Car owners new to price shopping insurance online are likely to find sourcing cheap Maxima insurance is nearly impossible.
A recent study showed that most consumers have remained with the same insurance company for four years or more, and almost 40% of drivers have never compared quotes from other companies. Drivers in Missouri can save hundreds of dollars each year by just comparing rate quotes, but they don't know the benefits if they switched to a more affordable policy.
It is always a good idea to price shop coverage every six months because insurance rates change quite often. Despite the fact that you may have had the best premium rates on Nissan Maxima insurance in St. Louis a year ago you can probably find a lower rate today. Forget all the misinformation about insurance because you're going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.
Buying affordable auto insurance in St. Louis is much easier if you know where to start. In a nutshell, every person who is shopping for auto insurance will probably get a lower-priced policy. But Missouri drivers do need to understand the methods companies use to price insurance differently and use it to find better rates.
Cheap companies for Nissan Maxima insurance
The providers in the list below have been selected to offer price comparisons in St. Louis, MO. If several companies are displayed, it's highly recommended you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Maxima 3.5 S||$252||$400||$272||$16||$82||$1,022||$85|
|Maxima 3.5 SV||$254||$542||$322||$20||$96||$1,234||$103|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in specific zip code location which can change prices significantly.
Nissan Maxima annual premiums for males versus females
The information below shows the comparison of Nissan Maxima car insurance rates for male and female drivers. The data is based on no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are factored in.
Discount St. Louis insurance quotes
Some insurers don't always publicize all discounts very clearly, so the next list breaks down some of the best known and also the more inconspicuous discounts that may be available. If you're not getting every credit available, you're paying more than you need to.
- Telematics Devices - St. Louis drivers who agree to allow companies to spy on their driving habits remotely like Allstate's Drivewise might get better premium rates as long as they are good drivers.
- Theft Deterrent System - Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
- Drivers Education - Teen drivers should successfully take a driver's education course if offered at their school.
- Passive Restraints - Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
- Distant College Student Discount - Any of your kids who live away from home to go to college and won't have access to an insured vehicle could qualify for this discount.
One thing to note about discounts is that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won't be that lucky.
A list of insurance companies and their possible discounts are detailed below.
- GEICO has savings for federal employee, multi-policy, anti-lock brakes, anti-theft, and air bags.
- MetLife offers discounts including defensive driver, good student, claim-free, accident-free, good driver, multi-policy
- Progressive may offer discounts for homeowner, good student, online quote discount, online signing, multi-vehicle, and multi-policy.
- Travelers includes discounts for continuous insurance, IntelliDrive, good student, save driver, home ownership, and hybrid/electric vehicle.
- SAFECO offers discounts for anti-lock brakes, teen safety rewards, anti-theft, homeowner, drive less, and accident prevention training.
- AAA may have discounts that include anti-theft, good student, pay-in-full, good driver, multi-car, education and occupation, and multi-policy.
Before purchasing a policy, check with each company or agent which credits you are entitled to. Some credits may not apply to policyholders in St. Louis. To choose insurance companies offering insurance discounts in Missouri, click here.
Tailor your insurance coverage to you
Always remember that when buying the right insurance coverage for your personal vehicles, there really isn't a cookie cutter policy. Your situation is unique.
For instance, these questions could help you determine if you may require specific advice.
- What can I do if my company won't pay a claim?
- I don't drive much so do I pay less?
- Are my custom wheels covered?
- What exactly is covered by my policy?
- When should I not buy collision coverage?
- Can I get by with minimal medical coverage if I have good health insurance?
- Do I have coverage when pulling a U-Haul trailer?
- How much liability coverage do I need in Missouri?
- Is my teenager covered with friends in the car?
If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
Compare rate quotes but buy from a local St. Louis insurance agent
Certain consumers just want to have an agent's advice and that is not a bad decision The best thing about comparing rates online is that you can find the best rates and still buy from a local agent.
Upon completion of this short form, your insurance coverage information is submitted to participating agents in St. Louis who will give you quotes for your auto insurance coverage. You won't need to drive around due to the fact that quote results will go to you. You can find better rates AND a local agent. If you need to get a price quote from a particular provider, don't hesitate to navigate to their website and submit a quote form there.
Deciding on an company should depend on more than just the quoted price. These are some questions you should get answers to.
- Are there any extra charges for paying monthly?
- How much training do they have in personal risk management?
- Is every driver in your family covered?
- Does the company have a solid financial rating?
- Do they prorate repair cost based on vehicle mileage?
- Do they review policy coverages at every renewal?
- Who are their largest clients?
Compare. Compare. Compare.
People switch companies for many reasons like policy non-renewal, questionable increases in premium, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn't matter why you want to switch finding a new car insurance company can be less work than you think.
You just learned many ideas to get a better price on Nissan Maxima insurance in St. Louis. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company.
The cheapest Nissan Maxima insurance in St. Louis can be bought from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies don't offer price quotes online and most of the time these smaller companies provide coverage only through local independent agents.
To learn more, link through to the resources below:
- Credit and Insurance Scores (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Lees Summit, Missouri? (FAQ)
- Who Has Affordable Car Insurance Rates for a 20 Year Old Male in Missouri? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Subaru Outback in Missouri? (FAQ)
- What is the Cheapest Car Insurance in Chesterfield, MO? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Electronic Stability Control FAQ (iihs.org)