Cheapest 2000 Nissan Maxima Insurance Rates in 2023
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UPDATED: May 12, 2022
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Want cheaper insurance coverage rates for your Nissan Maxima? Beginners to shopping for insurance online could find purchasing affordable insurance coverage is more work than they anticipated.
If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. The purpose of this article is to introduce you to how to get online quotes and some money-saving tips. But drivers can benefit by having an understanding of how companies sell online.
Don’t miss out on these money-saving discounts
Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you will save at least 10% off all policies.
- Accident Waiver – A few companies will allow you to have one accident before raising your premiums as long as you don’t have any claims prior to the accident.
- Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
- Drive Less and Save – Low mileage vehicles can earn better rates on cars that stay parked.
- Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
- Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
- Military Rewards – Being on active duty in the military could mean lower rates.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
Keep in mind that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will help reduce your premiums.
Insurance companies who might offer these benefits may include but are not limited to:
Double check with each insurance company which discounts they offer. Some discounts might not be offered in every state.
How to Buy Car Insurance Online
To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The recommended way to find the cheapest 2000 Nissan Maxima insurance rates is to get quotes online. This can be accomplished in several different ways.
The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate quotation requests for each company. One form submission gets you price quotes from all major companies. This is by far the quickest method.
A less efficient way to obtain and compare quotes online is spending the time to visit each company’s website and complete a new quote form. For examples sake, we’ll assume you want to compare rates from Allstate, Farmers and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.
The hardest way of getting rate comparisons is to drive around to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. Drivers can get prices online and get advice from an agent in your area and we’ll talk about that later.
It doesn’t matter which method you choose, just be sure to compare the exact same information with each company. If your comparisons have different limits and deductibles on each one you will not be able to make a fair comparison for your Nissan Maxima. Quoting even small variations in limits could mean much higher rates. Just remember that comparing a large number of companies will increase your chances of finding the best rates.
Why you might be paying too much to insure your Nissan Maxima
An important part of buying insurance is that you know the different types of things that come into play when calculating insurance coverage rates. Understanding what influences your rates enables informed choices that could result in much lower annual insurance costs.
The list below includes a few of the “ingredients” insurance coverage companies consider when setting premiums.
- An active claims history can cost you – If you frequently file small claims, you can expect higher rates. Car insurance companies award cheaper rates to drivers who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
- More miles equals more premium – The more miles you rack up on your Nissan in a year’s time the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. If your policy improperly rates your Maxima can cost quite a bit. Ask your agent if your insurance coverage policy properly reflects how each vehicle is driven.
- Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause accidents in similar percentages, but men have costlier accidents. Men also receive more costly citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and are penalized with high insurance coverage rates.
- Discounts for married couples – Having a spouse actually saves money on insurance coverage. Having a spouse usually means you are more mature and responsible and statistics show being married results in fewer claims.
- Little extras can really add up – There are quite a few add-on coverages that can waste your money on your insurance coverage policy. Coverages for personal injury protection, accident forgiveness and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
- No coverage gaps is important – Letting your insurance expire is a fast way to pay more for insurance coverage. And not only will your rates increase, getting caught without coverage may earn you a steep fine or even jail time.
- Cautious drivers pay less – Drivers with clean records have lower premiums than their less careful counterparts. Even a single ticket may increase your cost by as much as thirty percent. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
- Multi-policy discounts can save money – Many insurance companies provide better rates to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to verify if the discount is saving money.
Do I need special coverages?
When it comes to choosing the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.
These are some specific questions can help discover if your situation might need professional guidance.
- If I drive on a suspended license am I covered?
- Do I have coverage for damage caused while driving under the influence?
- When should I not file a claim?
- How high should my uninsured/underinsured coverage be in my state?
- Should I put collision coverage on all my vehicles?
- Do I really need UM/UIM coverage?
- Do I need special endorsements for business use of my vehicle?
- What if I don’t agree with a claim settlement offer?
- Do I need an umbrella policy?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Car insurance coverages for a Nissan Maxima
Learning about specific coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Collision coverages – This coverage covers damage to your Maxima resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like driving through your garage door, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like vandalism, a tree branch falling on your vehicle, fire damage, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as X-ray expenses, nursing services, funeral costs, pain medications and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability coverage – Liability insurance provides protection from damage or injury you incur to a person or their property. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like legal defense fees, medical services, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Make an honest buck
Drivers leave their current company for a variety of reasons including high rates after DUI convictions, poor customer service, questionable increases in premium or delays in paying claims. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.
We covered quite a bit of information on how to lower your 2000 Nissan Maxima insurance rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a company that doesn’t do a lot of advertising.
As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
More tips and info about car insurance is located by following these links:
- Safety Features for Your New Car (State Farm)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- State Laws for Cellphones and Texting (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)
- Help Your Teen Be a Better Driver (State Farm)
- Tools for Teen Driving Safety (State Farm)
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