2012 Nissan Maxima Insurance Rates

Trying to find cheaper car insurance rates? Buyers have a choice when searching for low-cost Nissan Maxima insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to compare rates. There are both good and bad ways to compare car insurance rates so we’re going to tell you the best way to quote coverages on a Nissan and find the lowest possible price either online or from local insurance agents.

If you have insurance now or need a new policy, you can use this information to find the best rates while maximizing coverage. This article will familiarize you with the best way to quote coverages and some tips to save money. Consumers only need an understanding of the proper way to compare price quotes on the web.

How to compare car insurance quotes

Finding cheaper car insurance rates is pretty simple and can save money. All that’s required is to invest a few minutes to get quotes from some recommended companies. Price comparisons can be done in just a few minutes using one of these methods.

  • The fastest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This style of form prevents you from having to do separate quote forms for each company you want a rate for. Completing one form gets insurance cost estimates from multiple companies. It’s the fastest way to compare.
  • Another way to compare rate quotes consists of going to each company’s website to complete a price quote. For example, let’s say you want to compare State Farm, Esurance and GEICO. To get each rate you have to spend time on each company’s site and punch in your information repeatedly, which is why the first method is quicker.

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

Which method you use is up to you, but ensure you are comparing equivalent coverage limits and deductibles for each comparison quote. If you are comparing differing limits you will not be able to determine the best price for your Nissan Maxima.

Use discounts on insurance

Not many people think insurance is cheap, but you can get discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but a few must be specifically requested before you will receive the discount. If you do not check that you are getting every discount available, you are not getting the best rate possible.

  • Early Signing – A few insurance companies give discounts for switching policies prior to your current policy expiration. This discount can save up to 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • Full Payment Discount – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Student in College – College-age children who live away from home at college and don’t have a car could qualify for this discount.
  • Membership in Organizations – Belonging to a qualifying organization can get you a small discount on your next renewal.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • No Charge for an Accident – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident before raising your premiums if your claims history is clear before the accident.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Companies and a selection of discounts can be read below.

  • 21st Century discounts include teen driver, defensive driver, automatic seat belts, driver training, homeowners, and 55 and older.
  • State Farm may include discounts for driver’s education, Steer Clear safe driver discount, defensive driving training, multiple policy, good driver, safe vehicle, and passive restraint.
  • AAA may offer discounts for good student, pay-in-full, education and occupation, multi-car, good driver, anti-theft, and AAA membership discount.
  • Liberty Mutual may have discounts that include new graduate, new move discount, good student, newly retired, and preferred payment discount.
  • Progressive has savings for good student, online quote discount, online signing, homeowner, and continuous coverage.

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts listed above may not be available in your area. To locate insurance companies who offer discounts, follow this link.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I force my company to pay a claim?
  • Does insurance cover damages from a DUI accident?
  • How much can I save by bundling my policies?
  • How can I get high-risk coverage after a DUI?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance policy specifics

Knowing the specifics of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Nissan Maxima.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, backing into a parked car, colliding with another moving vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses like dental work, pain medications and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, falling objects and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This protects you from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as medical services, medical expenses, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.