know the best way to price shop coverage for your Nissan and find the lowest price from both online companies and local agents.

Consumers should take time to take a look at other company’s rates yearly since insurance prices are variable and change quite frequently. Just because you found the best deal for Maxima coverage at your last renewal you can probably find a better rate quote now. Ignore everything you know about auto insurance because we’re going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

These eight discounts can cut auto insurance rates

Some insurers don’t always list all available discounts in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious discounts that may be available.

  • Multiple Cars – Buying insurance for more than one vehicle on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Discount for Home Ownership – Owning a house may earn you a small savings since home ownership is proof of financial responsibility.
  • ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
  • Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up could cut 10% or more on medical payment and PIP coverage.
  • College Student – Youth drivers who attend college more than 100 miles from home and do not take a car to college can receive lower rates.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums for Maxima coverage.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

The best auto insurance companies and some of their more popular discounts include:

  • Farm Bureau offers discounts for 55 and retired, safe driver, renewal discount, good student, youthful driver, multi-policy, and driver training.
  • Liberty Mutual may have discounts that include teen driver discount, good student, safety features, new vehicle discount, newly retired, and new move discount.
  • State Farm includes discounts for anti-theft, accident-free, multiple policy, student away at school, safe vehicle, and Drive Safe & Save.
  • Auto-Owners Insurance policyholders can earn discounts including teen driver, company car, student away at school, multi-policy, and paid in full.
  • GEICO may offer discounts for defensive driver, good student, membership and employees, military active duty, emergency military deployment, and multi-vehicle.
  • SAFECO offers discounts including teen safe driver, anti-lock brakes, safe driver, drive less, teen safety rewards, and bundle discounts.

Check with every insurance company the best way to save money. Some of the discounts discussed earlier may not be available in your area. To see a list of companies that offer many of these discounts, click this link.

But they said I’d save $445 a year!

Drivers can’t ignore all the ads for auto insurance savings from the likes of 21st Century, Allstate and State Farm. They all seem to advertise claims that people will save just by switching your coverage.

How does every company charge less that you’re paying now? It’s all in the words they use.

Insurance companies have strict underwriting profiles for the type of driver they prefer to insure. A good example of a profitable risk profile may need to be a mature driver, owns a home, and does not commute to work. Someone that meets those criteria gets the lowest premium rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for those criteria will be quoted higher prices and ends up with the prospect going elsewhere. The wording the ads use say “drivers that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can confidently make those claims.

Because of these techniques, drivers should do a quote comparison often. Because you cannot predict the company that will provide you with the cheapest prices.

When do I need an agent’s advice?

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • Should I get collision insurance on every vehicle?
  • Do I need replacement cost coverage on my 2018 Nissan Maxima?
  • Is my trailer covered?
  • Do I need rental car coverage?
  • Do I really need UM/UIM coverage?
  • Are my friends covered when driving my 2018 Nissan Maxima?
  • Do I need an umbrella policy?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage will pay to fix damage to your Maxima resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, hitting a bird and fire damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, doctor visits, hospital visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Money doesn’t grow on trees

When getting insurance coverage quotes online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

The cheapest 2018 Nissan Maxima insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not provide rates over the internet and many times these smaller providers prefer to sell through local independent agents.

In this article, we covered some good ideas how to shop for 2018 Nissan Maxima insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from some of the lesser-known companies.

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Comments About 2018 Nissan Maxima Insurance

  1. Chung Acosta

    I’ve bought from GEICO forever. Cheapest rates in Louisville, KY.

  2. Tamekia Adkins

    Good detail in your article. I live on the north side of Providence, RI. Received rates from State Farm, Amica, and Erie for my Nissan and saved $553 a year. Insured with Sentry before. They have a lot of discounts available.

  3. Mamie Odonnell

    Does Indiana have minimum liability laws?