Feel like you're a prisoner to overpriced Nissan Maxima insurance in Las Vegas? It's a common feeling and there are many Las Vegas consumers feeling the pinch from expensive auto insurance.
Surprisingly, a recent survey revealed that most auto insurance customers kept their policy with the same company for at least four years, and nearly 40% of drivers have never compared rates with other companies. Las Vegas drivers could save an average of roughly $545 each year by just comparing rate quotes, but they assume it's a waste of time to find cheaper auto insurance rates. Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute cheapest price on Nissan Maxima insurance in Las Vegas.
It's smart to compare premium rates periodically because rates change frequently. Even if you got the best rate on Nissan Maxima insurance in Las Vegas a year ago you will most likely find a better price today. There is a lot of wrong information about Maxima insurance online but I'm going to show you some of the best techniques to put money back in your pocket.
Compare Las Vegas Nissan Maxima insurance quotes online
Finding a lower price on insurance is pretty simple and can save money. The only thing you need to do is take the time comparing price quotes online from several insurance companies.
Getting free rate quotes online is quite simple, and it takes the place of having to actually drive to all the different Las Vegas insurance agencies. The ability to quote Nissan Maxima insurance online eliminates this option unless you prefer the peace of mind of a local agency. Drivers can price shop your coverage online and have a local agent actually service the policy.
The providers in the list below are our best choices to provide free rate quotes in Nevada. If more than one company is shown, we suggest you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Maxima 3.5 S||$304||$520||$318||$18||$96||$1,256||$105|
|Maxima 3.5 SV||$332||$670||$416||$24||$124||$1,566||$131|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in specific garaging location which can decrease or increase coverage rates noticeably.
Bad driving habits will cost you more
The illustration below shows how speeding tickets and at-fault claims drive up Nissan Maxima insurance premiums for different insured age categories. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
Policy deductible comparison
The example below illustrates how choosing a deductible and can affect Nissan Maxima insurance costs for different ages of insureds. The rate quotes are based on a married male driver, full coverage, and no discounts are applied.
Why you need car insurance
Despite the fact that car insurance is not cheap in Las Vegas, maintaining insurance serves a purpose in several ways.
- Most states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability in order to get the vehicle licensed. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nissan has a lienholder, almost every bank will make it a condition of the loan that you have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Nissan at a much higher premium rate and make you pay a much higher amount than you were paying before.
- Insurance protects not only your Nissan but also your assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of having car insurance more than offset the price you pay, specifically if you ever have a liability claim. An average driver in America is currently overpaying as much as $810 a year so it's recommended you shop around each time the policy renews to save money.
Nissan Maxima insurance discounts in Las Vegas
Auto insurance can be pricey, but you can get discounts to reduce the price significantly. Certain credits will be shown when you quote, but a few need to be inquired about before you get the savings.
- Air Bag Discount - Vehicles equipped with air bags could see savings of 20 to 30 percent.
- Early Signing - A few insurance companies give discounts for switching to them early. This can save 10% or more.
- Theft Deterrent System - Cars with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Discounts for Government Workers - Having worked for a branch of the government could cut as much as 10% off with a few auto insurance companies.
- Own a Home and Save - Just being a homeowner can get you a discount because owning a home demonstrates responsibility.
- Good Grades Discount - Excelling in school may save you up to 25%. The good student discount can last up to age 25.
- Waiver for an Accident - Not necessarily a discount, but some insurance companies will let one accident slide without the usual rate increase if your claims history is clear before the accident.
- Multiple Policy Discount - If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
You should keep in mind that most discount credits are not given to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, that's just not realistic.
Popular auto insurance companies and a summarized list of policyholder discounts are outlined below.
- Farm Bureau may offer discounts for good student, multi-policy, safe driver, multi-vehicle, renewal discount, driver training, and youthful driver.
- State Farm policyholders can earn discounts including driver's education, safe vehicle, multiple policy, multiple autos, and good student.
- Progressive offers premium reductions for multi-policy, continuous coverage, multi-vehicle, online quote discount, homeowner, good student, and online signing.
