Cheapest 1996 Nissan Maxima Insurance Rates in 2023
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UPDATED: Sep 2, 2022
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Buyers have a choice when searching for low-cost Nissan Maxima insurance. You can either waste hours driving around getting price quotes or use the internet to make rate comparisons.
There are more efficient ways to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Nissan and find the cheapest rates from both online companies and local agents.
Consumers should take time to price shop coverage yearly because rates tend to go up over time. Just because you found the best deal on Maxima coverage two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.
Quick Insurance Quotes
There are multiple methods to compare 1996 Nissan Maxima insurance prices but there is one way that is less time-consuming than others. You could waste time discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to maximize your effort.
All the larger companies participate in an industry program where prospective buyers only type in their quote data once, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quotation requests for each company. To compare 1996 Nissan Maxima rates using this form now click here (opens in new window).
The only drawback to pricing coverage this way is buyers cannot specifically choose which companies you will receive quotes from. If you would rather choose individual companies to compare, we put together a list of insurance companies in your area. Click to view list.
However you get your quotes, be sure to compare exactly the same coverages for each comparison quote. If your comparisons have unequal deductibles or liability limits it will be very difficult to determine the best price for your Nissan Maxima.
These discounts can slash auto insurance rates
Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be requested specifically before they will apply. If you’re not getting every credit you deserve, you are throwing money away.
- Organization Discounts – Being a member of certain professional organizations could trigger savings when shopping for auto insurance on Maxima coverage.
- Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
- E-sign – Certain companies give back up to $50 just for signing your application digitally online.
As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.
Car insurance companies that possibly offer these discounts include:
Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not be offered everywhere.
Nissan Maxima insurance rates consist of many parts
Smart consumers have a good feel for the factors that come into play when calculating your insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to lower insurance coverage prices.
The list below includes some of the factors companies use to determine prices.
- Multiple policies with one company can save – Some insurance coverage companies provide better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare rates to ensure the best deal. Drivers may still find better rates by insuring with multiple companies.
- What are your deductibles? – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. A few examples of covered claims would be running into the backend of another car, damage from fire, or theft. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the less your company will charge you for insurance on Maxima coverage.
- Never let your coverage lapse – Allowing your insurance coverage policy to lapse will be a quick way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance can result in a license revocation or jail time.
- Keep rates low by being claim-free – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award better rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
- Rural vs Urban Areas – Residing in less populated areas is a positive aspect when it comes to insurance coverage. Fewer people means fewer accidents. City drivers have to deal with more traffic problems and longer commute times. More time on the road translates into higher accident risk.
- Occupation reflects on rates – Jobs such as doctors, architects and stock brokers are shown to have the highest rates due to stressful work requirements and lots of time spent at work. On the other hand, jobs such as actors, students and the unemployed pay the least on Maxima coverage.
- Safer cars are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Nissan earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Cautious drivers pay less – Your driving record has a huge affect on how much you pay. Drivers with clean records receive lower rates than bad drivers. Even one ticket may increase your cost forty percent or more. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
When might I need the advice of an agent?
When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.
For example, these questions might help in determining whether you will benefit from professional help.
- How high should deductibles be on a 1996 Nissan Maxima?
- Exactly who is provided coverage by my policy?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Is my babysitter covered when using my vehicle?
- Is business equipment covered while in my vehicle?
- When does my teenage driver need to be added to my policy?
- Do I need replacement cost coverage on my 1996 Nissan Maxima?
- Do I need to file an SR-22 for a DUI in my state?
- Do I pay less for low miles?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.
Insurance coverage breakdown
Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage reimburse you for expenses for nursing services, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability insurance can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as emergency aid, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.
Auto collision coverage
This covers damage to your Maxima resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like rolling your car, colliding with a tree, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.
Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Shop smart and save
Drivers leave their current company for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, high prices or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right auto insurance provider can be pretty painless.
When buying insurance coverage, do not buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. Your aim should be to buy enough coverage for the lowest price, not the least amount of coverage.
You just learned a lot of tips how to reduce 1996 Nissan Maxima insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.
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