Lower Your 2009 Nissan Maxima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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Searching for cheaper insurance rates for your Nissan Maxima? No one in their right mind looks forward to paying for insurance, in particular when they are paying too much. Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the lowest rate possible.

You should take the time to do rate comparisons yearly since insurance rates go up and down regularly. If you had the best price on Maxima insurance on your last policy a different company probably has better rates today. So ignore everything you know about insurance because you’re about to learn the best methods to find better rates and still maintain coverage.

How to Compare Auto Insurance Costs

Getting a lower price on 2009 Nissan Maxima insurance is not a difficult process. The only thing you need to do is invest a few minutes comparing price quotes online with multiple companies. This can be accomplished in several different ways.

  1. One of the best ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do a different quote for every auto insurance company. Filling out one form will return price quotes instantly.
  2. A different way to compare rate quotes requires visiting each company’s website to request a price quote. For examples sake, we’ll assume you want comparison quotes from Auto-Owners, Farmers and GEICO. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but compare identical deductibles and coverage limits on every quote. If you use different liability limits it will be next to impossible to find the best deal for your Nissan Maxima.

Can switching companies really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the ads make the same claim that you’ll save big if you move to their company.

But how can every company make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of customer they prefer to insure. An example of a preferred risk could be between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.

Potential insureds who don’t measure up to the “perfect” profile must pay more money and ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s why companies can claim big savings. This illustrates why drivers must get a wide range of price quotes. Because you never know which auto insurance company will give you the biggest savings on Nissan Maxima insurance.

Factors that can influence insurance rates for a Nissan Maxima

It’s important that you understand the different types of things that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are some of the items used by your company to calculate premiums.

  • Rates may be lower depending on your job – Careers like real estate brokers, executives and dentists tend to have the highest average rates because of stressful work requirements and long work days. Other jobs such as pilots, historians and the unemployed receive lower rates on Maxima insurance.
  • Allowing your policy to lapse raises rates – Driving with no insurance is a misdemeanor and auto insurance companies will penalize you for letting your insurance expire. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Mature drivers pay less – Youthful drivers are statistically proven to be careless and easily distracted when driving so they pay higher auto insurance rates. Adding a teenage driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If your Nissan Maxima is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Low deductibles can be expensive – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Nissan from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the less your company will charge you for insurance on Maxima insurance.
  • Tickets mean higher rates – A bad driving record has a big impact on rates. Even one speeding ticket may increase your cost twenty percent or more. Drivers with clean records have lower premiums than bad drivers. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Men are more aggressive – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men have accidents in similar percentages, but men cause more damage. Men also get more serious tickets such as reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.

Save big with these discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so here is a list some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Senior Discount – Older drivers may receive reduced rates on Maxima insurance.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% off your total premium.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
  • Homeowners Discount – Owning a home can help you save on insurance coverage because maintaining a house demonstrates responsibility.
  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.

Keep in mind that many deductions do not apply the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

A partial list of companies who might offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. All car insurance discounts may not be available in every state.

But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • I don’t drive much so do I pay less?
  • Are all vehicle passengers covered by medical payments coverage?
  • How much liability coverage do I need in my state?
  • Should I have combined single limit or split liability limits?
  • Can I afford to buy a different vehicle if my 2009 Nissan Maxima is totaled?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specifics of your car insurance policy

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from car insurance companies.

Auto liability – This provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. Liability 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. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like attorney fees, pain and suffering, loss of income and medical services. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hitting a deer, fire damage, damage from a tornado or hurricane and damage from flooding. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for things like pain medications, funeral costs, ambulance fees and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This coverage pays for damage to your Maxima from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, backing into a parked car, scraping a guard rail, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Nissan Maxima.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Be a penny pincher

Affordable 2009 Nissan Maxima insurance is definitely available from both online companies and also from your neighborhood agents, so compare prices from both to have the best selection. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.

In this article, we covered many tips how you can get a better price on insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small local company. They may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

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