Compare 1998 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: May 12, 2022

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Searching for better car insurance rates for your Nissan Maxima? Expensive car insurance can drain your bank account and make it impossible to make ends meet. Doing a price comparison is a great way to help make ends meet. Since consumers have many choices of insurance companies, it can be hard to locate the lowest cost company.

Free Insurance Coverage Quotes

Shopping for lower insurance coverage rates can take time and effort if you don’t understand the most efficient way to do it. You can spend your afternoon discussing policy coverages with agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

All the larger companies participate in an industry program where insurance shoppers complete one form, and each company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To compare pricing click here to start a free quote.

One minor caviat to doing it this way is you cannot specify which providers you want to price. So if you want to select specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare the exact same coverages on every quote. If each company quotes different values for each quote then you won’t be able to make an equal comparison.

Take advantage of discounts

Companies that sell car insurance do not list every available discount very well, so we researched some of the best known as well as the least known ways to save on insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Resident Student – Children who live away from home and don’t have a car can receive lower rates.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Federal Employees – Employees or retirees of the government can save as much as 8% on Maxima insurance with a few insurance companies.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan can qualify you for lower rates on the low mileage vehicles.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Claim Free – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • One Accident Forgiven – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Military Rewards – Having a family member in the military could mean lower rates.

Keep in mind that most discount credits are not given the whole policy. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies with the best insurance discounts, click here.

Nissan Maxima rates are complex

It’s important that you understand the different types of things that come into play when calculating the price you pay for insurance coverage. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with big savings.

  • Increase deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Nissan from damage. Examples of covered claims would be collision with another vehicle, vandalism, and windstorm damage. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before your insurance coverage pays a claim. The more money you’re willing to pay, the bigger discount you will receive on Maxima insurance.
  • Big city or small town – Living in a rural area can be a good thing when buying insurance coverage. City drivers tend to have much more traffic and longer commute times. Lower population means a lower chance of having an accident and a lower car theft rate.
  • More than one policy can earn a discount – Most insurers will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.
  • Don’t let your coverage lapse – Driving without insurance is a misdemeanor and insurance coverage companies will penalize you for letting your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance can result in a revoked license or a big fine.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Credit scores impact insurance coverage rates – Having a bad credit history is a huge factor in determining what you pay for insurance coverage. If your credit score is not that good, you could pay less to insure your 1998 Nissan Maxima by improving your rating. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.
  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Proper usage rating affects rates – The more you drive in a year the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate compared to those used for work or business. Double check that your insurance coverage policy is showing the correct driver usage, because it can save money. If your policy improperly rates your Maxima may be wasting your money.

How to know if you need help

When it comes to choosing the best insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Is my teen driver covered when they drive my company car?
  • What is UM/UIM insurance?
  • When would I need additional glass coverage?
  • Do I need motorclub coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • I have a DUI can I still get coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when pulling a rental trailer?
  • Am I better off with higher deductibles on my 1998 Nissan Maxima?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Misconceptions in insurance advertisements

Drivers get pounded daily by advertisements that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move your policy.

How does each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of customer that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t meet these standards will have to pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save money. That’s why companies can make the claims of big savings. Because of the profiling, you absolutely need to quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Coverage specifics

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for things like surgery, rehabilitation expenses, funeral costs, dental work and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles, medical services, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Nissan Maxima.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, damage from getting keyed, theft and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

This pays for damage to your Maxima from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, crashing into a ditch, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Be a smart shopper

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just presented many ideas to save on 1998 Nissan Maxima insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

More information is located on the following sites:

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