Value 1997 Nissan Maxima Car 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: May 12, 2022

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Want lower insurance coverage rates for your 1997 Nissan Maxima? Are you overwhelmed by the number of insurance coverage companies? Lot’s of other consumers are too. Consumers have so many companies to choose from that it can easily become a big hassle to find the best price.

Finding the best rates is quite easy. In a nutshell, everyone who has to buy auto insurance should be able to cut their insurance bill. Nevertheless, drivers must understand how the larger insurance companies price insurance differently and use this information to your advantage.

Why you might be paying too much in price to insure your 1997 Nissan Maxima

It’s important that you understand some of the elements that go into determining auto insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to better auto insurance rates.

  • Always keep insurance in force – Driving your car without having proper coverage can get your license suspended and auto insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
  • Mature drivers pay less – Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Traffic violations increase rates – Even a single speeding ticket can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Lower deductibles cost more – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Nissan. Some examples of claims that would be covered are collision with another vehicle, collision with an animal, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The more the insured has to pay upfront, the less your company will charge you for insurance for Maxima insurance.

More discounts equal less premium

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden savings tricks you should be using.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% for Maxima insurance depending on your company.
  • New Vehicle Savings – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car may be able to be covered for less.
  • Memberships – Being a member of a civic or occupational organization may earn a discount when shopping for insurance for Maxima insurance.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Nissan could be rewarded with better rates on cars that stay parked.
  • 55 and Retired – If you’re over the age of 55, you may be able to get reduced rates for Maxima insurance.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Multiple Cars – Insuring all your vehicles on the same insurance policy qualifies for this discount.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Maxima insurance than drivers with accident claims.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurance companies who offer insurance discounts, click here to view.

It’s not one size fits all

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions can help discover if you may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when driving a rental car?
  • Am I covered if I drive in a foreign country?
  • Can my babysitter drive my car?
  • Why am I required to buy liability insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Liability

Liability coverage provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like court costs, attorney fees, medical services, bail bonds and legal defense fees. How much coverage you buy is a personal decision, but buy as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, vandalism, a tree branch falling on your vehicle and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, rolling your car, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Have money to burn

In this article, we covered a lot of ways to get a better price on 1997 Nissan Maxima insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the best prices are with some of the smallest insurance companies.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are too many instances where someone dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Cheaper insurance is attainable on the web in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

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