Affordable Nissan Maxima Insurance in San Diego

Do you want an efficient way to compare more affordable Nissan Maxima insurance in San Diego? Wish you could get out of an underperforming, overpriced car insurance policy? Believe me when I say many San Diego consumers feel financially strained by their car insurance policy.

Unfortunately, most car insurance policyholders have stayed with the same insurance company for over three years, and 38% of customers have never shopped around. The average driver in San Diego could save an average of $469 each year, but they don’t want to spend time to shop their coverage around.

Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurers and uncover the absolute best rate on Nissan Maxima insurance in San Diego.

It is always a good idea to quote other rates before your policy renews because car insurance prices are variable and change quite frequently. Even if you got the lowest rate on Nissan Maxima insurance in San Diego last year you can probably find a better premium rate now. Block out anything you think you know about car insurance because you’re going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

Many insurance companies allow consumers to get insurance quotes directly from their websites. Doing online price comparisons for Nissan Maxima insurance in San Diego can be done by anyone because it’s just a matter of typing in your personal and coverage information into a form. Upon sending the form, the company’s rating system collects reports for credit and driving violations and quotes a price based on these factors. This helps simplify price comparisons, and it’s necessary to have as many quotes as possible in order to find lower-cost insurance pricing.

In order to use this form to compare rates, compare rates now from the companies shown below. If you currently have coverage, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This ensures you will have a fair comparison using the exact same coverages.

The following companies offer free quotes in San Diego, CA. If multiple companies are shown, we suggest you visit two to three different companies to find the most competitive auto insurance rates.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices noticeably.

Auto insurance rates based on gender

The example below visualizes the comparison of Nissan Maxima insurance premiums for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Driving violations and accidents

The illustration below illustrates how speeding tickets and accident claims drive up Nissan Maxima car insurance costs for different insured age categories. The prices are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Comparison of policy deductibles

The diagram below demonstrates how deductibles and can affect Nissan Maxima insurance prices for each different age category. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied.

Cheap Nissan Maxima insurance in San Diego

Companies offering auto insurance don’t necessarily list every discount they offer very clearly, so the following is a list of both well-publicized and also the more inconspicuous credits that may apply to you. If you do not double check each discount you qualify for, you’re just leaving money on the table.

• Early Switch Discount – Some larger companies provide a discount for renewing your policy early. You can save around 10% with this discount.
• ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can reduce accidents and will save you 10% or more on Maxima insurance in San Diego.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
• Payment Method – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
• Paperless Signup – A few companies will discount your bill up to fifty bucks for completing your application on their website.
• Accident Free – Good drivers with no accidents pay less as compared to policyholders that have many claims.
• Low Miles Discount – Driving less may allow you to get slightly better premium rates than normal.
• Distant College Student Discount – Older children who live away from home at college and do not have a car may qualify for this discount.

Keep in mind that most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

A few companies that have many of the previously listed discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• GEICO

When getting free San Diego car insurance quotes, it’s a good idea to every company the best way to save money. Some discounts listed above may not apply everywhere. To see a list of insurance companies who offer online Nissan Maxima insurance quotes in San Diego, click this link.

When should I get advice from an agent?

A small number of people just prefer to go talk to an agent and that is just fine! One of the best bonuses of getting free rate quotes online is the fact that you can find cheap auto insurance quotes and still have a local agent. And supporting local insurance agencies is especially important in San Diego.

For easy comparison, once you complete this form (opens in new window), the coverage information is immediately sent to insurance agents in San Diego who will return price quotes for your auto insurance coverage. There is no need to contact an agency because prices are sent immediately to your email address. You can most likely find cheaper rates and an insurance agent to talk to. If you have a need to quote rates from a specific auto insurance provider, feel free to go to their quote page to submit a rate quote request.

If you want to buy auto insurance from a reliable insurance agency, you must know there are a couple different types of agents and how they can quote your rates. Insurance agencies in San Diego are classified as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents (or Brokers)

Agents in the independent channel often have affiliation with several companies and that enables them to quote your coverage amongst many companies depending on which coverage is best. If you want to switch companies, your agent can switch companies and you stay with the same agent.

If you are comparing rate quotes, you definitely need to check rates from independent agents in order to have the best price comparison.

Featured below is a list of independent insurance agents in San Diego that may be able to give you rate quotes.

More San Diego agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide one company’s prices such as State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on the products they sell which helps them compete with independent agents.

Below is a short list of exclusive agencies in San Diego who can help you get price quotes.

More San Diego agents

Picking the best insurance agent should include more criteria than just a low price. Before buying a policy in San Diego, get answers to these questions.

• Are they giving you every discount you deserve?
• Where would your vehicle be repaired?
• Do they get extra compensation for selling add-on coverages?
• If you are a high risk driver, do they have special markets for your coverage?
• If independent agents, which companies do they recommend?
• How much can you save by raising your physical damage deductibles?
• Will they give you a referral list?

Special considerations

Always keep in mind that when comparing your policy, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that.
For example, these questions may help highlight whether or not you might need an agent’s assistance.

• Does insurance cover tools stolen from my truck?
• When should I have rental car coverage?
• When should I remove comp and collision on my Nissan Maxima?
• How much will a speeding ticket raise my rates?
• Is there a penalty for late payment?
• Am I covered when delivering products for my home-based business?
• Are rock-chip repairs free?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Why you need insurance for your vehicle

Even though it’s not necessarily cheap to insure a Nissan in San Diego, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

• Almost all states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability coverage in order to drive the car. In California 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 took out a loan on your Nissan Maxima, most lenders will force you to have insurance to ensure loan repayment if the vehicle is totalled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Nissan at a more expensive rate and require you to reimburse them the higher price.
• Car insurance protects both your car and your personal assets. Insurance will pay for most medical and hospital costs incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.

The benefits of buying car insurance definitely exceed the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $700 annually so you should quote rates each time the policy renews to make sure the price is not too high.

Specific coverages for a Nissan Maxima

Knowing the specifics of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Nissan Maxima.

Because many people have only the minimum liability required by law (California limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, funeral costs, doctor visits, hospital visits and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability – Liability insurance protects you from injuries or damage you cause to other people or property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and $5,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical services, emergency aid, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy more liability than the minimum.

Collision – Collision insurance covers damage to your Maxima caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter, backing into a parked car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible on your Maxima in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft, hitting a bird and rock chips in glass. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Cover all your bases

Some companies may not have online quoting and many times these regional carriers prefer to sell through local independent agents. Cost effective Nissan Maxima insurance can be bought both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

We just showed you a lot of ways to compare Nissan Maxima insurance rates in San Diego. The key thing to remember is the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates come from an unexpected company. Regional companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate and Progressive.

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Additional insurance information can be read below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• How Much is San Diego Car Insurance for a Toyota Tacoma? (FAQ)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)