1998 Nissan Maxima Car Insurance Quotes – 7 Tips to Save

Looking for lower insurance rates for your Nissan Maxima? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us when we tell you you’re not alone.

Online insurance companies like Allstate, Progressive and GEICO increase brand awareness with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Cut prices on 1998 Nissan Maxima insurance

Car insurance companies do not list every available discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving.

  • Drive Less and Save – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Maxima coverage depending on your company.
  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free insurance policy, you won’t be that lucky.

To see a list of insurance companies who offer insurance discounts, follow this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if your situation could use an agent’s help.

  • Are my tools covered if they get stolen from my vehicle?
  • How does medical payments coverage work?
  • How much liability do I need to cover my assets?
  • How do I insure my teen driver?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered when they drive my 1998 Nissan Maxima?
  • Can I get a multi-policy discount?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Can you really save that much by switching?

Companies like Progressive, Allstate and GEICO regularly use ads on television and other media. All the ads make an identical promise that you’ll save big if you move your policy. How does each company make the same claim? This is how they do it.

Insurance companies can use profiling for the type of driver they prefer to insure. A good example of a preferred risk could be between the ages of 30 and 50, has no tickets, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Drivers who are not a match for the “perfect” profile will be quoted a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently advertise the savings. This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings on Nissan Maxima insurance.

What car insurance coverages do you need?

Having a good grasp of car insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Liability coverage

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like loss of income, structural damage and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, a tree branch falling on your vehicle and a broken windshield. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This coverage pays for damage to your Maxima caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, backing into a parked car, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Nissan Maxima.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as hospital visits, prosthetic devices, rehabilitation expenses, EMT expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Keep this in mind

When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. In many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

In this article, we covered a lot of tips how to shop for 1998 Nissan Maxima insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the most savings is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

Cheap insurance is available online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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