6 Ways You Can Insure a Nissan Maxima and Save Money in Nevada

Searching for the cheapest insurance for your Nissan Maxima in Nevada can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to price shop coverage for your Nissan and find the lowest price either online or from Nevada insurance agents.

It’s a good habit to compare rates once or twice a year because insurance rates change regularly. Despite the fact that you may have had the best deal for Maxima coverage a year ago a different company probably has better rates today. There is too much inaccurate information about car insurance on the internet, so I’m going to show you a bunch of ideas how to put money back in your pocket.

If you currently have car insurance, you stand a good chance to be able to save some money using these tips. Buying cheaper protection is easy if you know what you’re doing. Nevertheless, Nevada car owners benefit from understanding how the larger insurance companies compete online and apply this information to your search.

Discounts are great for lower rates

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden car insurance savings.

Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Senior Discount – Mature drivers may be able to get a small decrease in premiums for Maxima coverage.
Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

To choose insurance companies offering car insurance discounts in Nevada, click this link.

When should I use an insurance agent?

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

Does medical payments coverage apply to all occupants?
Are my friends covered when driving my Nissan Maxima?
Do I need higher deductibles?
Do I really need UM/UIM coverage?
When would I need rental car insurance?
Are split liability limits better than a combined single limit?
Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car Insurance through a local agent

A small number of people would prefer to talk to a local agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is that you can obtain the best rates but also keep your business local.

After filling out this simple form, your insurance data is transmitted to agents in your area who will give you bids for your insurance coverage. You don’t have to even leave your home since price quotes are sent directly to your email. You can find better rates and a licensed agent to work with.

Deciding on an insurance company requires more thought than just the price. Any agent should have no problem answering these questions:

Does the agency provide any after hours assistance?
Is vehicle damage repaired with OEM or aftermarket parts?
Does the agent have professional designations like CIC, CPCU or AIC?
Do they have any clout with companies to ensure a fair claim settlement?
How are claims handled?
Do the coverages you’re quoting properly cover your vehicle?

What types of car insurance agents are in Nevada?

When searching for a reputable insurance agent or broker, there are a couple of different agency structures that you can select. Insurance agencies in Nevada can either be captive or independent.

Captive Insurance Agents

Captive agencies can only write with one company and some examples include American Family, State Farm and Allstate. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captives are trained well in insurance sales which can be an advantage. Some people will only choose to use a captive agent mostly because of the brand legacy and solid financial strength. Nevada insurance prices

Independent Agents (or Brokers)

Independent agents are not locked into one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency. When shopping rates, it’s recommended you get quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with smaller regional carriers which can be an advantage.

To view a complete directory of insurance agents in Nevada, click here.

Upon getting positive responses to your questions in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that is a good match to insure your vehicles. But keep in mind policyholders can cancel coverage at any time so never feel that you are obligated to a policy for the full term.

Is there deception in advertising?

Companies like State Farm, GEICO and Progressive consistently run television and radio advertisements. All the ads make an identical promise that you’ll save big if you change your coverage to them. How do they all say the same thing?

All the different companies can use profiling for the driver that is profitable for them. For example, a driver they prefer could be between 30 and 50, has no driving citations, and has excellent credit. Any new insured who meets those qualifications receives the best rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will be charged higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save that much. That is how companies can advertise the way they do. That is why drivers should compare many company’s rates. It’s not possible to predict which insurance companies will fit your personal profile best.

More tips and info about car insurance can be read at the Nevada Division of Insurance website. Consumers can get help finding coverage, find out which companies have the most complaints, and report car insurance fraud.

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Coverage specifics

Having a good grasp of your car insurance policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses such as rehabilitation expenses, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

Collision coverage will pay to fix damage to your Maxima from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, sideswiping another vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people 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. As an example, you may have liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair costs for stationary objects, structural damage, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Maxima.

Since many Nevada drivers have only the minimum liability required by law (15/30/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

What is YOUR best insurance company?

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at an affordable rate while still protecting your assets.

Cost effective Nissan Maxima insurance is possible both online in addition to many Nevada insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

Insureds who switch companies do it for any number of reasons including delays in paying claims, extreme rates for teen drivers, high rates after DUI convictions or even policy non-renewal. It doesn’t matter why you want to switch finding a new car insurance company is not as hard as you think.