2021 Nissan Maxima Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 21, 2024

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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.

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Do you get confused by the wide range of car insurance companies available to you? drivers have such a vast assortment of companies available that it can turn into a real difficult job to find the lowest price.

How to find affordable insurance

There are several ways to compare insurance prices but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with agents in your area, or you can utilize online quotes to get prices fast.

All the larger companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and at least one company returns a rated price based on that data. This saves time by eliminating quote forms to each individual insurance company.

To use this form to compare rates enter your zip code here.

The only downside to using this type of form is you don’t know exactly which companies to get pricing from. So if you prefer to choose specific providers for rate comparison, we have assembled a list of the cheapest insurance companies in your area. Click to enter zip code for insurance companies.

How you compare quotes is your choice, just be sure you’re using apples-to-apples quote data for each price quote. If your comparisons have different coverage information it will be very difficult to decipher which rate is best. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just remember that more quotes helps improve the odds of finding the best rates. Some regional insurers cannot provide online rate quotes, so you also need to get prices on coverage from those companies, too.

Save $395 a year! What?

Well-known auto insurance companies like Progressive, GEICO, Allstate and State Farm continually stream television, radio, and online ads. They all seem to make the promise about how much you will save if you switch to their company. That’s great but how can every company give you a better price? This is the way they can do it.

All companies have underwriting criteria for the type of customer that will not have excessive claims. A good example of a desirable risk might be a married female, has never had a policy lapse, and does not commute to work. A prospective insured that meets those criteria is entitled to the best price and therefore will save quite a bit of money when switching.

Potential customers who fall outside those standards may be forced to pay a higher premium which leads to the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently make claims like that. Because every company is different, you should get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will have better car insurance rates than you’re paying now.

These discounts can slash auto insurance rates

Some insurers don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more common in addition to some of the lesser obvious discounts that may be available. If you are not receiving all the discounts you deserve, you are paying more than you should be.

  • Accident Waiver – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a specific time period.
  • College Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Senior Citizen Discount – If you’re over the age of 55, you are able to get a small discount on rates on Maxima insurance.
  • No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts compared to drivers who are more careless.
  • E-sign – Some larger companies will provide an incentive just for signing your application on the internet.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

You should keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

Some of the insurance companies that may offer policyholders these money-saving discounts possibly include:

  • American Family
  • Farm Bureau
  • State Farm
  • Travelers
  • The Hartford
  • Progressive

Before buying, ask all companies you are considering the best way to save money. Savings may not be available in your area. For a list of insurance companies who offer auto insurance discounts, enter your zip code here.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can help discover whether you would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • Does my insurance cover a custom paint job?
  • Is there coverage for injuries to my pets?
  • How can I find cheaper teen driver insurance?
  • Should I carry comprehensive and collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered when driving a rental car?
  • How can I force my company to pay a claim?
  • How high should my medical payments coverage be?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code.

Insurance coverages 101

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability car insurance – This coverage protects you from damage that occurs to a person or their property in an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like repair costs for stationary objects, structural damage, loss of income and emergency aid. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Medical expense insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like prosthetic devices, funeral costs and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and fire damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This will pay to fix damage to your Maxima resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, hitting a mailbox, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2021 Nissan Maxima.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Get your money’s worth

Lower-priced auto insurance can be purchased on the web in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance companies may not have price quotes online and many times these small insurance companies only sell through local independent agents.

You just read many ideas to get a better price on 2021 Nissan Maxima insurance. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. You may be surprised to find that the best car insurance rates are with some of the lesser-known companies.

When buying insurance coverage, never buy poor coverage just to save money. In many cases, someone dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

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