Guide to Buying Nissan Maxima Insurance for Less
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But we always seem to pay too much for coverage and most people would rather go to the dentist. You might feel the same pain when having to pay the bill on your Nissan Maxima.
Step One: Compare Rates from Multiple Companies
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Thanks to the internet, insurance shopping is a whole lot easier!
The first step to finding lower Nissan Maxima rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Use the Same Coverages! It's really important that when doing multiple quotes for your Maxima that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: Techniques to Lower your Maxima Insurance Rates
What you actually pay to insure your Nissan is determined by many factors, some of which you have no control over.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If your Nissan is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Renters will find they may be paying more for insurance as compared to homeowners. Owning a home can often get you a small discount on your car insurance.
Step Three: Choose the Right Company for You
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If you already have a car insurance policy, then your Nissan Maxima will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Maxima won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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