Lower Your 2007 Nissan Maxima Insurance Cost

Want cheaper auto insurance rates for your Nissan Maxima? No normal person rejoices having to buy auto insurance, especially knowing they could find better prices if they shop around. Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute lowest rate possible.

If you have a policy now or are shopping for new coverage, you will benefit by learning to find the best rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need to know the most efficient way to compare company rates online.

Ways to get car insurance quotes

Reducing your 2007 Nissan Maxima insurance rates is a great way to save money. You just have to take the time to compare free insurance quotes from some recommended companies. This can be accomplished using one of these methods.

  1. The most efficient method to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating a different quote for each price estimate. Completing one form gets prices estimates from multiple low-cost companies.
  2. A different way to find lower rates is going to the website for every company you want to comare and request a quote. For instance, let’s say you want rates from Progressive, Esurance and Farmers. You would need to go to each individual site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

Compare rates however you want, just be sure to compare nearly identical quote data with every price quote. If each company quotes different coverage information then you won’t be able to make a fair rate comparison.

Don’t miss these discounts

Insurance is not inexpensive, but you may find discounts to reduce the price significantly. Many discounts should be triggered at the time of quoting, but once in a while a discount must be asked for before you get the savings.

  • Distant Student Discount – who live away from home to go to college and do not take a car to college may be insured at a cheaper rate.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your insurance quote.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more on the medical payments or PIP coverage costs.
  • Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Drivers Education – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
  • Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
  • Driver Safety – Taking time to complete a course in driver safety could cut 5% off your bill depending on where you live.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance quote for Maxima insurance.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount will bring down your policy premium.

If you would like to see a list of companies that have a full spectrum of discounts, click here.

Special considerations

When choosing proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I drive in a foreign country?
  • Am I covered if I wreck a rental car?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?
  • Should I waive the damage coverage when renting a car?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Collision – Collision insurance will pay to fix damage to your Maxima from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, backing into a parked car, scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2007 Nissan Maxima.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, dental work, funeral costs, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

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

Comprehensive insurance covers things like falling objects, a tree branch falling on your vehicle, damage from flooding and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Best coverage at the best price

A few companies may not provide online quoting and many times these small insurance companies prefer to sell through independent insurance agents. More affordable insurance can be sourced online in addition to local insurance agencies, so you should compare both so you have a total pricing picture.

We’ve covered a lot of information how to save on 2007 Nissan Maxima insurance. It’s most important to understand that the more times you quote, the better likelihood of getting cheaper insurance. Drivers may discover the most savings is with a small mutual company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

More detailed insurance information is located at these sites: