Cheapest 2012 Nissan Maxima Insurance Rates in 2023
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UPDATED: Nov 23, 2017
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Want the cheapest car insurance rates for your Nissan Maxima? Finding lower premiums on car insurance can be difficult for people who are new to shopping for insurance online. There are so many options that it can turn into a ton of work to find lower rates.
Finding the best rates is not that difficult. In a nutshell, anyone who has to buy auto insurance will most likely be able to cut their insurance bill. Although drivers need to learn the way insurance companies determine prices.
The most recommended method to compare car insurance rates is to realize most insurance companies have advanced systems to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like distance driven, whether or not you need a SR-22, how old drivers are, and your occupation. The data gets transmitted to insurance companies and you get price estimates instantly.
Do insurance companies bend the truth?
Insurance companies such as Progressive, Allstate and GEICO regularly use ads on television and other media. They all seem to make the same claim of big savings if you move to them. How does each company make almost identical claims?
Insurance companies have a certain “appetite” for the right customer that is profitable for them. A good example of a preferred risk could be between 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who don’t meet these standards will have to pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much. This is how companies can claim big savings. Because of the profiling, drivers should get a wide range of price quotes. It’s not possible to predict which insurance companies will give you the biggest savings on Nissan Maxima insurance.
Nissan Maxima insurance rates have many determining factors
Smart consumers have a good feel for some of the elements that help determine your insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower insurance prices.
- Pleasure use saves money – The more you drive each year the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance policy is rated on the correct driver usage, because it can save money. If your policy improperly rates your Maxima may be wasting your money.
- Adjust deductibles and save – The deductibles represent how much money you are willing to pay before your insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered are colliding with a building, collision with an animal, and windstorm damage. The more the insured has to pay upfront, the bigger discount you will receive for Maxima coverage.
- Rates may be higher depending on your occupation – Occupations such as lawyers, architects and stock brokers are shown to have the highest rates because of high stress levels and lengthy work days. On the other hand, jobs such as actors, students and the unemployed pay the least for Maxima coverage.
- Lower rates with optional equipment – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
- Lower rates come with age – Teenage drivers are statistically proven to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
- Too many insurance claims drive up costs – Car insurance companies award discounts to drivers who are claim-free. If you are a frequent claim filer, you can look forward to higher rates. Your insurance policy is designed for larger claims.
Don’t pay full price with these discounts
Auto insurance companies don’t always advertise every discount very well, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Maxima coverage with a few car insurance companies.
- Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
- Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Resident Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
- Own a Home – Simply owning a home can save you money because of the fact that having a home requires personal responsibility.
- Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
- Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
Keep in mind that most discounts do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.
Companies that may have these money-saving discounts are:
Before buying, ask each insurance company which discounts they offer. Savings may not apply everywhere.
Your personal situation dictates your coverage
When choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions may help you determine whether you could use an agent’s help.
- What is an SR-22 filing?
- Am I covered if I crash into my own garage door?
- When should I buy a commercial auto policy?
- Do I really need UM/UIM coverage?
- Where can I find high-risk insurance?
- Can I afford low physical damage deductibles?
- Are rock chip repairs covered?
- Is extra glass coverage worth it?
- Is my ex-spouse still covered by my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Car insurance coverages and their meanings
Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.
Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses for things like EMT expenses, dental work, rehabilitation expenses and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Liability car insurance – Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage pays for claims such as structural damage, emergency aid and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.
The best insurance company isn’t always the cheapest
We’ve covered many ways to get a better price on 2012 Nissan Maxima insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the lowest priced insurance comes from a small local company.
Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, delays in paying claims or even lack of trust in their agent. Regardless of your reason for switching companies, switching insurance companies can be easy and end up saving you some money.
When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped collision coverage and learned later that it was a big mistake. Your strategy should be to buy enough coverage at a price you can afford.
Additional detailed information is available in the articles below:
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Anti-Lock Brake FAQ (iihs.org)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Auto Insurance Basics (Insurance Information Insitute)
- State Car Insurance Guides (GEICO)
- Side Impact Crash Tests (iihs.org)
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