Compare Nissan Maxima Insurance Rates in Sacramento

If shopping for Sacramento car insurance quotes online is new to you, by this point your are probably confused thanks to the vast number insurance agents and companies offering coverage in Sacramento.

How to find cheaper quotes for Nissan Maxima insurance in Sacramento

The best way we recommend to find low-cost prices for car insurance rates in Sacramento is to regularly compare quotes from different companies who provide car insurance in California.

One key aspect of rate comparisons is to use the same level of coverage on every price quote and and to get price estimates from as many companies as possible. This helps ensure a fair price comparison and a thorough selection of prices.

Discount Nissan Maxima insuranceIt goes without saying that insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper rates will, in all likelihood, move their business because there are good odds of finding a policy with better rates. A survey found that drivers who routinely shopped for cheaper coverage saved about $860 a year as compared to drivers who don’t make a habit of comparing rates.

If finding the cheapest rates on car insurance is your goal, understanding how to get free comparison quotes and analyze insurance rates can help make the process easier and more efficient.

It’s a good idea to compare premium rates before your policy renews because rates are constantly changing. If you had the lowest premium rates on Nissan Maxima insurance in Sacramento on your last policy the chances are good that you can find a lower price today. Ignore everything you know about car insurance because you’re about to learn the best way to save on car insurance.

Affordable Nissan insurance prices in Sacramento

The companies in the list below can provide price comparisons in Sacramento, CA. If you want to find cheap car insurance in Sacramento, we suggest you get prices from several of them to get the best price comparison.

Detailed insurance information

The price information displayed below covers a range of insurance premium costs for Nissan Maxima models. Being able to understand how policy rates are figured is important to be able to make informed decisions when shopping around for a new policy.

Nissan Maxima Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $390 $624 $456 $26 $136 $1,632 $136
Maxima 3.5 SV $390 $718 $456 $26 $136 $1,726 $144
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can affect coverage prices substantially.

Physical damage deductible comparison

A question often asked by Sacramento drivers is the level to set your comp and collision deductibles. The comparison tables below can help illustrate the rate differences between high and low physical damage coverage deductibles. The first data set uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Nissan Maxima insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $478 $810 $442 $26 $132 $1,913 $159
Maxima 3.5 SV $478 $932 $442 $26 $132 $2,035 $170
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Nissan Maxima insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $348 $546 $442 $26 $132 $1,494 $125
Maxima 3.5 SV $348 $630 $442 $26 $132 $1,578 $132
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in Sacramento location which can alter coverage prices greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $36 more each month or $432 annually averaged for all Maxima models than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 11 months between claims, you would more than likely save some money if you choose a higher deductible. Here’s the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $165
Average monthly premium for $500 deductibles (subtract): – $129
Monthly savings from raising deductible: $36
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One important note is that raising deductibles means you will have to cover more of the damage yourself if you have a claim. You will want to have some money saved in the event you have to pay the higher deductible in order to repair your vehicle.

The example below demonstrates how deductibles and can affect Nissan Maxima insurance premiums for different age groups. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Should you buy full coverage?

The information below shows the comparison of Nissan Maxima insurance costs with full physical damage coverage compared to only buying liability only. The data is based on no accidents or driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.

Should you pay for full coverage?

There is no set guideline that is best for determining when to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your Nissan Maxima replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying the physical damage deductible. If it’s costing in excess of $500 annually to have full coverage, then you might want to think about dropping full coverage.

There are some situations where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

You may qualify for discounts for Nissan Maxima insurance in Sacramento

Not many people think insurance is cheap, but there could be significant discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at quote time, but a few must be asked about before you get the savings. If you do not double check each discount possible, you could be paying more than you need to.Cheaper auto insurance with discounts

Keep in mind that some credits don’t apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, it’s just not the way it works. Any qualifying discounts will help lower your policy cost.

The chart below shows the comparison of Nissan Maxima insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, safe-driver, and homeowner discounts applied.

If you would like to choose from a list of providers that have a full spectrum of discounts in Sacramento, click here.

The Nissan Maxima Insurance Price Equation

Consumers need to have an understanding of some of the things that are used to determine the rates you pay for auto insurance. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find much lower annual insurance costs.

