Cheap 1995 Nissan Maxima Insurance Quotes

Looking for the cheapest insurance coverage rates for your Nissan Maxima? Finding the cheapest insurance for your Nissan Maxima can normally be difficult, but you can use the following methods to make it easier. There is a better way to compare insurance coverage rates and we’ll show you the best way to price shop coverage on a Nissan and find the cheapest rates from local insurance agents and online providers.

If you have a current insurance policy or are just looking to switch companies, you can use these tips to get lower rates while maximizing coverage. Shopping for the cheapest insurance coverage is quite easy. Drivers just need to understand how to shop for insurance online.

Cheaper insurance rates with discounts

Some insurance providers do not advertise all possible discounts in an easy-to-find place, so the following list contains both well-publicized and the more hidden credits that may apply to you.

  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Multi-car Discount – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • Waiver for an Accident – but companies like Liberty Mutual, Allstate and State Farm will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Home Ownership Discount – Being a homeowner can save you money because maintaining a house means you have a higher level of financial diligence.
  • Safe Driver Discounts – Drivers who avoid accidents could pay up to 40% less on Maxima coverage than drivers with accident claims.
  • College Student – Kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Data Collection Discounts – Drivers that enable their insurance company to monitor driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
  • Discount for New Cars – Buying a new car model is cheaper compared to insuring an older model.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

Popular insurance companies and their offered discounts can be read below.

  • State Farm policyholders can earn discounts including good student, passive restraint, student away at school, driver’s education, accident-free, safe vehicle, and good driver.
  • Esurance offers discounts for anti-theft, renters, good driver, DriveSense, and anti-lock brakes.
  • Progressive offers premium reductions for online quote discount, continuous coverage, multi-vehicle, multi-policy, homeowner, and good student.
  • Liberty Mutual may offer discounts for newly retired, good student, multi-policy, new graduate, and teen driver discount.
  • Auto-Owners Insurance discounts include multi-policy, air bags, anti-lock brakes, safe vehicle, student away at school, and teen driver.
  • GEICO offers discounts including anti-lock brakes, five-year accident-free, air bags, driver training, multi-policy, and seat belt use.

When comparing rates, check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply to policyholders in your area.

The easiest way to get rate comparisons is to realize all the major auto insurance companies pay for the opportunity to quote your coverage. To get started, all you need to do is take a few minutes to give details including how old drivers are, if a SR-22 is needed, if you have a valid license, and if it has an alarm system. Those rating factors is sent automatically to insurance companies and you receive quotes quickly.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Why do I need rental car insurance?
  • What if I don’t agree with a claim settlement offer?
  • Does coverage extend to my business vehicle?
  • Am I covered when driving a rental car?
  • Should I sign the liability waiver when renting a car?
  • Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverages for a 1995 Nissan Maxima

Learning about specific coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like dental work, funeral costs, surgery and nursing services. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, hail damage, hitting a bird and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Maxima.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage

Collision insurance will pay to fix damage to your Maxima 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 coverage pays for things such as crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability insurance

This coverage will cover damage that occurs to other people or property by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as bail bonds, repair costs for stationary objects, repair bills for other people’s vehicles, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Get your money’s worth

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best cost while still protecting your assets.

Discount 1995 Nissan Maxima insurance is possible on the web and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not have online price quotes and many times these regional carriers sell through independent insurance agencies.

Consumers switch companies for a variety of reasons including poor customer service, extreme rates for teen drivers, policy cancellation and even delays in paying claims. It doesn’t matter why you want to switch choosing a new company is pretty easy and you might even save some money in the process.

Additional information