- Allstate has discounts for resident student, anti-lock brakes, 55 and retired, FullPay discount, and auto/life discount.
- Nationwide includes discounts for Farm Bureau membership, family plan, good student, multi-policy, and easy pay.
- MetLife offers discounts for good driver, multi-policy, good student, defensive driver, claim-free, and accident-free.
Before buying, ask each company or agent what discounts are available to you. A few discounts may not be offered in your area. To choose insurers that offer discounts in Nevada, click this link.
Car insurance can get complicated
When choosing coverage for your personal vehicles, there really is no "best" method to buy coverage. Your financial needs are unique.
For example, these questions may help you determine whether you would benefit from professional advice.
- Am I covered when driving in Canada or Mexico?
- Should I rate my vehicle as business use?
- Is my Nissan Maxima covered for smoke damage?
- When should I remove comp and collision on my Nissan Maxima?
- Can I use my car for my catering business?
- Which companies are cheaper for teen drivers?
- Can I insure my car for more than it's worth?
If you're not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It's fast, free and can provide invaluable advice.
Buying car insurance from Las Vegas car insurance agents
Many people just prefer to get advice from a local agent. Most agents are very good at helping people manage risk and help submit paperwork. One of the best bonuses of comparing car insurance online is the fact that you can find cheap rate quotes but also keep your business local. Buying from and supporting local insurance agencies is important particularly in Las Vegas.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is emailed to participating agents in Las Vegas who will give competitive quotes for your insurance coverage. You won't even need to search for any insurance agencies because prices are sent straight to your inbox. In the event you want to get a rate quote from a specific insurance company, you would need to go to their quote page and fill out the quote form the provide.
Below is a short list of car insurance companies in Las Vegas who can help you get rate quotes for Nissan Maxima insurance in Las Vegas.
Picking a company should include more criteria than just a cheap price. Ask your prospective agent these questions:
- Can you choose the body shop in case repairs are needed?
- Will they make sure you get an adequate claim settlement?
- Is the agent properly licensed in Nevada?
- Where would your vehicle be repaired?
- What is the agency's Better Business Bureau rating?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Once you have received positive feedback in addition to an acceptable price estimate, you have narrowed it down to an insurer that can be relied on to properly insure your vehicles. Just remember you have the power to cancel coverage whenever you wish so never feel you're contractually obligated to the car insurance policy with no way out.
Auto insurance coverages
Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, fire damage, hitting a bird and damage from getting keyed. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage covers damage to your Maxima caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like driving through your garage door, hitting a parking meter, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to raise the deductible on your Maxima to save money on collision insurance.
Liability car insurance
Liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 15/30/10 that means you have a limit of $15,000 per injured person, $30,000 for the entire accident, and $10,000 of coverage for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims like funeral expenses, loss of income, repair bills for other people's vehicles and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. Nevada state law requires minimum liability limits of 15/30/10 but it's recommended drivers buy better liability coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, funeral costs and EMT expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle's occupants and damage to your Nissan Maxima.
Since many Nevada drivers have only the minimum liability required by law (Nevada limits are 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.
As you prepare to switch companies, never sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.
In this article, we presented some good ideas how you can find lower-cost Nissan Maxima insurance in Las Vegas. It's most important to understand that the more price quotes you have, the better chance you'll have of finding affordable Las Vegas car insurance quotes. Consumers may even find the lowest rates are with an unexpected company.
Insureds leave their current company for many reasons like poor customer service, delays in responding to claim requests, being labeled a high risk driver or even high rates after DUI convictions. It doesn't matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
More information can be read at the links below
- Teen Driver Statistics (Insurance Information Institute)
- Who Has Cheap Car Insurance Rates for Active Military in Nevada? (FAQ)
- How Much are Nevada Auto Insurance Quotes for a Ford Edge? (FAQ)
- Which Company has the Cheapest Auto Insurance in Fallon, Nevada? (FAQ)
- What is the Cheapest Car Insurance in Carson City, Nevada? (FAQ)
- How Much are Car Insurance Quotes for Used Cars in Nevada? (FAQ)
- Safety Features for Your New Car (State Farm)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)