Do you need a better way to compare lower-priced Nissan Maxima insurance in Pittsburgh? I can’t think of a single person who likes having to buy insurance, especially when they know the cost is too high.
We don’t have to tell you that auto insurance companies want to keep your business as long as possible. People who compare rates annually will presumably switch companies because they have good chances of finding more affordable rates. A recent insurance study revealed that drivers who shopped around saved about $865 a year as compared to drivers who never shopped around for lower prices.
If finding the cheapest price on Nissan Maxima insurance is your ultimate objective, knowing the best way to shop and compare coverages can help you succeed in saving money. Big companies like Progressive, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and it can be hard to avoid their marketing magic and find the best price available.
Consumers should take time to do rate comparisons yearly because insurance prices go up and down regularly. Despite the fact that you may have had the lowest rates on Nissan Maxima insurance in Pittsburgh six months ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the fastest and easiest way to reduce your cost while improving coverage.
How much is Nissan Maxima insurance in Pittsburgh?
Finding a lower price on Nissan Maxima insurance can be relatively painless. Consumers just need to invest a little time to get quotes to discover which company has the cheapest Nissan Maxima rate quotes.
Comparing quotes online is fast and free, and it makes it obsolete to spend your day driving to insurance agents’ offices. Comparing online rate quotes makes this process obsolete unless you have a complicated situation and need the professional guidance that only an agent can give. You can, however, obtain prices from the web but have a local agent actually write the policy.
The companies shown below are our best choices to provide free quotes in Pittsburgh, PA. If multiple companies are listed, it’s a good idea that you visit as many as you can to get the best price comparison.
Rates and information analytics
The rate information displayed below showcases detailed analysis of policy rates for Nissan Maxima models. Learning a little about how car insurance premiums are established is important for drivers to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $396 | $742 | $444 | $26 | $134 | $1,742 | $145 |
| Maxima 3.5 SV | $396 | $854 | $444 | $26 | $134 | $1,854 | $155 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific garaging location which can change insurance rates noticeably.
The diagram below demonstrates how deductible levels and can increase or decrease Nissan Maxima insurance costs for different categories of driver ages. The rate quotes are based on a married female driver, full coverage, and no discounts are taken into consideration.
Rate comparison of male drivers versus female drivers
The information below illustrates the difference between Nissan Maxima premium costs for male and female drivers. Data assumes no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no other discounts are factored in.
Cost comparison with and without full coverage
The illustration below shows the difference between Nissan Maxima insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving citations, $250 deductibles, single status, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There isn’t a written rule to stop buying physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Nissan Maxima claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $8,000 after you pay the deductible. If premium cost is more than $800 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some situations where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Protect more than your vehicle
Despite the high cost of buying insurance for a Nissan Maxima in Pittsburgh, insurance may be required for several reasons.
- Most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Maxima, most banks will force you to buy insurance to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Nissan at a more expensive rate and require you to fork over the higher premium.
- Insurance protects your Nissan and your assets. It will also pay for most medical and hospital costs incurred in an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Maxima are without a doubt worth the cost, particularly for liability claims. Unknowingly, the average driver is overpaying more than $825 a year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.
Coverages available on your policy
Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Liability car insurance – This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage pays for claims like repair costs for stationary objects, structural damage, attorney fees and medical services. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible. Pennsylvania requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below demonstrates why the minimum limit may not provide adequate coverage.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like rehabilitation expenses, hospital visits, prosthetic devices and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits (15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.
Comprehensive auto coverage – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things like damage from a tornado or hurricane, fire damage, a broken windshield, vandalism and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage – This pays for damage to your Maxima resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things such as driving through your garage door, rolling your car, scraping a guard rail, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible on your Maxima in order to get cheaper collision rates.