Cheaper rates with high coverage deductibles – Comp and collision deductibles tell how much you are willing to pay if a covered claim is submitted. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims could be collision with another vehicle, collision with a deer, and having a roll-over accident. The more you pay before a claim is paid (deductible), the less your auto insurance will be.

Prices and your address – Having an address in a rural area can save you money when insuring your vehicles. Less people living in that area translates into fewer accidents. Residents of big cities have to deal with more auto accidents and longer commute times. More time behind the wheel means more chances of being involved in an auto accident.

Frequent policy claims increase auto insurance rates – Insurance companies in California provide cheaper rates to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance coverage is designed for claims that you cannot pay yourself.

Single drivers take more risk – Having a wife or husband actually saves money when buying auto insurance. Having a significant other may mean you are more responsible and insurance companies like that married couples file fewer claims.

Drivers with high credit save – Having a bad credit score can be an important factor in determining what you pay for auto insurance. Therefore, if your credit can use some improvement, you could potentially save money when insuring your Nissan Maxima by repairing your credit. Consumers who have excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.

What type of car do you drive? – The type of vehicle you own makes a substantial difference in how high your rates are. Lower performance four cylinder passenger models usually have the lowest rates, but many other things help determine your insurance rates.

The following data uses these variables: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Nissan Maxima insurance premiums compared to other makes and models that have a range of performance risks.

Insurance agent or online?

Certain consumers still like to have an agent’s advice and doing that can be a smart decision One of the great benefits of comparing rates online is the fact that you can find lower premium rates and still have a local agent.

Sacramento insurance agentsAfter filling out this simple form, your insurance coverage information is instantly submitted to insurance agents in Sacramento who want to provide quotes to get your business. You never need to do any legwork because quoted prices will be sent directly to you. You can find better rates and an insurance agent to talk to. In the event you want to compare rates from a specific insurance company, you would need to navigate to their website to submit a rate quote request.

Choosing an insurance company shouldn’t rely on just the price. Get answers to these questions too.

When narrowing the list to find a good Sacramento insurance agent, there are two different agency structures and how they are distinctly different. Auto insurance agents in Sacramento may be either exclusive agents or independent agents.

Exclusive Insurance Agents

Agents of this type can only provide one company’s prices such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. They are usually quite knowledgeable on what they offer which can be an advantage. Consumers frequently use the same agent mainly due to the brand legacy instead of buying on price only.

Listed below is a short list of exclusive agencies in Sacramento that can give you comparison quotes.

More insurance agents

Independent Agents

Independent agencies often have many company appointments and that enables them to quote your coverage amongst many companies and find you the best rates. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.

If you are comparing auto insurance prices, it’s a good idea to include multiple independent agents so that you can do a thorough price comparison. Most also write with companies you’ve never heard of which could offer lower prices.

The following are Sacramento independent agents that can give you price quotes.

More insurance agents

If you get good feedback as well as a affordable price, you may have found an auto insurance agent that will adequately provide auto insurance. It’s important to know that once you purchase a policy you can cancel a policy whenever you wish so never assume you are locked into a specific agent for the entire policy term.

Cheap auto insurance rates are possible

As you quote Sacramento car insurance, never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits only to discover later they didn’t have enough coverage. The goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Insureds switch companies for many reasons like delays in paying claims, high prices, an unsatisfactory settlement offer or even policy non-renewal. Regardless of your reason for switching companies, finding a new auto insurance company is not as difficult as it may seem.

Throughout this article, we presented some good ideas how to get a better price on Nissan Maxima insurance in Sacramento. It’s most important to understand that the more companies you get premium rates for, the more likely it is that you will get a better rate. Drivers may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising.

Steps to finding cheaper quotes for Nissan Maxima insurance in Sacramento

If you want to find the absolute lowest rates, then the best way to get the cheapest Nissan Maxima insurance in Sacramento is to compare prices regularly from providers that sell auto insurance in California. This can be done by following these guidelines.

One bit of advice is to try to use similar deductibles and liability limits on each quote and and to analyze as many different insurance providers as possible. Doing this guarantees a fair price comparison and a complete price analysis.

More information can be read at the links below