Compare Nissan Maxima Insurance Quotes in Chandler

It takes a few minutes, but the best way to save money on Nissan Maxima insurance in Chandler is to do an annual price comparison from providers in Arizona. Drivers can shop around by following these steps.

Step 1: Try to understand individual coverages and the things you can control to keep rates in check. Many rating factors that result in higher prices such as accidents, traffic violations, and a low credit rating can be improved by making minor driving habit or lifestyle changes.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies.

Step 3: Compare the price quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A tip to remember is to use identical limits and deductibles on each price quote and and to analyze every insurance company. Doing this provides a level playing field and a thorough price selection.

A recent NerdWallet.com study revealed that the vast majority of consumers have stayed with the same insurance company for a minimum of four years, and approximately 38% of consumers have never even compared rates from other companies. American drivers could pocket $860 a year by just shopping around, but they underestimate the rate savings if they changed companies.

Eight Things That Impact Your Insurance Prices

An important part of buying insurance is that you know some of the things that come into play when calculating the price you pay for insurance. When you know what positively or negatively influences your rates, this enables informed choices that may result in lower rates.

Shown below are most of the major factors that factor into your premiums.

• Liability insurance preserves assets – Your insurance policy’s liability coverage will afford coverage if you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should carry high limits.

• Avoid tickets and save – Careful drivers pay less for auto insurance compared to bad drivers. Only having one citation could increase your next policy renewal twenty percent or more. Drivers who have received serious violations such as reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility with their state’s licensing department in order to legally drive.

  The chart below shows how violations and at-fault fender-benders can increase Nissan Maxima auto insurance costs for each age group. The data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

• Teen vs. mature drivers – Young drivers in Arizona are proven to be inattentive and easily distracted when driving with friends so they pay higher insurance rates. Older people are more cautious drivers, cause fewer claims and accidents, and tend to be get fewer driving tickets.

  The chart below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Costs go up with performance – The performance level of the car, truck or SUV you need to insure makes a big difference in your premium level. Smaller low performance passenger cars usually have the lowest rates, but your final cost has many other factors.

  The data below is based on a married female driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It shows Nissan Maxima insurance premiums compared to other models of vehicles that have different risk factors.

• Your job is a factor – Careers such as fire fighters, airline pilots, and dentists generally have the highest average rates due to intense work requirements and long work days. Other professions such as scientists, students and the unemployed generally pay rates lower than average.
• Lower premiums by staying claim free – Auto insurance companies in Arizona provide better rates to policyholders that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
• Where you live plays a part – Having an address in less populated areas of the country has it’s advantages when it comes to insurance. Drivers who live in large cities tend to have more aggressive driving styles and longer commute times. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate.
• Fewer miles means better premiums – The higher the miles on your Nissan in a year’s time the more you’ll pay to insure it. Most insurance companies rate vehicles determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates than cars that get driven a lot. Verify your policy is rated on the correct usage for each vehicle. Improper usage on your Maxima can cost quite a bit.

Facts and figures for Nissan Maxima insurance

The data table below showcases different insurance costs for Nissan Maxima models. Being aware of how insurance premiums are determined can benefit drivers when making decisions on the best policy coverages.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can impact rates significantly.

Insurance deductibles

One of the most common insurance questions is the level to set your comp and collision deductibles. The premium rates below show how much more you’ll pay when you buy lower versus higher physical damage deductibles. The first set of rates uses a $250 deductible and the second price table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can influence premium rates greatly.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $27 more each month or $324 each year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 28 months between claim filings, you would come out ahead if you decide on a higher deductible.

Gender-based insurance rates in Chandler

The diagram below shows the difference between Nissan Maxima insurance prices for male and female drivers. The rates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no other discounts are factored in.

Full coverage or liability only

The chart below shows the difference between Nissan Maxima insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

When to buy liability coverage only

There is no clear-cut rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Nissan Maxima claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after you pay the deductible. If premiums are more than $500 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some situations where only buying liability is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Determine discounts to get cheap Chandler insurance rates

Insurance is not cheap nor is it fun to buy but you may qualify for discounts that can drop the cost substantially. A few discounts will be applied when you quote, but some need to be asked about before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Telematics Discount – People who choose to allow their insurance company to scrutinize driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
• Discounts for Responsible Drivers – Insureds who avoid accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
• Paper-free Discount – Some of the larger companies will give a small break for signing up online.
• Pay Upfront and Save – By paying your entire bill at once instead of paying each month you may reduce your total bill.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks on the medical payments or PIP coverage costs.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.

Don’t be surprised that some credits don’t apply to the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

The diagram below illustrates the comparison of Nissan Maxima yearly insurance costs with and without discounts being applied to the rates. Data assumes a male driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, marriage, multi-car, and claim-free discounts applied.

Popular insurance companies and their possible discounts are included below.

• Farm Bureau offers premium reductions for driver training, 55 and retired, multi-policy, youthful driver, and multi-vehicle.
• MetLife offers discounts for claim-free, defensive driver, multi-policy, good driver, good student, and accident-free.
• Progressive discounts include good student, homeowner, continuous coverage, multi-vehicle, and online quote discount.
• AAA has discounts for education and occupation, good student, AAA membership discount, pay-in-full, and anti-theft.
• American Family may have discounts that include TimeAway discount, good driver, bundled insurance, mySafetyValet, Steer into Savings, and good student.
• GEICO offers discounts including military active duty, multi-policy, driver training, federal employee, emergency military deployment, and defensive driver.
• State Farm may offer discounts for passive restraint, good student, student away at school, Steer Clear safe driver discount, and multiple policy.

If you want affordable Nissan Maxima insurance quotes, ask each insurance company to apply every possible discount. Savings may not be offered in Chandler. If you would like to view companies that offer discounts in Chandler, click this link.

Affordable car insurance premiums are out there

When getting Chandler car insurance quotes online, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest cost and still be able to protect your assets.

We just showed you a lot of information how to find cheap Nissan Maxima insurance in Chandler. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the most savings is with the smaller companies. They may only write in your state and offer lower prices than the large multi-state companies such as Allstate or State Farm.

Other learning opportunities

• Auto Crash Statistics (Insurance Information Institute)
• What Insurance is Cheapest for Homeowners in Chandler? (FAQ)
• How Much is Chandler Car Insurance for a Honda Civic? (FAQ)
• Who Has Affordable Auto Insurance Rates for Safe Drivers in Chandler? (FAQ)
• Safety Belts FAQ (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Frontal Crash Tests (iihs.org)
• Liability Insurance Coverage (Nationwide)