Cheapest 2016 Nissan Maxima Insurance Rates in 2024

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.

1. 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.
2. 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.
3. 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 liability 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