Compare Nissan Maxima Insurance Quotes in Chandler

Discount Nissan Maxima insuranceIt 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 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.

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.

Nissan Maxima Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $280 $520 $390 $24 $116 $1,330 $111
Maxima 3.5 SV $280 $598 $390 $24 $116 $1,408 $117
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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.

Nissan Maxima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $292 $460 $300 $18 $90 $1,185 $99
Maxima 3.5 SV $292 $530 $300 $18 $90 $1,255 $105
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Nissan Maxima insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $180 $290 $300 $18 $90 $878 $73
Maxima 3.5 SV $180 $334 $300 $18 $90 $922 $77
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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.Insurance discounts

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.

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.

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