2002 Nissan Maxima Car Insurance Rates – 8 Tricks for Best Quotes

Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say there are many consumers feeling the pinch from expensive auto insurance.

Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to find the cheapest price

Consumers should take time to compare rates quite often since insurance rates change quite often. Even if you think you had the lowest rates for Maxima insurance last year other companies may now be cheaper. Don’t believe everything you read about auto insurance on the web, but by reading this article, you’re going to learn some tested techniques to find cheap auto insurance.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but you can get discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be inquired about prior to getting the savings.

  • Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy could earn a price break for each car.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Maxima insurance than drivers with accident claims.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

Keep in mind that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you could get a free insurance policy, it just doesn’t work that way. Any qualifying discounts will help reduce the amount you have to pay.

Companies who might offer these money-saving discounts include:

Before buying, ask each insurance company which discounts they offer. Some discounts may not be available in your area.

Everyone needs different coverages

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • What is PIP insurance?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I put collision coverage on all my vehicles?
  • Should I buy additional glass protection?
  • Do I need more liability coverage?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance coverages for a 2002 Nissan Maxima

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability 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 total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Maxima resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, nursing services, doctor visits, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, damage from getting keyed, theft and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

The best insurance company isn’t always the cheapest

When you buy insurance online, do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and learned later they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest price.

Lower-priced 2002 Nissan Maxima insurance can be purchased both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide online price quotes and these smaller companies work with independent agents.

More detailed insurance coverage information can be found at these sites: