2003 Nissan Maxima Insurance Quotes

I can’t think of anyone who likes having to buy auto insurance, especially when they are paying too much. Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute lowest cost out there.

It’s a great practice to compare prices yearly since rates tend to go up over time. Despite the fact that you may have had the best price on Maxima insurance six months ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Buying car insurance is not rocket science. Vehicle owners just need to understand the most efficient way to get comparison quotes online.

How to Get Car Insurance Comparison Quotes

Reducing your 2003 Nissan Maxima insurance rates can be quick and easy. All that’s required is to take time comparing price quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  1. The first (and easiest) way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for a different quote for every car insurance company. A single, simple form will get you price quotes from multiple low-cost companies.
  2. A less efficient way to compare prices requires visiting the website for each individual company to request a price quote. For example, let’s say you want comparison quotes from Nationwide, 21st Century and Progressive. To get each rate you have to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever method you choose, double check that you are using the exact same coverages and limits with every price quote. If you use higher or lower deductibles it will be next to impossible to decipher which rate is best.

Beware of misleading auto insurance ads

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of State Farm, Geico and Progressive. All the companies say the same thing of big savings after switching your coverage to them.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a desirable insured might be a mature driver, has no tickets, and chooses high deductibles. Any new insured who matches those parameters will get very good rates and as a result will probably save when switching.

Potential insureds who don’t meet this ideal profile will be quoted higher premiums which usually ends up with business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings.

This emphasizes why it’s extremely important to compare many company’s rates. You cannot predict the company that will provide you with the cheapest Nissan Maxima insurance rates.

Nissan Maxima insurance rates have many determining factors

It’s important that you understand some of the elements that go into determining your insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to better insurance rates.

  • High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you. If your Nissan scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Having a spouse can save you money – Getting married helps lower the price on insurance. It translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Liability coverage is cheap – The liability section of your policy will protect you in the event that a court rules you are at fault for damages from an accident. It will provide legal defense which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • With age comes lower rates – Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be less responsible when behind the wheel and because of this, their insurance rates are much higher.
  • More claims means more premium – Companies give cheaper rates to people who do not file claims often. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for larger claims.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Most are applied at quote time, but a few need to be requested specifically before being credited. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Multiple Policy Discount – If you have multiple policies with one company you will save 10% to 20% off each policy.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Student in College – Any of your kids who live away from home and don’t have a car can be insured at a reduced rate.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way. But all discounts will cut your premiums.

For a list of insurers offering auto insurance discounts, click here to view.

How much car insurance do I need?

When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • When should I not file a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I really need UM/UIM coverage?
  • Is extra glass coverage worth it?
  • Are my tools covered if they get stolen from my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance 101

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Coverage for liability

This coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles, attorney fees and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as chiropractic care, pain medications, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle and vandalism. 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 removing comprehensive coverage.

A penny earned…

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. Too many times, an insured dropped uninsured motorist or liability limits only to regret that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price.

Cheaper 2003 Nissan Maxima insurance can be purchased on the web as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

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