Cheapest 2013 Nissan Maxima Insurance Rates in 2024

Trying to find better insurance coverage rates for your Nissan Maxima? Expensive insurance coverage can drain your personal savings, especially in this economy. Comparing price quotes is a smart way to make sure you’re not throwing money away.

Companies like State Farm, Progressive and GEICO continually bombard you with advertising and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Automobile Insurance Quotes

There are multiple methods you can shop for 2013 Nissan Maxima car insurance but one way is less time-consuming than others. You can waste hours talking to insurance agencies in your area, or you could use online quoting for quick rates.

Most of the best insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote requests for each company you want a rate for.

To find out what other companies charge for 2013 Nissan Maxima insurance click here to open in new window.

The only downside to using this type of form is you cannot specify which providers you want pricing from. If you prefer to choose individual companies to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using identical coverage limits and deductibles with every price quote. If you enter unequal deductibles or liability limits it will be very difficult to determine the lowest rate for your Nissan Maxima. Slightly different limits may result in a large different in cost. Just remember that having more price comparisons will increase your chances of finding the best price.

Discounts to lower 2013 Nissan Maxima insurance rates

Companies offering auto insurance don’t always list all available discounts very well, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.

• Drivers Education – Have your child complete a driver education course if offered at their school.
• Payment Method – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
• Federal Employees – Active or retired federal employment can save as much as 8% on Maxima coverage with select insurance companies.
• Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Military Rewards – Being on active duty in the military could mean lower rates.
• Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
• Passive Restraints – Cars that have air bags can receive discounts of up to 25% or more.
• 55 and Retired – Older drivers can possibly qualify for reduced rates on Maxima coverage.
• Homeowners Savings – Owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
• Discount for Good Grades – This discount can save 20 to 25%. This discount can apply until age 25.

Consumers should know that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky.

Companies that may have these money-saving discounts are:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

Double check with each company which discounts they offer. Some discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can aid in determining if you may require specific advice.

• When should I not file a claim?
• Do I have coverage if my license is suspended?
• Am I missing any policy discounts?
• How do I insure my teen driver?
• Are split liability limits better than a combined single limit?
• Do I need an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Nissan Maxima.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

Liability insurance can cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like loss of income, court costs, structural damage and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Maxima resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as doctor visits, EMT expenses, pain medications and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Shop smart and save

In this article, we presented many ways to reduce 2013 Nissan Maxima insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from the smaller companies. They may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

Cheap insurance can be sourced online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford, not the least amount of coverage.

Other resources

• Auto Insurance 101 (About.com)
• Distracted Driving Extends Beyond Texting (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Choosing an Insurance Company (Insurance Information Institute)