Car Insurance Quotes for a Nissan Maxima

The average annual premium for a Nissan Maxima is $1,910 for full coverage and $610 for the state-required minimum liability.

There are many ways to structure your auto insurance policy. You may apply for liability-only, which only provides third-party benefits paying for injuries and damages sustained by other drivers, vehicles and property. For more money, you may decide upon a full policy with first-party benefits like comprehensive and collision. This type of policy may also be required by your leasing or finance company, which has a vested interest in preserving its vehicle’s value.

Whichever choice you make, Freeway Insurance is ready to help you explore all of your options.

Nissan owners can choose from the bare minimum of liability only to more protection with added benefits, such as collision and/or comprehensive, to even more coverage with optional add-ons such as gap and roadside assistance.

Full Coverage 

Any auto insurance policy that includes liability, collision, and comprehensive may be classified as full coverage.

However, full coverage can also include options such as medical payments (MedPay), uninsured/underinsured motorist, roadside assistance, and rental car reimbursement.

In the event of an accident, full coverage will provide substantially greater protections than state minimum liability. Remember, state minimum liability is the minimum amount required by state law and only covers third-party benefits. In contrast, full coverage provides first-party benefits like collision and comprehensive, which pays for damages to one’s vehicle due to collision and non-collision related events.

One of the best ways to save on full coverage is by taking advantage of many discount programs through your insurer.

State Minimum Liability 

All states require that drivers carry minimum liability insurance, as required by law. This requirement helps cover the cost of damages or injuries to third parties in an at-fault accident you cause.

For example, Colorado law requires all drivers to carry minimum liability requirements of $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability coverage per accident.

In turn, Delaware drivers must adhere to a minimum 25/50/10 policy, translating to $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability per accident, and $10,000 property damage liability per accident.

It is highly recommended that you carry liability limits above what your state requires. For example, if you are a Delaware-based driver in an at-fault accident resulting in $120,000 worth of medical expenses and lost wages to third parties, expect to pay high out-of-pocket costs with the possibility of lawsuits if you do not have enough insurance.

Many factors influence the pricing of your policy.

These factors include but are not limited to age, gender, state and city of residence, and vehicle make and model.

Not surprisingly, younger drivers pay higher premiums (on average) than older drivers, thanks to being less experienced with a higher likelihood of getting into an accident. So expect premiums to level down in your 30s and 40s before eventually ticking up past 65, as older drivers are also more likely to get into vehicle accidents.

Your city of residence also matters when determining premiums. For example, heavily populated urban areas like New York City have a higher incidence rate than sparsely populated suburbs and towns, with premiums adjusted.

Lastly, vehicle models are also a heavy deciding factor when determining premiums. Some vehicles are much cheaper to insure than others, thanks to varying powertrain options, safety ratings, and the likelihood of being stolen relative to other cars.

Unfortunately, a single DUI conviction for a Nissan Maxima driver can result in severe consequences regarding rates and penalties. In many states, you’ll be required to file an SR-22, which alerts insurers that you are a high-risk driver.

For starters, expect your premiums to be double or triple, depending on the severity of the offence and the time since your last conviction. In more severe cases, your policy may even be rejected or outright canceled, especially with a history of multiple driving violations.

The exact percentage of your premium increase will depend on factors such as your age/gender, driving record, insurance company, and any applicable state laws. Only expect your premiums to drop if you have maintained a clean driving record for at least three years.

Fortunately, convicted drivers can obtain cheaper DUI insurance in some ways. However, it will require shopping around. Not all insurance companies treat DUI-convicted drivers the same.

It is a vehicle in the large car segment.

It is available in three trims: SV, SR, and Platinum, as well as a single engine option, a 300-horsepower V6 with front-wheel drive, and continuously variable automatic transmission (CVT).

Standard features include an 8-inch touch screen, Apple CarPlay/Android Auto compatibility, an eight-speaker stereo, and two USB ports. Upgrading to the highest level trim, Platinum, includes leather upholstery, illuminated plates, and a rear window sunshade.

Main competitors are the Honda Accord, Toyota Camry, Honda Civic, and Mazda 3.