Compare 1997 Nissan Maxima Car Insurance Quotes

Searching for lower auto insurance rates for your Nissan Maxima? Are you overwhelmed by the sheer number of auto insurance options? You have a lot of company. Drivers have so many options available that it can easily become a real challenge to compare prices.

You should take the time to do rate comparisons before your policy renews because prices change quite often. Just because you found the best price on Maxima insurance last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

Free Quotes for Auto Insurance

When shopping for auto insurance there are multiple ways of comparing rates and find the best price. The easiest way to find the cheapest 1997 Nissan Maxima insurance rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

• One of the best ways to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form submissions for each company you want a rate for. Filling out one form will get you rate comparisons from several companies. Just one form and you’re done.
• A more difficult way to find lower rates requires visiting each company website and complete a new quote form. For examples sake, we’ll assume you want rates from Farmers, State Farm and Allstate. You would have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

  For a list of links to insurance companies in your area, click here.

• The least efficient method to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you want the trained guidance only provided by licensed agents. However, consumers can find lower rates online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same quote information for every quote you compare. If the quotes have different deductibles it will be very difficult to determine the lowest rate for your Nissan Maxima. Slightly different insurance coverages may result in large price differences. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting a better price.

How to know if you need help

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions can help discover if you might need professional guidance.

• How much liability coverage do I need in my state?
• Am I covered when driving on a suspended license?
• Am I covered when driving in Canada or Mexico?
• Am I covered if I crash into my own garage door?
• Do I need PIP coverage since I have good health insurance?
• Am I covered when driving a rental car?
• Does my insurance cover a custom paint job?
• What are the financial responsibility laws in my state?
• When do I need to add a new car to my policy?
• Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Insurance policy coverages for a 1997 Nissan Maxima

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability coverages

Liability coverage protects you from damage or injury you incur to people or other property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, attorney fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as EMT expenses, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Nissan Maxima.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, damage from flooding, hitting a deer, a tree branch falling on your vehicle and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This covers damage to your Maxima caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.