Affordable Insurance for a Nissan Maxima in Lincoln

Discount Nissan Maxima insuranceNo sane person looks forward to paying premiums for car insurance, particularly when the prices are way too high.

It’s an obvious conclusion that car insurance companies don’t want you shop around. Consumers who shop around for better prices will probably switch companies because there is a good chance of finding a more affordable policy premium. A recent car insurance study revealed that drivers who compared rates annually saved about $865 a year compared to drivers who never compared other company’s rates.

If finding the cheapest price for insurance is your intention, then having an understanding of the best ways to find and compare insurance can make it easier to find better rates.

Lots of auto insurance companies contend to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the best price available on Nissan Maxima insurance in Lincoln.

The quickest method we recommend to compare car insurance company rates for Nissan Maxima insurance in Lincoln is to understand most larger insurance companies allow for online access to compare their rates. The one thing you need to do is spend a couple of minutes providing details including your education level, whether you have decent credit, how you use your vehicles, and the ages of drivers. That rating information is then submitted to many different companies and you should receive rate quotes instantly.

To compare rates for your Nissan Maxima now, click here and find out if lower rates are available in Lincoln.

The providers in the list below are ready to provide comparison quotes in Lincoln, NE. If your goal is to find the best cheap auto insurance in Lincoln, NE, we recommend you compare several of them to get the best price comparison.

Insurance coverage details

The price information shown below highlights detailed analysis of policy rates for Nissan Maxima models. Learning how insurance premiums are formulated can help guide drivers when making smart choices when choosing a car insurance company.

Nissan Maxima Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $278 $538 $338 $20 $102 $1,276 $106
Maxima 3.5 SV $278 $620 $338 $20 $102 $1,358 $113
Get Your Own Custom Quote Go

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Information does not factor in garaging location in Lincoln which can decrease or increase insurance rates significantly.

How high should deductibles be?

One of the most common insurance questions is how high should the deductibles for physical damage be. The rates shown below highlight the differences in premium rates when you choose different insurance deductibles. The first rate estimation uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Nissan Maxima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $292 $460 $300 $18 $90 $1,185 $99
Maxima 3.5 SV $292 $530 $300 $18 $90 $1,255 $105
Get Your Own Custom Quote Go

Nissan Maxima insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $180 $290 $300 $18 $90 $878 $73
Maxima 3.5 SV $180 $334 $300 $18 $90 $922 $77
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in zip code location which can lower or raise price quotes noticeably.

Using the data above, we can ascertain that using a $250 deductible will cost in the ballpark of $27 more each month or $324 each year than selecting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 28 months between claims, you would most likely save money if you choose the higher deductible.

The example below shows how choosing a deductible and can influence Nissan Maxima insurance prices for different age groups of insureds. The information is based on a single male driver, comp and collision included, and no discounts are taken into consideration.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Nissan Maxima in Lincoln, insuring your vehicle may be mandatory for several reasons.

The benefits of buying car insurance outweigh the cost, especially if you ever need it. Unknowingly, the average driver overpays as much as $855 a year so compare rates each time the policy renews to ensure rates are competitive.

Ten discounts for affordable auto insurance rates

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Most are applied at the time of purchase, but some discounts are required to be asked about before you will receive the discount.Cheaper auto insurance with discounts

Remember that most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The illustration below compares Nissan Maxima insurance costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, multi-policy, and claim-free discounts applied.

A few popular companies and some of their more popular discounts are shown below.

If you are trying to find inexpensive Lincoln auto insurance quotes, ask every insurance company which discounts you qualify for. Some discounts might not apply in every state.

What if I want to buy from local Lincoln car insurance agents?

Some people still like to sit down and talk to an agent and doing that can be a smart decision The biggest benefit of comparing rate quotes online is the fact that you can find lower rates and still have an agent to talk to. And buying from neighborhood insurance agencies is important particularly in Lincoln.

Lincoln insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), your coverage information gets sent to local insurance agents that can give you free Lincoln auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to you instantly. You’ll get the best rates without a big time investment. If for some reason you want to get a comparison quote from one company in particular, you would need to visit that company’s website and submit a quote form there.

The type of car insurance agent you choose is important

When researching a reliable agent, it’s helpful to know the different agency structures that you can choose from. Lincoln agents are classified as either exclusive agents or independent agents.

Independent Agents

These agents are not limited to a single company and that gives them the ability to insure through many companies and find you the best rates. If prices rise, your agent can just switch to a different company without you having to go to a different agency.

When comparison shopping, it’s a good idea to get several quotes from at least one independent agent to have the best price comparison.

Featured below is a short list of independent agencies in Lincoln that can give you free price quotes.

Mid Mex Insurance Inc
1010 South St ALincoln, NE 68502(402) 438-6800View Map

1701 K StLincoln, NE 68508(402) 434-3990View Map

4200 Lucile Dr a200Lincoln, NE 68506(402) 475-2609View Map

More insurance agents

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents cannot give you multiple price quotes so keep that in mind. Exclusive agents are highly trained on what they offer and that can be a competitive advantage.

Below are exclusive insurance agents in Lincoln that are able to give rate quotes.

4221 O StLincoln, NE 68510(402) 488-0955View Map

5625 O St Ste 105Lincoln, NE 68510(402) 489-6211View Map

7501 O St #103Lincoln, NE 68510(402) 483-7578View Map

More insurance agents

Picking a insurance agency shouldn’t rely on just a low price. Some important questions to ask are:

Car insurance companies ranked

Selecting the right car insurance provider is hard considering how many different companies sell coverage in Lincoln. The information in the lists below can help you select which providers you want to consider comparing prices from.

Best Car Insurance Companies in Lincoln
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
Compare Rates Now Go

Data Source: Best Car Insurance Companies

How do I know if I need professional advice?

When quoting and comparing a policy for your vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is a little different and your car insurance should unique, too.Safe vehicles cost less to insure
These are some specific questions may help you determine if you might need professional guidance.

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical expenses, bail bonds, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Nebraska state law requires minimum liability limits of 25/50/25 but drivers should carry more coverage.

The next chart demonstrates why buying minimum limits may not be adequate.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, falling objects, a tree branch falling on your vehicle and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, ambulance fees, rehabilitation expenses, prosthetic devices and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Maxima resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, rolling your car, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your Maxima to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists 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.

Due to the fact that many Nebraska drivers only purchase the least amount of liability that is required (25/50/25 in Nebraska), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liability limits.

Persistence will pay off

Budget-friendly car insurance in Lincoln is attainable online and also from your neighborhood Lincoln agents, and you should be comparing both to get a complete price analysis. Some companies may not offer rates over the internet and these smaller providers provide coverage only through independent agencies.

As you prepare to switch companies, never buy poor coverage just to save money. In many cases, someone sacrificed uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best possible price while not skimping on critical coverages.

Steps to buying low-cost Nissan Maxima insurance in Lincoln

It takes a few minutes, but the best way to save on Nissan Maxima insurance in Lincoln is to compare quotes annually from providers who provide car insurance in Nebraska. You can compare rates by following these guidelines.

  1. Take a few minutes and learn about what is in your policy and the things you can change to lower rates. Many rating criteria that cause high rates such as at-fault accidents, speeding tickets, and a not-so-good credit rating can be eliminated by making minor driving habit or lifestyle changes.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO and State Farm, while independent agencies can provide prices from multiple companies. Compare rates now
  3. Compare the new quotes to the price on your current policy and determine if there is any savings. If you can save money and make a switch, ensure there is no coverage lapse between policies.
  4. Notify your company or agent of your intent to cancel your existing policy and submit a down payment and signed policy application to your new insurance company. Immediately upon receiving it, store the proof of insurance certificate in a readily accessible location in your vehicle.

A key point to remember is to make sure you’re comparing identical coverage information on each quote and and to get rate quotes from as many companies as feasibly possible. This provides a level playing field and plenty of rates choose from.

Even more information is located in these articles: