2004 Nissan Maxima Car Insurance Quotes – 8 Tips to Save

No one looks forward to paying for car insurance, especially when they are aware that the price is too high. Companies like State Farm, Progressive and GEICO all claim big savings, bombarding you with fancy advertisements and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

If you have a current insurance coverage policy or are shopping for new coverage, you can use these techniques to find the best rates while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers just need to know the proper methods to find the lowest price over the internet.

Insurance Discounts

Some companies do not advertise all possible discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find credits available to bring down your rates. If you do not double check each discount possible, you could be getting lower rates.

  • Drivers Ed for Students – Have your child participate in a local driver’s education class in high school.
  • Drive Safe and Save – Insureds who avoid accidents can save as much as half off their rates on Maxima insurance than their less cautious counterparts.
  • Defensive Driver Discount – Successfully completing a course in safe driver is a good idea and can lower rates and make you a better driver.
  • Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
  • Data Collection Discounts – Drivers who agree to allow their insurance company to look at vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as they are good drivers.
  • Federal Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance on Maxima insurance with certain companies.
  • Anti-theft System – Vehicles with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Professional Memberships – Being a member of a qualifying organization could earn you a nice discount on your bill.

It’s important to understand that many deductions do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

A few popular companies and a selection of discounts can be read below.

  • GEICO may offer discounts for anti-theft, seat belt use, air bags, defensive driver, driver training, and multi-vehicle.
  • Auto-Owners Insurance may have discounts that include good student, air bags, anti-lock brakes, mature driver, and group or association.
  • American Family offers discounts including good driver, multi-vehicle, mySafetyValet, defensive driver, accident-free, good student, and TimeAway discount.
  • Esurance includes discounts for DriveSense, online shopper, anti-theft, defensive driver, online quote, and good student.
  • Progressive has savings for multi-vehicle, online quote discount, online signing, multi-policy, homeowner, good student, and continuous coverage.
  • State Farm offers discounts for multiple policy, accident-free, safe vehicle, multiple autos, and student away at school.
  • AAA may include discounts for multi-policy, anti-theft, education and occupation, multi-car, AAA membership discount, good student, and good driver.

If you need lower rates, check with each company or agent how many discounts you can get. Some credits may not apply to policies in your state. To choose insurance companies that offer discounts, click here.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight if your situation could use an agent’s help.

  • What is medical payments coverage?
  • Should I bundle my homeowners policy with my auto?
  • Is my Nissan Maxima covered if I use it for business?
  • Can I afford to buy a different vehicle if my 2004 Nissan Maxima is totaled?
  • Is my cargo covered for damage or theft?
  • Do all my vehicles need collision coverage?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance specifics

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Nissan Maxima.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision insurance pays for damage to your Maxima caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, vandalism, falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like rehabilitation expenses, surgery, funeral costs and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

This coverage can cover damage that occurs to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

You can do this!

As you prepare to switch companies, do not buy poor coverage just to save money. In too many instances, someone sacrificed full coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

The cheapest 2004 Nissan Maxima insurance is definitely available on the web in addition to local insurance agencies, so you need to shop auto insurance with both to have the best rate selection. Some car insurance companies do not provide online quoting and usually these small insurance companies sell through independent insurance agencies.

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