Cheapest 2010 Nissan Maxima Insurance Rates in 2023
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UPDATED: May 12, 2022
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No one in their right mind enjoys paying for insurance coverage, particularly when the cost is way too high. With so many options when it comes to insurance coverage, it’s difficult to locate the lowest cost car insurance company.
Finding cheaper auto insurance is quite easy. If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Drivers just need to learn the most efficient way to compare rates over the internet.
Discounts are basically free money
The price of auto insurance can be rather high, but you can get discounts that you may not know about. Most are applied when you quote, but a few need to be manually applied prior to getting the savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Early Signing – Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
- Driver’s Ed – Have your child enroll in driver’s education in school.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- One Accident Forgiven – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
- 55 and Retired – Older drivers can possibly qualify for a discount up to 10% for Maxima coverage.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.
Insurance companies who might offer these money-saving discounts are:
- Farm Bureau
- Liberty Mutual
- American Family
Double check with every prospective company which discounts they offer. Savings may not be available in your state.
Parts of the Nissan Maxima rate equation
Consumers need to have an understanding of the rating factors that go into determining your insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that can help you get better insurance rates.
- High deductibles save money – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. The more the insured has to pay upfront, the less your insurance will be for Maxima coverage.
- Do you have enough liability coverage? – Liability coverage provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
- Lower miles equals lower premium – The more you drive in a year the higher your rates will be. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates compared to those used for work or business. If your policy improperly rates your Maxima may be costing you. Double check that your insurance policy is showing the correct driver usage.
- Older drivers pay less – Older insureds are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Teenage drivers tend to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
- Your car’s features help determine rates – Purchasing a vehicle with an alarm system can get you a discount on your insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
- Pay less if you’re married – Getting married can actually save you money on your policy. It translates into being more mature and it’s statistically proven that being married results in fewer claims.
- Claim-free discounts can add up – If you file claims often, you can expect either higher rates or even cancellation. Insurance companies generally give discounts to insureds who do not rely on their insurance for small claims. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
Which insurance is the “right” coverage?
When choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine whether your personal situation could use an agent’s help.
- When should I drop full coverage on my 2010 Nissan Maxima?
- Should I carry comprehensive and collision coverage?
- Are rental cars covered under my policy?
- Does coverage extend to a rental car in a foreign country?
- What is covered by UM/UIM coverage?
- Why do I only qualify for high-risk insurance?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
How can Progressive, Allstate and GEICO save drivers who switch?
Consumers can’t get away from ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. All the companies say the same thing of big savings if you move your coverage to them.
How does each company make the same claim?
All companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a desirable insured could be between 30 and 50, has no tickets, and has a high credit rating. A propective insured who matches those parameters is entitled to the best price and as a result will probably save a lot of money.
Consumers who are not a match for the requirements will be charged more money which leads to business going elsewhere. The ads say “customers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.
That is why it’s extremely important to get quotes from several different companies. Because you never know the company that will have the lowest Nissan Maxima insurance rates.
Car insurance 101
Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.
Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Collision coverage – This covers damage to your Maxima resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills such as pain medications, EMT expenses and dental work. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverages – This can cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage protects against things like emergency aid, medical expenses, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Be Smart and Buy Smart
In this article, we presented a lot of information how to save on 2010 Nissan Maxima insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the best prices are with a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
Budget-conscious insurance is attainable from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and most of the time these small, regional companies sell through independent agents.
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