2022 Nissan Maxima Insurance Quotes in 2024 – 10 Tips to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 21, 2024

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Shoppers have a choice when shopping for the lowest priced Nissan Maxima insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to compare rates for a new or used Nissan and find the cheapest rates.

You need to get comparison quotes periodically because auto insurance prices tend to go up over time. Just because you found the best rates for Maxima insurance a couple years back a different company probably has better premium rates today. You can find a lot of information about auto insurance on the web, but in a few minutes you can learn some proven techniques to save money.

If you are insured now or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. The purpose of this article is to help you learn how to get online quotes. Drivers only need to know the most effective way to compare rates over the internet.

How to lower your car insurance cost

Finding low cost 2022 Nissan Maxima car insurance prices is actually easier than you may think. The only thing you need to do is spend a few minutes on the computer comparing free insurance coverage quotes online with multiple companies. You can get a good selection of rate quotes by using one of the methods below.

If you are pressed for time, the simplest way consumers can make multiple comparisons would be an industry-wide quote request form. This type of form saves time by eliminating multiple quote forms for each company you want a rate for. Completing one form gets rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.

A harder way to obtain and compare quotes online is to manually visit each individual company website and complete a new quote form. For example, we’ll assume you want rates from State Farm, Liberty Mutual and Farmers. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

It’s up to you which method you use, but compare identical quote data on every quote you get. If you enter different liability limits it will be next to impossible to truly determine the lowest rate.

You may qualify for discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not know about. Certain credits will be shown when you get a quote, but a few must be asked for before they will apply.

  • Resident Student – Youth drivers who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Senior Discount – Older drivers may receive a small decrease in premiums for Maxima insurance.
  • Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
  • Auto/Life Discount – Larger insurance companies have a lower price if you buy life insurance from them.
  • Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are much safer to drive so companies give up to a 10% discount.
  • More Vehicles More Savings – Buying a policy with multiple cars or trucks with the same insurance company could earn a price break for each car.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount on your bill.
  • Telematics Devices – People who choose to allow their company to study vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you could save up to 5%.

As a footnote on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though you would think you could get a free insurance policy, nobody gets a free ride.

Car insurance companies who may offer some of the above discounts include:

  • Mercury Insurance
  • Farmers Insurance
  • Auto-Owners Insurance
  • Liberty Mutual
  • Progressive
  • USAA

Check with every insurance company how you can save money. Some discounts might not be offered in your area. To choose insurance companies that offer some of these discounts, enter your zip code here.

There’s no such thing as the perfect insurance coverage policy

When choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Does my insurance cover my expensive audio equipment?
  • Do all my vehicles need collision coverage?
  • Do I need higher collision deductibles?
  • Should I buy more coverage than the required minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I have combined single limit or split liability limits?
  • Is business equipment covered while in my vehicle?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for a 2022 Nissan Maxima

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2022 Nissan Maxima.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for chiropractic care, funeral costs, prosthetic devices, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, medical services and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your Maxima resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft, vandalism, damage from a tornado or hurricane and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop around and save

In this article, we covered a lot of tips how to compare 2022 Nissan Maxima insurance prices online. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting cheap insurance coverage. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company.

As you quote insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many cases, an insured dropped collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage for the lowest cost.

Insureds who switch companies do it for any number of reasons including policy cancellation, high prices, questionable increases in premium or not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

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