Compare 2011 Nissan Maxima Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Nissan Maxima? Are you drained from not being able to scrape enough together to keep your car insured? Your situation is no different than most other consumers.

Big-name insurance companies like State Farm, GEICO and Farmers Insurance persitently shower you with advertising and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

Smart consumers take time to compare premium rates quite often because rates change regularly. If you had the lowest rate for Maxima insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to show you one of the quickest ways to save on car insurance.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners do need to know the methods companies use to compete online and take advantage of how the system works.

Compare quotes for auto insurance

There are a variety of methods to compare auto insurance quotes, but some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get the quickest rates.

The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions to each company.

To find out what other companies charge click here to start a free quote.

The one downside to getting quotes like this is you don’t know exactly the companies you want to price. If you wish to select specific providers to compare, we have a listing of companies who write auto insurance in your area. Click here to view list.

Whichever way you use, make sure you use nearly identical deductibles and coverage limits with each company. If you have higher or lower deductibles it will be impossible to get a fair rate comparison. Even a minor difference in coverage limits can result in a big premium difference. And when quoting auto insurance, remember that obtaining a wide range of quotes helps improve the odds of finding a better price. Some regional insurers cannot provide online price quotes, so you also need to get prices from those companies as well.

Special considerations

When it comes to buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out if you will benefit from professional help.

  • If I drive on a suspended license am I covered?
  • What are the best liability limits?
  • If my pet gets injured in an accident are they covered?
  • At what point should I drop full coverage?
  • Why do I only qualify for high-risk insurance?
  • Does insurance cover tools stolen from my truck?
  • When does my teenage driver need to be added to my policy?
  • Can I drive in Mexico and have coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What exactly is covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Parts of your auto insurance policy

Knowing the specifics of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, fire damage, hitting a bird and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, attorney fees, medical services, loss of income and structural damage. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision – Collision insurance covers damage to your Maxima caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2011 Nissan Maxima.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, prosthetic devices, doctor visits, surgery and EMT expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible