2009 Nissan Maxima Insurance Rates – 7 Ways to Save

Have you fallen victim to an underperforming, overpriced car insurance policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates to find the best rates possible.

The quickest method to compare insurance rates in your area utilizes the fact car insurance companies participate in online systems to compare their rates. To start a quote, the only thing you need to do is give them some information like your credit rating estimate, if you have a valid license, the type of vehicles you drive, and whether or not you need a SR-22. The rating information is instantly submitted to insurance carriers in your area and you will receive price estimates within a short period of time.

Discounts can save BIG

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you complete an application, but a few must be requested specifically prior to getting the savings.

  • One Accident Forgiven – A few companies allow you one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Senior Citizens – If you’re over the age of 55, you may receive a small decrease in premiums on Maxima coverage.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance from them.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Maxima coverage than their less cautious counterparts.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiring. The savings is around 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% off the personal injury premium cost.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will cut the amount you have to pay.

Companies that may have these discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts might not apply in your state.

Will just any policy work for me?

When it comes to buying the best insurance coverage coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out whether your personal situation would benefit from professional advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • I have health insurance so do I need medical payments coverage?
  • Do I need replacement cost coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen drive my company car?
  • At what point should I drop full coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Why do I need rental car insurance?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage specifics

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive coverages – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from flooding, rock chips in glass, vandalism and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage will pay to fix damage to your Maxima resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, colliding with another moving vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, court costs, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses like rehabilitation expenses, surgery, funeral costs, doctor visits and hospital visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Nissan Maxima.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Spend less. Save more.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where an insured dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Affordable 2009 Nissan Maxima insurance can be bought online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

More tips and info about insurance coverage is located at these sites: