Would you like to find cheaper auto insurance rates in Phoenix, AZ? Phoenix consumers have many options when looking for the lowest priced Nissan Maxima insurance. You can either spend your time calling around trying to get quotes or utilize the internet to find the lowest rates.
There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to quote coverages for your Nissan and obtain the lowest possible price either online or from Phoenix insurance agents.
Smart consumers take time to compare rates every six months because prices are constantly changing. Even if you think you had the best price on Nissan Maxima insurance in Phoenix last year you can probably find a better rate now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use online quotes to reduce your cost while improving coverage.
Best companies for Nissan Maxima insurance
The car insurance companies shown below offer comparison quotes in Arizona. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get a more complete price comparison.
| 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 | $154 | $326 | $314 | $18 | $94 | $906 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in vehicle garaging location which can modify rates substantially.
Higher deductibles lower rates
The chart below highlights how deductible choice and can influence Nissan Maxima insurance costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
Males versus Females
The diagram below shows the comparison of Nissan Maxima insurance premiums for male and female drivers. The costs are based on no violations or accidents, full coverage, $500 deductibles, single marital status, and no additional discounts are factored in.
Comparison of full coverage and liability-only policies
The chart below shows the comparison of Nissan Maxima insurance premiums when comparing full coverage to state minimum liability only. The rates are based on no claims or driving violations, $250 deductibles, married male driver, and no discounts are applied.
When to drop comprehensive and collision coverage
There is no set rule to exclude full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Nissan Maxima replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying over $700 a year for physical damage coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.
Learn How to Quote Insurance at a Discount
Multiple criteria are used in the calculation when premium rates are determined. Some are obvious such as your driving record, although some other factors are more transparent such as whether you are married or how safe your car is. Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for insurance. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that can help you get big savings.
- Protect yourself with liability – Your insurance policy’s liability coverage will protect you when a court rules you are at fault for personal injury or accident damage. This coverage provides you with a defense in court up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.
- Optional features can affect premiums – Driving a car with anti-theft technology or alarm system can save you some money. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
- Responsible drivers pay less – Having just one speeding ticket can increase the cost of insurance by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. People who have flagrant violations like DUI, reckless driving or excessive speeding might be required by their state to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
- Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. It does not mean women are BETTER drivers than men. Women and men get in at-fault accidents at about the same rate, but the male of the species have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations like DUI and reckless driving.
- With age comes responsibility – Mature drivers are more cautious drivers, tend to cause fewer accidents, and get fewer tickets.Teenage drivers are proven to be careless and easily distracted in a vehicle so they pay higher insurance rates.
- Big city or small town – Having an address in a small town has it’s advantages when it comes to insurance. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have to deal with congested traffic and higher rates of accident claims. More time on the road statistically corresponds to a higher accident and claim rate.
These discounts can lower your insurance rates
Some providers don’t always publicize every discount very clearly, so the list below details both the well known as well as the least known insurance savings.
- Anti-theft Discount – Cars and trucks with anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Responsible Driver Discounts – Insureds without accidents could pay up to 40% less as compared to drivers with claims.
- Multiple Policy Discount – If you can combine your home and auto policy with one insurance company you may save at least 10% off all policies.
- Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
- Driving Data Discount – Insureds that choose to allow driving data submission to analyze where and when they drive by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.
- Multi-line Discount – Not all companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance.
- Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote Phoenix car insurance with some insurance companies.
- Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on the same insurance policy may reduce the rate for each vehicle.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck.
Some companies who might offer these money-saving discounts include:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Check with every prospective company how many discounts you can get. Some discounts listed above may not apply in every state. To view providers that have a full spectrum of discounts in Phoenix, click this link.
When do I need to contact a local insurance agent?
Many people still prefer to have an agent’s advice and that is not a bad decision Good insurance agents can point out coverage gaps and help you file claims. A good thing about comparing insurance online is you may find lower rates and also buy local. Buying insurance from local agencies is especially important in Phoenix.
