1999 Nissan Maxima Insurance Quotes – 5 Tips to Save

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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: Aug 24, 2022

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Saving money on auto insurance is always a challenge for people who are new to comparing rates online. Consumers have so many choices that it can quickly become a big hassle to find the best price.

How to Compare Insurance Coverage Costs

Most companies provide coverage price quotes on their websites. Getting online rates is quite easy as you just type in the coverages you want into the quote form. Behind the scenes, their rating system collects reports for credit and driving violations and returns pricing information.

Quoting online streamlines rate comparisons, but having to visit a lot of sites and enter the same data into a form can get tiresome after awhile. But it’s very important to perform this step if you are searching for better insurance coverage pricing.

Compare rates the easy way

The smarter way to find lower prices utilizes a single form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes quoting online a lot less work. Immediately after submitting the form, it is rated and you can choose your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The entire process only takes a few minutes and you will know how your current rates stack up.

To compare rates using this form now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you duplicate the coverage information as close as possible to your current policy. Using the same limits helps guarantee you’re receiving a price comparison for exact coverage.

Save money by taking advantage of these five discounts

Companies do not list every discount very well, so we took the time to find both well-publicized and the more hidden ways to save on insurance coverage.

  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Maxima coverage than drivers with accident claims.
  • Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may offer these money-saving discounts include:

Double check with each company which discounts they offer. Some discounts may not be available in your area.

When should I use an insurance agent?

When it comes to buying coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help highlight if your situation may require specific advice.

  • Why do I need rental car insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when delivering products for my home-based business?
  • Am I missing any policy discounts?
  • Does my medical payments coverage pay my health insurance deductible?
  • If my 1999 Nissan Maxima is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance covers 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 falling objects, hitting a bird, hail damage and theft. 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 consider dropping full coverage.

Liability insurance

This coverage will cover damage or injury you incur to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for claims like pain and suffering, bail bonds, repair bills for other people’s vehicles, loss of income and legal defense fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as dental work, funeral costs, surgery and doctor visits. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your Maxima caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, damaging your car on a curb, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Nissan Maxima.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Smart consumers save more

You just learned many tips how you can save on 1999 Nissan Maxima insurance. The key concept to understand is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the most savings is with a small local company.

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Low-cost insurance can be bought on the web and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Additional auto insurance information is located below:

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