2024 Nissan Maxima Insurance Rates – 10 Discounts for Best Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Overpriced Nissan Maxima insurance can stress out your savings and put the squeeze on your family’s finances.

Companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with catchy ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is quite easy. But consumers can benefit by having an understanding of how big insurance companies price insurance differently and take advantage of how the system works.

How to get free car insurance quotes online

Most major insurance companies such as State Farm, Allstate and GEICO allow you to get coverage price quotes from their websites. The process is quite simple as you simply type in the coverages you want as detailed in the form. Once you submit the form, their quoting system obtains your credit score and driving record and returns pricing information. Quoting online simplifies rate comparisons, but having to visit different websites and type in the same information is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to get the best price possible.

The easy way to compare rates

An easier way to find cheaper rates utilizes a single form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, your coverage is rated and you can select any one of the pricing results. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and can result in significant savings.

To compare rates now, simply enter your zip code here and begin entering your coverage information. To compare your current rates, we recommend you complete the form with the insurance coverages identical to your current policy. This guarantees you will have a fair comparison for exact coverage.

Discounts can really help to save

Companies do not list all discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and also the more inconspicuous car insurance savings.

  • Defensive Driver Discounts – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates on car insurance.
  • Life Insurance Discount – Select car insurance companies reward you with a discount if you purchase some life insurance too.
  • Driving Data Discount – People who choose to allow driving data submission to monitor vehicle usage by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
  • Early Renewal Discounts – A few larger companies offer discounts for renewing your policy before your current policy expires. It could save around 10% when you buy insurance coverage online.
  • Discount for Multiple Policies – If you combine your auto and home policies with one insurance company you could earn a discount of up to 20% and get you inexpensive insurance coverage.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Maxima insurance with some car insurance companies.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the medical payments premium.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

A list of car insurance companies and the discounts they provide can be found below.

  • State Farm may include discounts for anti-theft, good student, driver’s education, passive restraint, defensive driving training, and Drive Safe & Save.
  • Esurance may offer discounts for multi-policy, online shopper, multi-car, paid-in-full, and online quote.
  • Progressive discounts include online quote discount, continuous coverage, multi-vehicle, good student, multi-policy, homeowner, and online signing.
  • Liberty Mutual may have discounts that include safety features, newly married, new graduate, hybrid vehicle, and exclusive group savings.
  • Auto-Owners Insurance includes discounts for good student, group or association, paperless, air bags, anti-lock brakes, multiple vehicles, and safe vehicle.
  • GEICO policyholders can earn discounts including seat belt use, five-year accident-free, anti-theft, multi-policy, military active duty, and anti-lock brakes.

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state. To choose companies that offer the discounts shown above, enter your zip code here.

Will just any policy work for me?

When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • If I drive on a suspended license am I covered?
  • Am I getting all the discounts available?
  • What are the financial responsibility laws in my state?
  • Do I need Motor Club coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Do I need higher collision deductibles?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance coverages 101

Knowing the specifics of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Comprehensive coverage – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, fire damage, hitting a deer, theft and falling objects. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses like funeral costs, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance – This protects you from damages or injuries you inflict on people or other property. It consists of 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 values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability insurance covers things like bail bonds, loss of income, attorney fees, medical services and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Maxima.

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

Collision coverages – This pays for damage to your Maxima from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, driving through your garage door, colliding with a tree, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Don’t break the bank

When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your goal should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

We just covered some good ideas how you can save on 2024 Nissan Maxima insurance. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

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