Cheapest 2014 Nissan Maxima Insurance Rates in 2024
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UPDATED: Jun 11, 2023
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Are you tired of trying to scrape together enough money to insure your Nissan every month? You’re in the same situation as the majority of other car owners.
With so many choices, it can be impossible to choose the cheapest company.
Pieces of the Nissan Maxima insurance rate puzzle
Smart consumers have a good feel for the rating factors that help determine the rates you pay for insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get big savings.
- Your spouse saves you money – Getting married actually saves money on your policy. Marriage usually means you are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
- Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage may earn you a hefty fine and possibly a revoked license.You may then be required to file a SR-22 with your state department of motor vehicles.
- Liability coverage is cheap – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages from an accident. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
- Multiple policies with one company can save – Some insurers provide better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to ensure the best deal.
- Drive less and save money – The higher the mileage driven in a year the more you will pay for insurance. The majority of insurers apply a rate based on their usage. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Maxima may be costing you. Verify your insurance declarations sheet is showing the correct usage for each vehicle.
- Frequent insurance claims increase rates – Companies generally give discounts to people who do not file claims often. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
Automobile Insurance Quotes
Comparing car insurance rates can be exhausting if you don’t know the fastest way to get free quotes. You can spend your afternoon driving to local insurance agents in your area, or you can utilize the web to accomplish the same thing much quicker.
Most of the larger companies take part in a program where insurance shoppers enter their policy data once, and each company provides a quote. This system prevents you from having to do quote requests to each company.
To submit your quote information now, click here to start a free quote.
The one downside to getting quotes like this is you don’t know exactly which providers you want to price. If you prefer to choose specific providers to compare, we have assembled a list of car insurance companies in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just compare the exact same information on every quote you get. If each company quotes unequal deductibles or liability limits you will not be able to make a fair comparison for your Nissan Maxima. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons gives you a better chance of getting a lower rate.
Beware of misleading insurance ads
Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make an identical promise about savings if you switch to their company. How does each company make almost identical claims? It’s all in the numbers.
All companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk could be between the ages of 40 and 55, has no tickets, and has a short commute. A driver who meets those qualifications will get very good rates and most likely will save a lot of money.
Consumers who don’t meet the requirements will be charged a more expensive rate which leads to the customer not buying. Company advertisements say “people who switch” not “people who quote” save that much money. That is how insurance companies can confidently advertise the way they do. That is why it is so important to quote coverage with many companies. You cannot predict which insurance company will fit your personal profile best.
Verify you’re getting all your discounts
Companies offering auto insurance don’t always publicize all their discounts very clearly, so the following is a list of both well-publicized and also the lesser-known insurance savings.
- No Accidents – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for a substantially lower rate.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
- Military Discounts – Having a family member in the military could be rewarded with lower premiums.
- Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
- Homeowners Savings – Owning a home can help you save on insurance because owning a home requires personal responsibility.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
It’s important to note that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.
Car insurance companies who might offer some of the above discounts are:
It’s a good idea to ask each company what discounts are available to you. Savings may not apply in your state.
When should I talk to an agent?
When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if you may require specific advice.
- Do I really need UM/UIM coverage?
- When can my company non-renew my policy?
- How can I force my company to pay a claim?
- Is my teenager covered with friends in the car?
- Do I need to file an SR-22 for a DUI in my state?
- Does coverage extend to my business vehicle?
- Who is covered when they drive my 2014 Nissan Maxima?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Insurance coverages 101
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.
This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as vandalism, rock chips in glass, hitting a bird, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Auto liability insurance
This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for 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. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.
Liability coverage pays for claims like repair bills for other people’s vehicles, legal defense fees, bail bonds and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
This covers damage to your Maxima from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.
Medical expense coverage
Med pay and PIP coverage reimburse you for expenses for funeral costs, dental work, prosthetic devices and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured or underinsured coverage
This coverage protects you and your vehicle from other motorists 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.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Quote more, save more
Affordable 2014 Nissan Maxima insurance can be found on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.
When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
More information can be read on the following sites:
- State Car Insurance Guides (GEICO)
- Anti-Lock Brake FAQ (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
- Red Light Cameras (State Farm)
- Auto Theft Statistics (Insurance Information Insitute)
Frequently Asked Questions
What factors affect the cost of insurance for a 2014 Nissan Maxima?
Several factors can impact the cost of insurance for a 2014 Nissan Maxima. These factors include the driver’s age, driving history, location, credit score, annual mileage, coverage options selected, and the overall condition of the vehicle. Insurance companies also consider the car’s safety features and theft rates when determining the cost of coverage.
How can I find the cheapest insurance for a 2014 Nissan Maxima?
To find the cheapest insurance for a 2014 Nissan Maxima, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Increase deductibles: Opting for higher deductibles can lower your insurance premium, but it also means you’ll have to pay more out of pocket in case of a claim.
- Maintain a good driving record: Avoid traffic violations and accidents to maintain a clean driving record, as this can result in lower insurance rates.
- Bundle policies: If you have multiple insurance needs, such as home or renters insurance, consider bundling them with the same insurer to potentially receive a discount.
- Inquire about discounts: Ask the insurance provider about available discounts, such as multi-car, safe driver, or low-mileage discounts.
- Consider usage-based insurance: Some insurers offer usage-based insurance programs where your premium is based on your driving habits. If you’re a safe driver, this can lead to lower rates.
Are there any specific insurance providers known for offering affordable coverage for a 2014 Nissan Maxima?
While insurance rates can vary depending on individual circumstances, some insurance providers are known for offering competitive rates and discounts. It’s always recommended to obtain quotes from multiple providers. Some popular insurance companies known for competitive pricing include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance.
Does the color of a 2014 Nissan Maxima affect insurance rates?
No, the color of the vehicle, including a 2014 Nissan Maxima, does not directly affect insurance rates. Insurance providers primarily consider factors such as the car’s make, model, age, safety features, and the driver’s personal information and history. The color of the vehicle has no statistical correlation with the likelihood of accidents or claims, and thus does not impact insurance rates.
Are there any specific safety features that can help reduce insurance costs for a 2014 Nissan Maxima?
Yes, certain safety features in a 2014 Nissan Maxima can potentially help reduce insurance costs. These may include features such as anti-lock brakes (ABS), traction control, electronic stability control, airbags, alarm systems, and anti-theft devices. Insurance providers often offer discounts for vehicles equipped with these safety features as they can reduce the risk of accidents and theft.
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