How Much Does 2012 Nissan Maxima Insurance Cost?

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance. Companies like Geico, Farmers Insurance and State Farm persitently shower you with ad campaigns and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a great practice to check car insurance prices quite often because insurance rates are constantly changing. If you had the best rates on Maxima insurance on your last policy there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because it’s time to teach you the quickest way to properly buy coverages and cut your premium.

If you have insurance now or need new coverage, you can use this information to cut your premiums and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to understand the most efficient way to compare prices online.

Car Insurance Prices

Finding lower car insurance rates is actually quite simple. All you need to do is spend a few minutes comparing rates online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • Probably the best way to find low rates would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating multiple quote forms for every car insurance company. Filling out one form gets you price quotes from all major companies.
  • A more time consuming way to get quotes online is going to the website for every company you want to comare and fill out their own quote form. For instance, let’s assume you want comparison quotes from Farmers, Progressive and Geico. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular.

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

  • The most time-consuming way of getting rate comparisons is to drive around to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you want the professional guidance that only a license agent can provide. Drivers can get the lowest quotes online and still use a local agent. We’ll cover that shortly.

Whichever way you use, compare the exact same quote information for each comparison quote. If your comparisons have differing limits it’s not possible to make an equal comparison.

Policy discounts you shouldn’t miss

Car insurance companies don’t list all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden auto insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Memberships – Being a member of a civic or occupational organization could qualify you for a break on auto insurance on Maxima insurance.
  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Accident Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Senior Discount – Mature drivers can possibly qualify for a small decrease in premiums on Maxima insurance.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that may offer these money-saving discounts are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts may not apply in your state.

Why your Nissan Maxima might be costing you more

It’s important that you understand the different types of things that help determine the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to big savings.

  • More claims means more premium – If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to insureds who file claims infrequently. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Never go without insurance – Driving without insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. Not only will rates go up, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both have accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Your car insurance rates can be influenced by your job – Careers like lawyers, executives and stock brokers tend to pay the highest rates in part from high stress levels and lengthy work days. On the other hand, occupations like scientists, students and retirees have the lowest average rates on Maxima insurance.
  • Consolidate policies to earn discounts – Some insurance companies will give a discount to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare other company rates to make sure you are getting the best deal. Drivers may still find a better deal by buying insurance from more than one company.
  • A clean driving record saves money – Your driving citation history has a big impact on rates. Just one citation may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. Drivers who have serious citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with the DMV in their state in order to continue driving.

Insurance agents can help

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • What are the best liability limits?
  • Will my insurance pay for OEM parts?
  • Do I have newly-aquired coverage?
  • Am I covered if I crash into my own garage door?
  • Why is insurance for a teen driver so high?
  • Am I better off with higher deductibles on my 2012 Nissan Maxima?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverage basics

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Comprehensive auto insurance – This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, hail damage, hitting a deer and fire damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability car insurance – This coverage will cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like medical services, repair costs for stationary objects, pain and suffering and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – This coverage covers damage to your Maxima from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they 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.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like X-ray expenses, funeral costs, nursing services, chiropractic care and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Never pay more for less

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Throughout this article, we presented some good ideas how to get a better price on 2012 Nissan Maxima insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest priced auto insurance comes from the least-expected company. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

Affordable insurance is attainable on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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