How Much Does 2000 Nissan Maxima Insurance Cost?

Want cheaper insurance rates for your Nissan Maxima? No car owner is fond of buying insurance, in particular when they are paying too much.

You have so many insurers to insure vehicles with, and even though it’s nice to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

Cheaper insurance coverage quotes with discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that may help make it more affordable. Certain credits will be shown at quote time, but less common discounts must be inquired about prior to getting the savings.

  • ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Resident Student – living away from home attending college without a vehicle on campus may be insured at a cheaper rate.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy life insurance.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to track where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
  • Service Members Pay Less – Having a family member in the military could trigger a small discount.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may have a lower total premium amount.
  • New Car Discount – Buying a new car instead of a used car can cost up to 25% less because new vehicles are generally safer.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for lower premium rates due to less chance of an accident.

Policy discounts save money, but some of the credits will not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount will cut the cost of your policy.

To see companies with discount rates, click here.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions might point out if you might need an agent’s assistance.

  • What happens if I owe more than my 2000 Nissan Maxima is worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is business property covered if stolen from my car?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I hit a deer?
  • Am I covered by my spouse’s policy after a separation?
  • Is a blown tire covered by insurance?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Can you really save $387 a year?

Allstate, GEICO and Progressive consistently run ads on television and other media. All the companies try to convey promises that drivers can save some big amount after switching your insurance policy to them. But how can every company charge lower premium rates? It’s all in the numbers.

Companies offer their best rates for the type of customer that earns them the highest profit. An example of a desirable insured should be over age 30, has had continuous coverage, and the vehicle is rated for pleasure use. Someone that meets those criteria will qualify for the lowest rates and will most likely save some money.

Potential customers who do not meet this stringent profile will be charged more expensive rates and ends up with business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That’s why insurance companies can confidently lure you into getting a quote. That is why drivers must compare quotes as often as possible. It is impossible to guess with any certainty which company will have better rates than you’re paying now.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.

Auto collision coverage

This coverage pays for damage to your Maxima resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a building, hitting a mailbox, colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, hitting a deer, vandalism and theft. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

Liability insurance will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, emergency aid, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists 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 a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Save your hard earned cash

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut full coverage and discovered at claim time they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Affordable 2000 Nissan Maxima insurance is possible both online as well as from independent agents, so you need to shop car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not offer the ability to get quotes online and most of the time these small, regional companies only sell through independent insurance agents.

We’ve covered some good ideas how to save on 2000 Nissan Maxima insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a small mutual company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

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