Cheapest 2007 Nissan Maxima Insurance Rates in 2023
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UPDATED: Jun 4, 2023
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Looking for the cheapest insurance coverage rates for your Nissan Maxima? Tired of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as many other consumers. Companies like GEICO, Progressive and Allstate all claim big savings, bombarding you with advertising and it is difficult to avoid their marketing magic and find the best price available.
Consumers should take time to price shop coverage every six months because rates are usually higher with each renewal. Even if you got the best price for Maxima coverage six months ago you can probably find a better price now. There is a lot of bad advice regarding insurance coverage on the internet, so with this article, you’re going to get some solid techniques on how to save money.
Complexity of Nissan Maxima insurance rates
Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with lower auto insurance prices.
The following are some of the items that factor into rates.
- Your spouse saves you money – Having a spouse actually saves money when buying auto insurance. Having a significant other translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
- How’s your driving record? – A bad driving record has a big impact on rates. Even one ticket can boost insurance rates forty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
- Safer cars are cheaper to insure – Safer cars can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If the Nissan Maxima has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
- Clean credit earns discounts – Credit score is a big factor in calculating your auto insurance rates. So if your credit history is lower than you’d like, you could potentially save money when insuring your 2007 Nissan Maxima by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers with poor credit.
- Do you work long hours in a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations such as real estate brokers, social workers and dentists tend to pay the highest average rates due to stressful work requirements and long work days. Other occupations like pilots, historians and homemakers have the lowest average rates for Maxima coverage.
- Proper usage rating affects rates – Driving more miles each year the more you will pay for auto insurance. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Improper usage on your Maxima can cost quite a bit. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
The easiest way to compare insurance rates from multiple companies is to know the fact auto insurance companies participate in a system to quote your coverage. To begin a comparison, all you need to do is spend a couple of minutes providing details such as coverage limits, how much school you completed, if your license is active, and the type of vehicles you drive. The data is sent automatically to insurance companies and you receive quotes almost instantly.
Policy discounts you shouldn’t miss
Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so here is a list both well-publicized and the more hidden ways to save on insurance coverage. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Driver Safety – Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
- Multi-car Discount – Buying coverage for more than one vehicle with the same company may reduce the rate for each vehicle.
- Claim Free – Claim-free drivers can save substantially when compared to frequent claim filers.
- Resident Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
It’s important to understand that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.
For a list of providers with discount insurance coverage rates, click this link.
Insurance agents can help
When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Are my tools covered if they get stolen from my vehicle?
- Is business equipment covered while in my vehicle?
- When should I buy a commercial auto policy?
- Are all vehicle passengers covered by medical payments coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
- How do I file an SR-22 for a DUI in my state?
- What is medical payments coverage?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Car insurance coverage information
Knowing the specifics of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, surgery, chiropractic care and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Nissan Maxima.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverage – This coverage covers damage to your Maxima caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a building, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for 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 like fire damage, hitting a bird and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability car insurance – Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as funeral expenses, bail bonds, structural damage and court costs. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Shop around and save
Discount 2007 Nissan Maxima insurance can be purchased both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many instances, someone sacrificed physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.
For more information, feel free to browse the articles below:
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Property Damage Coverage (Liberty Mutual)
- Safe Vehicles for Teens (iihs.org)
Frequently Asked Questions
How can I find the cheapest insurance for a 2007 Nissan Maxima?
To find the cheapest insurance for a 2007 Nissan Maxima, you can follow these steps:
- Shop around: Compare quotes from multiple insurance providers to find the best rates for your specific needs. Online comparison tools or contacting insurance agents directly can help you gather quotes efficiently.
- Opt for higher deductibles: Increasing your deductibles can lower your insurance premiums. However, keep in mind that you’ll be responsible for paying the higher deductible amount if you make a claim.
- Maintain a good driving record: Insurance companies often offer lower rates to drivers with clean records. Avoid traffic violations and accidents to maintain a good driving history.
- Consider bundling policies: If you have multiple insurance needs, such as auto and home insurance, consider bundling them with the same insurance provider. Many insurers offer discounts for bundled policies.
- Explore available discounts: Inquire about any discounts that may be available to you. Common discounts include safe driver discounts, good student discounts, multi-car discounts, and anti-theft device discounts.
What factors can affect the cost of insurance for a 2007 Nissan Maxima?
Several factors can impact the cost of insurance for a 2007 Nissan Maxima. These factors include:
- Age and driving experience: Younger drivers or those with less driving experience tend to have higher insurance premiums.
- Location: The area where you live can affect your insurance rates. If you reside in an area with a higher crime rate or a higher frequency of accidents, your premiums may be higher.
- Driving record: A history of traffic violations or accidents can result in higher insurance costs.
- Coverage level: The type and amount of coverage you choose will impact your insurance rates. Comprehensive coverage and lower deductibles generally lead to higher premiums.
- Vehicle usage: The frequency and purpose of your vehicle usage, such as commuting to work or personal use, can affect insurance rates.
- Credit history: In some states or regions, insurance companies may consider your credit history when determining premiums.
Are there any specific insurance considerations for a 2007 Nissan Maxima?
While insurance considerations can vary depending on factors like your location and personal circumstances, there are a few general points to keep in mind for insuring a 2007 Nissan Maxima:
- Comprehensive and collision coverage: Due to the value of the vehicle, it’s often recommended to have comprehensive and collision coverage. This coverage can protect your vehicle in case of theft, damage, or an accident.
- Safety features: The presence of safety features in your 2007 Nissan Maxima, such as anti-lock brakes, airbags, and an anti-theft system, may make you eligible for discounts on your insurance premiums.
- Vehicle modifications: Any modifications made to the vehicle that deviate from the manufacturer’s original specifications may affect insurance rates. Inform your insurance provider about any modifications to ensure proper coverage.
- Maintenance and upkeep: Proper maintenance of your vehicle, including regular servicing and repairs, can help prevent issues that may result in insurance claims or higher premiums.
- Insurance provider selection: Research different insurance companies to find one that offers competitive rates and good customer service. Read reviews, ask for recommendations, and compare coverage options before making a decision.
Does the age of the vehicle affect insurance rates for a 2007 Nissan Maxima?
Yes, the age of the vehicle can impact insurance rates for a 2007 Nissan Maxima. As a vehicle ages, its value typically decreases, which can result in lower insurance premiums. However, other factors such as the cost of repairs, safety features, and the vehicle’s historical claims data also play a role in determining insurance rates. It’s recommended to obtain insurance quotes from multiple companies to compare rates for your specific vehicle.
Are there any insurance considerations specific to a 2007 Nissan Maxima?
While insurance considerations for a 2007 Nissan Maxima may not be unique to this model, there are some aspects to keep in mind. These include:
- Safety features: The presence of safety features in your vehicle, such as anti-lock brakes, airbags, stability control, or anti-theft systems, can potentially lead to lower insurance rates.
- Cost of repairs: Insurance premiums may be influenced by the cost of repairs for a specific vehicle. Research the average repair costs for a 2007 Nissan Maxima to better understand the potential impact on insurance rates.
- Historical claims data: Insurers may analyze historical claims data for specific vehicle models. If a particular model has a higher frequency of claims or more expensive claims, it can result in higher insurance rates.
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