2009 Nissan Maxima Car Insurance Rates

Feeling guilty for buying overpriced insurance? You’re in good company because there are many people just like you. You have so many auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to find the best rates.

You should take the time to do price comparisons yearly because prices change regularly. If you had the best quotes on Maxima coverage on your last policy you can probably find a better rate now. Ignore everything you know about insurance because it’s time to teach you the tricks you need to know to lower your annual insurance bill.

How to lower your insurance cost

There are a lot of ways to compare insurance quotes, and some are more efficient than others. You can waste hours driving to insurance agencies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program that enables customers to submit one quote, and at least one company returns a rated price determined by their information. This system prevents you from having to do repetitive form submissions to every company.

To compare rates using this form now click here to open in new window.

The only downside to comparing rates this way is you are unable to specify the providers you want pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to enter exactly the same coverage information with each company. If you are comparing different liability limits it will be very difficult to determine which rate is truly the best.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but you might find some hidden discounts that you may not even know about. Certain discounts will be triggered automatically at the time of quoting, but a few need to be requested specifically prior to receiving the credit.

  • One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident without the usual rate increase if you are claim-free prior to the accident.
  • Government Employee Discount – Employees or retirees of the government can save as much as 8% on Maxima coverage with certain companies.
  • Accident-Free Discounts – Drivers who don’t have accidents pay less in comparison with insureds who have frequent claims or accidents.
  • Lower Rates for Military – Having a family member in the military can result in better prices.
  • Homeowners Discount – Owning your own home or condo can get you a discount because owning a home requires a higher level of personal finance.

It’s important to understand that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

Some companies that may have most of the discounts above include:

When getting free insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your area. To find insurance companies with significant discounts, click here.

Auto insurance is unique, just like you

When choosing coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out if your situation might need professional guidance.

  • Do I need rental car coverage?
  • Am I covered if hit by an uninsured driver?
  • How do I insure my teen driver?
  • Do all my vehicles need collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Learn about insurance coverages for a Nissan Maxima

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from flooding, damage from a tornado or hurricane, hitting a deer and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like ambulance fees, hospital visits, funeral costs, nursing services and surgery. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like legal defense fees, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Nissan Maxima.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, hitting a parking meter, hitting a mailbox, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

In any little way, save everyday

In this article, we presented many tips how you can save on 2009 Nissan Maxima insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheap insurance. Drivers may discover the lowest prices are with a smaller regional carrier. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the best price and still be able to protect your assets.

Additional car insurance information can be found below: