2010 Nissan Maxima Car Insurance Rates – 7 Tips for Cheaper Quotes

Wish you could get out of an overpriced car insurance policy? Say no more because many consumers are feeling buyer’s remorse and feel like there’s no way out. Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to discover the definitive best price available.

Consumers need to shop coverage around yearly because insurance prices are usually higher with each renewal. Just because you had the lowest rates on Maxima coverage two years ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to learn how to quote online to find lower rates on car insurance.

If you have insurance now or are looking for a new policy, you can use these techniques to get lower rates while maintaining coverages. Finding the best rates is not rocket science. Consumers only need to know how to shop their coverage around online.

How to compare free car insurance quotes

There are a lot of ways to compare car insurance quotes, but one way is less labor-intensive and much quicker. You could spend your day talking to local insurance agents in your area, or you could use online quoting to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions to every company. To participate in this free quote system, click to open in new window.

The one disadvantage to using this type of system is buyers cannot specifically choose the companies you want to price. If you wish to select from a list of companies to compare rates, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever method you choose, do your best to use apples-to-apples quote data with each company. If you use different liability limits it will be impossible to determine which rate is truly the best.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements for the lowest price car insurance from companies such as Allstate and Progressive. They all seem to make the same claim that drivers can save some big amount just by switching your policy.

That’s great but how can every company claim to save you money? You have to listen carefully.

Insurance providers quote their best rates for the right customer that earns them the highest profit. For example, a desirable risk should be a married female, has no claims, and has excellent credit. Anybody who matches those parameters receives the best rates and will cut their rates substantially.

Potential insureds who do not meet the ideal profile may be forced to pay higher premiums and this results in the customer not buying. The wording the ads use say “people who switch” but not “all drivers who get quotes” save the amount stated. That is how companies can truthfully advertise the way they do. Because of the profiling, drivers must get as many free insurance coverage quotes as possible. It’s just too difficult to predict which insurance companies will have better auto insurance rates than you’re paying now.

Cheap insurance rates with discounts

Car insurance companies do not advertise all available discounts in a way that’s easy to find, so the list below gives a summary of some of the best known as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Good Student – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • E-sign Discounts – A few larger online companies may give you up to $50 for buying your policy on your computer.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Multi-car Discount – Insuring multiple cars on one policy could earn a price break for each car.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Low Mileage – Maintaining low annual mileage can qualify you for discounted premium rates on garaged vehicles.

As is typical with insurance, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, you won’t be that lucky.

Large insurance companies and a selection of discounts are shown below.

  • American Family policyholders can earn discounts including Steer into Savings, mySafetyValet, TimeAway discount, bundled insurance, good driver, good student, and defensive driver.
  • Nationwide has savings for family plan, defensive driving, accident-free, easy pay, Farm Bureau membership, business or organization, and anti-theft.
  • MetLife has discounts for accident-free, good student, multi-policy, defensive driver, and claim-free.
  • 21st Century offers discounts for 55 and older, automatic seat belts, anti-lock brakes, theft prevention, homeowners, and teen driver.
  • Farmers Insurance may include discounts for youthful driver, alternative fuel, pay in full, electronic funds transfer, and distant student.
  • Allstate may offer discounts for early signing, anti-lock brakes, economy car, 55 and retired, and eSmart discount.

Double check with every company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Every situation is different so this has to be addressed. For instance, these questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • What is medical payments coverage?
  • Do I pay less for low miles?
  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage on my 2010 Nissan Maxima?
  • What is the minimum liability in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverage basics

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Comprehensive coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects, hail damage, hitting a bird and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they 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.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like medical expenses, medical services, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision coverage protection

This covers damage to your Maxima resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, damaging your car on a curb, rolling your car, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like hospital visits, pain medications, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Be a money saver!

We’ve covered quite a bit of information on how to reduce 2010 Nissan Maxima insurance auto insurance rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from an unexpected company. Some small companies can often provide lower premium rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Low-cost 2010 Nissan Maxima insurance can be found from both online companies in addition to local insurance agencies, so you need to quote insurance coverage with both to get a complete price analysis. Some insurance companies may not have online price quotes and usually these small, regional companies only sell coverage through independent insurance agencies.

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