2007 Nissan Maxima Car Insurance Quotes – 8 Tips for Best Rates

Buyers have lots of choices when searching for affordable Nissan Maxima insurance. You can either spend your time contacting agents getting price quotes or save time using the internet to make rate comparisons.

There are more efficient ways to buy auto insurance so we’re going to tell you the quickest way to quote coverages for a new or used Nissan and locate the lowest possible price from both online companies and local agents.

You should make it a habit to do rate comparisons on a regular basis because rates fluctuate regularly. Just because you found the best rates for Maxima coverage a year ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance online, so we’re going to give you a lot of great tips on how to buy auto insurance cheaper.

This article will help you learn the best way to quote coverages. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Drivers just need to know the tricks to get comparison rates on the web.

Compare Auto Insurance Today

There are a variety of methods you can shop for 2007 Nissan Maxima auto insurance but some are more efficient than others. You could waste a few hours discussing policy coverages with insurance companies in your area, or you could use the internet to achieve your goal.

Many of the larger companies participate in a marketplace where prospective buyers submit their information once, and every company then gives them pricing for coverage. This prevents consumers from doing quotation requests to each individual auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The one downside to using this type of system is you don’t know exactly which providers to get quotes from. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use apples-to-apples deductibles and coverage limits with every price quote. If you use unequal deductibles or liability limits it will be impossible to determine which rate is truly the best.

Do you qualify for these eight discounts?

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specially asked for prior to getting the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Own a Home – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Bundle and Save – If you insure your home and vehicles with one company you may save at least 10% off all policies.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • 55 and Retired – Older drivers may receive reduced rates for Maxima coverage.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.

Keep in mind that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

Car insurance companies who might offer some of the above discounts are:

Check with each company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine whether you might need professional guidance.

  • Can I rent a car in Mexico?
  • Am I covered when delivering products for my home-based business?
  • What is no-fault insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my friends covered when driving my car?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance policy coverages for a Nissan Maxima

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for expenses like EMT expenses, funeral costs and ambulance fees. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hitting a deer, vandalism, a broken windshield and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

Liability coverage protects you from damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Maxima.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Be a money saver!

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

You just learned quite a bit of information on how to lower your 2007 Nissan Maxima insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with some of the lesser-known companies.

Cheap insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Additional articles