How to Get the Best Nissan Maxima Car Insurance

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Things to Remember...
  • Nissan is a very popular manufacturer of cars
  • The Nissan Maxima starts at $32,420
  • The Nissan Maxima has a range of airbags, from front airbags to side airbags in the seats and curtain airbags in the roof of the car

Nissan is a popular vehicle manufacturer with a wide range of choices and options from compact cars to sports cars to trucks.

The Nissan Maxima is one of the most popular models in the Nissan lineup, and getting the best car insurance for yours should be one of your main goals.

Finding the best insurance for your Maxima is not hard to do. You need to do a little work before you start looking for coverage, and some research while searching.

With a little effort, you can find great coverage for an affordable price to protect your Maxima and make your wallet happy.

Car insurance quotes are awaiting you right here as soon as you enter your zip code in the FREE search tool above!

Model Overview

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The Nissan Maxima is listed as a mid-size four-door sports car and is offered in four trim levels. The base model, the 3.5 S starts at $32,420, and the 3.5 SV Premium Package starts at $38,420.

The standard engine is a 3.5-Liter engine that puts out 290 horsepower.

The vehicles are front-wheel drive standard, and the transmission is continuously variable with paddle shifters being optional on higher trim models.

All models of the Maxima get an estimated 19 mpg in the city and 26 mpg on the highway.

The Nissan Maxima has a range of airbags, from front airbags to side air bags in the seats and curtain air bags in the roof of the car.

Seat belts have occupant sensors, and the vehicle has front and rear crumple zones to protect passengers during crashes for additional safety.

All new Nissans are also sold with a standard warranty. The vehicle is covered by a 36-month/36,000-mile limited vehicle warranty and a 5-year/60,000-mile limited power train warranty.

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Best Does Not Mean Cheap

Before searching for insurance coverage, it is important to understand that best does not mean cheap in the insurance world. Cheap coverage won’t really offer the protection that you need to cover your liability and protect your vehicle and assets.

In terms of car insurance, the best coverage means full coverage that is affordable. Getting adequate coverage for a great price is possible. It just takes some effort to find the insurer with the best rates for you.

All experts agree that adequate insurance coverage includes liability limits that are higher than state minimums.

Experts advise that you purchase $100,000 for each individual and $300,000 for an entire accident for liability coverage; the highest state minimums are only $50,000 per person and $100,000 of coverage for an entire accident.

Liability coverage pays for damages and injuries that you cause to others. Without enough coverage, you could be sued to pay for the difference.

Optional coverage such as collision and comprehensive are also recommended, especially for newer vehicles. Collision and comprehensive are meant to fix damages to your vehicle from an accident, theft or other loss.

Without these two forms of coverage, you will have no other recourse for fixing your vehicle if you are at fault or you suffer the bad luck of hitting a deer or being in the way of fire, flood or other natural disasters.

Other insurance options that may or may not be required by your state’s auto insurance laws are medical payments insurance, uninsured/underinsured motorist coverage, and general asset protection (GAP) insurance.

You should review your insurance needs and buy those options that you can’t get through some other coverage.

Other options include roadside assistance, towing and rental car reimbursement.

If you have another avenue for covering these areas, such as you get roadside assistance and towing through an auto club, then you don’t need to pay for them again through your insurance.

However, each is relatively inexpensive, so you should have the coverage if you don’t have a similar option elsewhere.

Maximize Those Factors You Control

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Many factors are used by car insurance companies to calculate auto insurance rates. All of these factors let insurers judge how likely you are to have a claim in the future. It is about as close as you can get to seeing the future!

Statistically, if you have a high likelihood of getting into a car accident or suffering some other loss in the future, the insurer will make you pay a higher rate to offset that risk.

There are factors that you can control and the first step to finding good, low-cost insurance rates is to improve as many factors as possible. Not every factor is under your control, but those that you can control are mostly those factors that are of paramount importance to calculating your insurance rates.

For instance, women enjoy lower rates than men do, but that is not really within your control. Improving those areas that are in your power is your best course of action before you even begin your search for car insurance.

The first area that you should focus on is to improve your driving history. That is the most important factor that affects your rates. The best way to improve your driving history is to keep you history clean.

That means avoiding accidents and tickets, and the best way to assure you keep your nose clean is to follow all of those rules of the road and driving laws that are meant to keep drivers safe.

Another option is to take a driving safety course approved by your state’s department of motor vehicles. While the savings will not be as great as three years of a clean driving record, it will help.

For example, the State of New Jersey Motor Vehicle Commission offers classroom and online classes that will take two points off a driving license.

A further option is to improve your credit history. Insurance companies cite a correlation between driving and managing money.

Statistics show that poor money managers make bad drivers, so insurance companies charge those with poor credit higher insurance rates.

Improving your credit will likely improve your car insurance rates as well. Just like your driving history, improving your credit will take some time.

The website MyFICO gives you tips on improving your credit, such as maintaining a good payment history and reducing your overall credit debt.

Compare Quotes

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Cost certainly isn’t the most important factor when you are looking for insurance for your Nissan Maxima, but if you can get good coverage for a lower price than you should.

The secret is that every insurance company will have a different rate for the same exact insurance.

The only way to know how much your insurance will be for a Maxima or any vehicle is to get a quote for coverage.

Getting quotes is the number one way to save on car insurance costs, without changing anything else or making efforts to improve your driver’s risk profile. The more companies you get a quote from, the more likely you are to find your lowest rates.

The industry gurus at the Insurance Information Institute maintain that you should get at least three quotes from different insurers.

First, you need to know how much insurance coverage you want. Most experts advise that you get more liability than your state’s minimums.

It is also recommended that you purchase uninsured/underinsured motorist coverage, PIP insurance, and collision and comprehensive coverage to ensure you have full protection for your Maxima.

Also, make sure that you use those same amounts of coverage for every quote you get. Then you will be able to compare all of your quotes side-by-side. You will likely be amazed at the range of quotes you get!

Where to Get Quotes

There are many options for shopping around for car insurance coverage for your Nissan Maxima.

You can certainly get quotes the old-fashioned way, such as through meeting an agent at a car insurance office or by calling a company’s call center to speak with a representative.

You can also take advantage of modern technology and get quotes from an auto insurance provider’s website. If you really want to save time and effort, you can use a quote comparison website such as this one.

You fill out one application, rather than many applications and you receive many quotes from numerous car insurance providers for coverage.

Start your search by entering your zip code in the FREE box above for car insurance quotes instantly!

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