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Nissan Maxima Insurance Cost

Finding cheaper car insurance on the web saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible in order to have the lowest rate quotes.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. By far the easiest way to compare Maxima insurance rates is to perform an online rate comparison. This can be done by comparing rates here.

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Premiums are calculated by...

Auto insurance rates for your Nissan Maxima will vary greatly and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your Maxima
  • What you do for a living
  • The amount of protection requested
  • Home ownership saves money

A final factor which can affect Maxima insurance cost is the model year. Models that are a few years old have a lower value in comparison to older models so the payout to repair may end up costing you less. But more recent Nissan vehicles may have a trim level with safety features including a telematics system, blind-spot warning system, and sideview assist mirrors so those may lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability car insurance

This will cover damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Collision insurance

This will pay to fix damage to your Nissan resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your Nissan Maxima comprehensive insurance. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.

How Much are Nissan Maxima Insurance Rates?