1993 Nissan Maxima Car Insurance Cost – 9 Policy Discounts

Sick and tired of trying to scrape together enough money to pay your insurance coverage bill each month? You are in the same boat as many other consumers. Big companies like Allstate, Liberty Mutual and State Farm continually hit you with advertising and it is difficult to sift through the bull and take the time to shop coverage around.

The fastest way that we advise to compare car insurance company rates is to know the fact most insurance companies provide online access to compare their rates. To start a quote, the only thing you need to do is spend a couple of minutes providing details like any included safety features, whether you are single or married, whether the vehicles are used for commuting, and if a SR-22 is required. Your details is sent automatically to multiple different insurance companies and they return cost estimate immediately.

You may need specialized insurance coverage coverage

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Do I need special endorsements for business use of my vehicle?
  • Is upholstery damage covered by car insurance?
  • What is no-fault insurance?
  • When should my teen driver be added to my policy?
  • Should I waive the damage coverage when renting a car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Car insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive insurance – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, fire damage, vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Maxima.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for bills for things like nursing services, rehabilitation expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverage – Liability coverage will cover injuries or damage you cause to other’s property or people. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, medical expenses, emergency aid and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision – Collision coverage will pay to fix damage to your Maxima resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.