2013 Nissan Maxima Insurance Cost – 8 Savings Tips

Are you irritated from paying out the nose to pay your auto insurance bill each month? You’re in the same situation as the majority of other consumers.

Due to the abundance of options, it is hard for the average consumer to find the most cost effective insurance company.

It’s a good idea to check auto insurance prices quite often because auto insurance rates change frequently. Even if you got the lowest rate for Maxima insurance a year ago there is a good chance you can find better prices now. Ignore everything you know about auto insurance because you’re going to learn the right way to properly buy coverages and cut your premium.

How to compare insurance rate quotes

Many insurance companies like State Farm, Allstate and GEICO give prices direct online. Doing online price comparisons is easy for anyone as you just enter your coverage preferences into a form. Once entered, the company’s rating system pulls reports for credit and driving violations and gives you a price quote based on the data you entered. Being able to quote online makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms gets old quite quickly. But it’s very important to compare as many rates as possible if you want to get the best price on insurance.

A better way to compare rates uses just one form that gets prices from several companies at one time. The form is fast, reduces the work, and makes online quotes a lot less work. Immediately after you send the form, it is rated and you can choose any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and could lower your rates considerably.

If you want to get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you enter the limits and deductibles identical to your current policy. Doing this assures you will get a rate comparison for similar coverage.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need professional guidance.

  • Can I rent a car in Mexico?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy high-risk coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How does medical payments coverage work?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverages for a Nissan Maxima

Learning about specific coverages of car insurance aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like surgery, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, falling objects, fire damage and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like structural damage, medical services, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, hitting a parking meter, crashing into a building, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.