Cheapest 2016 Nissan Maxima Insurance Rates in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Searching for the cheapest car insurance rates for your Nissan Maxima? Locating the cheapest insurance for a Nissan Maxima could be difficult, but you can learn the following methods and make it easy.
There are more efficient ways to compare car insurance rates so you’re going to learn the proper way to price shop coverage on a Nissan and get the lowest possible price from both online companies and local agents.
Free Insurance Quotes
Finding cheaper 2016 Nissan Maxima insurance prices isn’t really that difficult. The only requirement is to spend a few minutes comparing rates provided by online insurance companies. This is very easy and can be done in several different ways.
- The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate quotes to each individual insurance company. Completing one form will return quotes from multiple companies. It’s the fastest way to compare.
- Another way to get quotes online requires visiting each company website and request a quote. For sake of this example, let’s assume you want to compare Nationwide, GEICO and Allstate. You would have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
- The most time-consuming way of comparing rate quotes is driving around to local insurance agencies. The internet makes this process obsolete unless you require the professional advice of a local agent. You can, however, get prices online and still use a local agent. We’ll cover that shortly.
Whichever method you choose, be sure to compare apples-to-apples deductibles and coverage limits for every company. If each company quotes differing limits it’s not possible to determine the best price for your Nissan Maxima.
Tailor your coverage to you
When choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.
Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.
- Does insurance cover tools stolen from my truck?
- Is my vehicle covered by my employer’s policy when using it for work?
- How can I force my company to pay a claim?
- Is my Nissan Maxima covered if I use it for business?
- What is UM/UIM insurance?
- How do I buy GAP insurance?
- Am I covered if I drive in a foreign country?
- Does my policy cover me when driving someone else’s vehicle?
- Who is covered when they drive my 2016 Nissan Maxima?
If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.
Auto insurance coverages
Understanding the coverages of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Nissan Maxima.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision – Collision coverage pays for damage to your Maxima from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.
Coverage for liability – This provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. It does not cover 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. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as structural damage, funeral expenses, court costs, emergency aid and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.
Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses such as surgery, rehabilitation expenses, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible
Frequently Asked Questions
What factors determine the insurance rates for a 2016 Nissan Maxima?
Several factors can influence the insurance rates for a 2016 Nissan Maxima. These factors may include the driver’s age, driving history, location, credit score, annual mileage, the level of coverage chosen, and the specific trim and features of the Nissan Maxima.
Is the 2016 Nissan Maxima considered an affordable car to insure?
The 2016 Nissan Maxima is generally considered a mid-range vehicle to insure. While it offers luxury features and performance, insurance rates can still vary depending on individual factors. Comparing quotes from different insurance providers is recommended to find the most suitable and affordable coverage for your specific circumstances.
Are there any specific safety features of the 2016 Nissan Maxima that can help lower insurance rates?
The 2016 Nissan Maxima typically comes equipped with safety features such as anti-lock brakes, stability control, multiple airbags, and traction control. These safety features can help lower insurance rates since they can reduce the risk of accidents or injuries. Additionally, certain trims of the Maxima may offer advanced safety features like forward collision warning, lane departure warning, or blind-spot monitoring, which may further contribute to lower insurance rates.
Can I save on insurance for my 2016 Nissan Maxima by increasing my deductible?
Increasing the deductible on your insurance policy may lead to lower premiums for a 2016 Nissan Maxima or any other vehicle. However, it is important to assess your financial situation and consider whether you can afford a higher deductible in the event of a claim. It is advisable to consult with your insurance provider to understand how different deductible levels may affect your rates.
Are there any discounts available for insuring a 2016 Nissan Maxima?
Insurance providers often offer various discounts that may apply to insuring a 2016 Nissan Maxima. Some common discounts include multi-policy discounts (if you have multiple policies with the same provider), safe driver discounts, good student discounts (for student drivers with good grades), and discounts for certain safety features or anti-theft devices installed in the vehicle. It is recommended to inquire with your insurance provider about the available discounts.
Can my insurance rates for a 2016 Nissan Maxima change over time?
Yes, insurance rates for any vehicle, including the 2016 Nissan Maxima, can change over time. Insurance premiums can be influenced by factors such as changes in your driving record, location, insurance provider’s pricing policies, and overall market conditions. It is advisable to review your insurance coverage periodically and compare quotes from different providers to ensure you are getting the best rates available.
Where can I find the cheapest insurance rates for a 2016 Nissan Maxima?
To find the cheapest insurance rates for a 2016 Nissan Maxima, it is recommended to shop around and compare quotes from different insurance providers. You can contact insurance companies directly, use online comparison websites, or work with an independent insurance agent who can help you gather multiple quotes. Keep in mind that the cheapest insurance rates may vary depending on your personal circumstances, location, and coverage needs.
Frequently Asked Questions
- What is a named operator policy?
- Will Geico insure a car not in my name?
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do trucks cost more to insure?
- How long does a DUI stay on your record?
- Does the Porsche Club of America offer car insurance?
- View All Coverage Questions
Popular Rate Quotes
- Honda CR-V Insurance
- Chevrolet Silverado Insurance
- Ford F-150 Insurance
- Toyota Corolla Insurance
- Nissan Rogue Insurance
- Dodge Ram Insurance
- Toyota Camry Insurance
- Ford Explorer Insurance
- Honda Accord Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area