View 2014 Nissan Maxima Insurance Quotes

Looking for cheaper insurance rates? Shoppers have options when shopping for the best price on Nissan Maxima insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a better way to shop for insurance and we’ll show you the best way to quote coverages for your Nissan and get the best price possible from local insurance agents and online providers.

It’s smart to shop coverage around at least once a year because prices are variable and change quite frequently. Even if you think you had the lowest price for Maxima coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Consumers only need an understanding of the proper way to compare company rates on the web.

Nissan Maxima rates influenced by many factors

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in better insurance rates.

The following are some of the factors used by your company to calculate premiums.

  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Men and women have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as DWI and reckless driving.
  • Don’t let your coverage lapse – Having an insurance coverage lapse will be a guaranteed way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage when a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Older drivers pay less – Young drivers are known to be more careless when driving so they pay higher insurance rates. Parents adding a young driver onto your insurance can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Extra add-on coverages are wasting money – There are a ton of extra bells and whistles that you can buy when buying insurance. Coverages like roadside assistance, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and lower rates for you. If the Nissan Maxima scored better than four stars on Safercar.gov you are probably receiving a discount.

Pay less by taking advantage of discounts

Car insurance companies don’t always advertise all their discounts very clearly, so we researched both the well known and also the lesser-known auto insurance savings. If you’re not getting every credit available, you’re paying more than you need to.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save 10% to 20% off each policy.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy over the internet.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

It’s important to note that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of insurers offering auto insurance discounts, click this link.

The car insurance bait and switch

Consumers constantly see and hear ads for cheaper car insurance by companies like Allstate and Progressive. They all seem to say the same thing that you’ll save big if you change to them.

But how can every company claim to save you money?

All the different companies have a preferred profile for the type of customer they prefer to insure. For example, a preferred risk could possibly be over the age of 50, has no tickets, and has excellent credit. Any driver that hits that “sweet spot” will get very good rates and therefore will save when switching.

Consumers who don’t meet the “perfect” profile must pay more money which leads to the customer not buying. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully advertise the way they do. This illustrates why you need to compare many company’s rates. It’s just too difficult to predict which car insurance company will have the lowest Nissan Maxima insurance rates.

Your coverage should be tailored to you

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

  • Do I need more liability coverage?
  • What is the ISO rating for a 2014 Nissan Maxima?
  • Is business property covered if stolen from my car?
  • Why does it cost so much to insure a teen driver?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is roadside assistance coverage?
  • Do I need added coverage for expensive stereo equipment?
  • Does my policy pay for OEM or aftermarket parts?
  • Will my rates increase for filing one claim?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses like EMT expenses, pain medications, chiropractic care, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your Maxima caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Auto liability insurance

This coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like bail bonds, pain and suffering, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive auto coverage

This pays for 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 coverage pays for claims like a broken windshield, hitting a bird, vandalism, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote often and quote early

We covered many tips how you can reduce 2014 Nissan Maxima insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the best price on insurance is with some of the lesser-known companies.

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

Consumers leave their current company for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, poor customer service and even policy non-renewal. Whatever your reason, switching companies can be easy and end up saving you some money.

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