Really, the only way to get discount Nissan Maxima insurance is to compare quotes once a year from insurance carriers who sell insurance in Anchorage.
- Spend a few minutes and learn about policy coverages and the modifications you can make to prevent rate increases. Many factors that drive up the price such as at-fault accidents and an unacceptable credit score can be improved by making minor changes in your lifestyle.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from many different companies.
- Compare the new quotes to your existing rates to see if a cheaper price is available. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give proper notification to your current agent or company of your decision to cancel the current policy and submit payment along with a signed and completed policy application to the newly selected company. Once received, keep the new certificate verifying proof of insurance in your glove compartment.
A good tip to remember is to use similar limits and deductibles on each quote request and and to get rate quotes from as many carriers as you can. Doing this ensures the most accurate price comparison and the best rate selection.
We don’t have to tell you that car insurance companies want to keep you from comparing prices. Drivers who get price quotes annually will presumably buy a new policy because they have good chances of finding a policy with better rates. Surprisingly, a recent survey revealed that people who made a habit of comparing rate quotes saved about $865 annually as compared to drivers who don’t make a habit of comparing rates.
If finding the cheapest price on Nissan Maxima insurance is your ultimate target, understanding how to shop and compare insurance premiums can save time and money.
Buying the cheapest car insurance in Anchorage is actually quite easy if you know where to start. If you are already insured or just want cheaper coverage, you will benefit by learning to lower your rates while maximizing coverage. Smart shoppers just have to learn the most time-saving way to compare prices from many companies at once.
The quickest way to get policy rate comparisons for Nissan Maxima insurance in Anchorage utilizes the fact all the major auto insurance companies participate in a system to compare their rates. All consumers are required to do is provide information such as your job, level of coverage desired, driver details, and your credit rating estimate. Your insurance information is instantly submitted to multiple different insurance companies and you will get price comparisons instantly to find the best rate.
To compare affordable Nissan Maxima insurance rates now, click here and find out if lower rates are available in Anchorage.
The companies shown below have been selected to offer price comparisons in Alaska. To locate the best car insurance in Anchorage, we recommend you get rate quotes from several of them to get a more complete price comparison.
Do you qualify for discounts on Nissan Maxima insurance in Anchorage?
Not too many consumers would say car insurance is affordable, but you can get discounts that could drop your premiums quite a bit. Certain credits will be shown when you get a quote, but some need to be asked for in order for you to get them. If you do not double check each discount possible, you’re paying more than you need to.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.
- E-sign Discounts – A few larger online companies provide a small discount shop Anchorage auto insurance digitally online.
- Driver Education Discount – Require your teen driver to enroll in driver’s education in school.
- Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
- No Claim Discounts – Drivers who don’t have accidents pay less as opposed to accident-prone drivers.
- Driving Data Discount – Insureds who allow their car insurance company to look at driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
- ABS Braking Discount – Cars that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
- Organization Discounts – Affiliation with specific professional or occupational memberships or organizations may earn a discount on your next car insurance statement.
- Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off PIP or medical payments premium.
Keep in mind that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will positively reduce the amount you have to pay.
The illustration below visualizes the comparison of Nissan Maxima insurance costs with and without policy discounts. The premium estimates are based on a male driver, no claims or violations, Alaska state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, homeowner, and claim-free discounts applied.
Some companies that may offer many of the previously listed discounts include:
Before you buy a policy, ask every prospective company how you can save money. Depending on the company, some discounts might not be offered in every state. To see a list of companies with significant discounts in Anchorage, click here to view.
Facts and figures for Nissan Maxima insurance
The price information shown next outlines a range of coverage prices for Nissan Maxima models. Learning more about how rates are determined can help you make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $260 | $480 | $330 | $20 | $98 | $1,188 | $99 |
| Maxima 3.5 SV | $260 | $552 | $330 | $20 | $98 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in specific Anchorage garaging location which can lower or raise premium rates considerably.
Physical damage deductible comparison
A question often asked by Anchorage drivers is how high should the deductibles for physical damage be. The comparisons below may help to conceptualize the rate difference between low and high physical damage deductibles. The first pricing table uses a $100 physical damage deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $294 | $498 | $272 | $16 | $82 | $1,187 | $99 |
| Maxima 3.5 SV | $294 | $574 | $272 | $16 | $82 | $1,263 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $214 | $336 | $272 | $16 | $82 | $920 | $77 |
| Maxima 3.5 SV | $214 | $388 | $272 | $16 | $82 | $972 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in Anchorage location which can modify rates noticeably.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claims, you would come out ahead by going with a higher deductible.
The illustration below shows how choosing a deductible and can affect Nissan Maxima insurance premiums for different insured age categories. The prices are based on a married male driver, full coverage, and no discounts are taken into consideration.
How You Can Control Nissan Maxima Insurance Premiums
When buying car insurance it’s important to understand some of the factors that help determine your car insurance rates. When you know what positively or negatively influences your rates, this enables you to make decisions that can earn you lower premium levels.
How’s your driving record? – Even one citation can increase the cost of insurance by as much as twenty percent. Drivers with clean records pay lower auto insurance prices compared to bad drivers. People who have license-revoking violations such as DUI or reckless driving may find that they have to to complete a SR-22 with their state motor vehicle department in order to continue driving.
The information below shows how speeding tickets and at-fault claims drive up Nissan Maxima car insurance costs for different categories of driver ages. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Your address can impact price – Choosing to live in a rural area may provide you with better prices when shopping for auto insurance. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates. People in densely populated areas have much more traffic and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
Your vocation and car insurance rates – Jobs such as real estate brokers, architects, and emergency personnel generally pay higher premium rates due to high stress levels and lots of time spent at work. On the other hand, careers like scientists, athletes and performers have the lowest average rates.
Policy add-ons could be costing you – Insurance companies have many extra bells and whistles that may not really be needed if you don’t pay attention. Insurance for personal injury protection, accident forgiveness, and motor club memberships are probably not needed. These may sound like a good investment when talking to your agent, but if you have no use for them eliminate the coverages to reduce your premium.
Your age impacts your premiums – Older people are proven to be safer behind the wheel, cause fewer claims and accidents, and tend to be get fewer driving tickets. Inexperience drivers are proven to be careless and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates.
The next chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Credit score impacts rates – Having a bad credit score is likely to be a major factor in determining what you pay. Insureds that have excellent credit scores tend to file fewer claims than drivers who have lower credit scores. If your credit history is low, you could save money insuring your Nissan Maxima by improving your rating.