Once you complete this form (opens in new window), your coverage information is submitted to agents in your area that provide free Phoenix car insurance quotes to get your business. There is no reason to do any legwork because prices are sent to you instantly. If you wish to get a price quote from one company in particular, you just need to find their quoting web page and give them your coverage information.
Two types of Phoenix auto insurance agents
If you want to buy insurance from a good insurance agency, you must know there are a couple types of insurance agents and how they can write your policy. Insurance policy providers can be categorized as either exclusive or independent. Either one can sell and service insurance coverage, but it’s important to know how they differ since it can impact the kind of agent you use.
Independent Agents (or Brokers)
Agents that elect to be independent are not employed by any specific company so they can insure your vehicles with any number of different companies and get you the best rates possible. If they quote lower rates, an independent agent can move your coverage and the insured can keep the same agent. When comparing insurance rates, you definitely need to get several quotes from at a minimum one independent agency to have the most options to choose from. Many can place coverage with less well-known companies that may have much lower rates than larger companies.
The following are Phoenix independent insurance agencies who may be able to give you price quotes.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map - UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so they really need to provide good service. These agents are trained well on their products and sales techniques and that allows them to sell at a higher price point. Many people use the same exclusive agent mainly due to the prominent brand name and solid financial strength.
The following are exclusive agencies in Phoenix that can give you price quotes.
- Severiano Torres III – State Farm Insurance Agent
1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map - Mattie Taylor – State Farm Insurance Agent
4225 W Bell Rd – Phoenix, AZ 85053 – (602) 938-4491 – View Map - Nichole Schaffer – State Farm Insurance Agent
2612 N 7th St – Phoenix, AZ 85006 – (602) 439-7000 – View Map
Picking the best insurance agent requires more thought than just a low price. These questions are important to ask:
- Do they carry Errors and Omissions coverage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How many years have they been established?
- Can you contact them at any time?
- Is auto insurance their primary focus in Phoenix?
- Are claim adjusters local or do you have to take your car somewhere else?
Is there deception in advertising?
Consumers in Arizona get pounded daily by advertisements that claim the best prices from the likes of 21st Century, Allstate and State Farm. They all seem to tend to make the same promise about savings if you get a free Phoenix car insurance quote and switch your coverage to them.
Is it even possible that every company can make almost identical claims? It’s all in the words they use.
Many companies have specific guidelines for the type of insured that earns them the most money. One example of a profitable insured could be over the age of 45, has other policies, and drives less than 7,500 miles a year. Anyone that meets those criteria may get the lowest rates in Phoenix and will most likely save a lot of money.
People who don’t meet this ideal profile will be charged a higher rate which results in the customer buying from someone else. The ads state “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can make claims like that.
Because each company has a different risk profile, you really should do a rate comparison at every renewal. You cannot predict which company will have better car insurance rates than you’re paying now.
How much insurance do I need?
When it comes to buying your policy for your personal vehicles, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out whether or not you may require specific advice.
- Are rock-chip repairs free?
- Do I have newly-aquired coverage?
- Who is covered by my policy?
- Why do I only qualify for high-risk insurance?
- Do I need PIP (personal injury protection) coverage in Arizona?
- Is my custom stereo system covered?
- How much liability coverage do I need in Arizona?
- What if a claim settlement is too low?
- When should I not file a claim?
If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
Cover all your bases
Drivers who switch companies do it for many reasons like high rates after DUI convictions, delays in paying claims, policy cancellation and high prices. Regardless of your reason, finding a new company is less work than it seems.
As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage for the lowest price, but do not skimp to save money.
Some insurance providers don’t offer rates over the internet and these regional insurance providers only sell coverage through independent insurance agents. Affordable Nissan Maxima insurance in Phoenix is attainable from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.
Much more information about auto insurance in Arizona can be read at these links:
- Insuring a Leased Car (Insurance Information Institute)
- How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
- What Auto Insurance is Cheapest for Teenage Females in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Quotes for First-time Drivers in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance for 18 Year Olds in Phoenix? (FAQ)
- What Car Insurance is Cheapest for Safe Drivers in Phoenix? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Driving in Bad Weather (Insurance Information Institute)