Compare 2001 Nissan Maxima Insurance Cost

Want lower insurance rates for your Nissan Maxima? Did you come to the realization that you have overpriced insurance? Don’t sweat it because there are lots of residents who feel the same.

People have many insurers to pick from, and though it is a good thing to have a selection, it can be more difficult to compare company pricing.

Low cost insurance coverage

When shopping for insurance coverage there are multiple ways of comparing price quotes from many different insurance companies. The best way to find affordable 2001 Nissan Maxima insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. One of the simplest ways to get quotes would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate quotation requests for every company. Completing one form gets prices estimates from many national carriers.
2. A harder way to compare rate quotes requires you to visit the website of each company and get a separate price quote. For examples sake, we’ll pretend you need rates from USAA, Farmers and GEICO. To get rate quotes you would need to go to each individual site and repeatedly type in your coverage information, which can be really labor intensive.

   To view a list of companies in your area, click here.

3. The old school method to do your price quoting is to drive around to all the different insurance agencies. The ability to get quotes online makes this process obsolete unless you’re the type of person who wants the advice and guidance of an agent trained in personal lines coverage. Some companies do allow you to comparison shop online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just be certain you are entering equivalent coverages with each company. If you compare different coverage information you will not be able to determine the best price for your Nissan Maxima. Just a small difference in coverages can result in a big premium difference. It’s important to know that comparing more quotes will improve the odds of getting a lower rate.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out if your insurance needs may require specific advice.

• Is my cargo covered for damage or theft?
• Do I have newly-aquired coverage?
• Can my teen driver be rated on a liability-only vehicle?
• If I drive on a suspended license am I covered?
• Is my dog or cat covered if injured in an accident?
• How can I get my company to pay me more for my totalled car?
• Is my 2001 Nissan Maxima covered for flood damage?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Specific coverages for a 2001 Nissan Maxima

Knowing the specifics of a car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most car insurance policies.

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, hail damage and hitting a bird. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, dental work, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays for damage to your Maxima resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

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

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, loss of income, emergency aid, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.