Best Nissan Maxima Insurance in Irvine

Do you need a fast way to compare lower-priced auto insurance rates in Irvine, CA? Irvine buyers have many options when searching for the best price on Nissan Maxima insurance. You can either waste hours driving around getting price quotes or utilize the internet to get rate quotes.

There is a better way to buy auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a Nissan and obtain the cheapest rates from Irvine insurance agents and online providers.

A recent survey discovered that the vast majority of auto insurance customers have remained with the same auto insurance company for four years or more, and practically 40% of auto insurance customers have never shopped around. Irvine drivers could save an average of nearly $470 each year just by comparing rates, but most undervalue the amount of money they would save if they swap their current policy for a cheaper one.

Affordable Nissan insurance price quotes in Irvine

The companies in the list below have been selected to offer free quotes in California. If you wish to find cheap auto insurance in Irvine, CA, it’s highly recommended you compare several of them to get a more complete price comparison.

Insurance coverage analysis

The premium information displayed next outlines estimates of prices for Nissan Maxima models. Knowing how insurance prices are figured can help drivers make decisions on the best policy coverages.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Irvine location which can decrease or increase rates greatly.

Raise deductibles and save

One common question asked by Irvine drivers is how high should the physical damage deductibles be. The following tables illustrate how much more you’ll pay when you select higher and lower deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in your specific Irvine location which can affect prices substantially.

Using the data above, we can ascertain that using a $250 deductible could cost the average driver approximately $38 more each month or $456 every year across all Nissan Maxima models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 20 months between claim filings, you would probably be better off if you choose a higher deductible. Here is the way you can make this decision for your own policy.

The information below shows how choosing a deductible and can change Nissan Maxima yearly insurance costs for each different age group. The premiums are based on a married male driver, full coverage, and no discounts are taken into consideration.

Full coverage rates vs. liability-only in Irvine

The diagram below shows the comparison of Nissan Maxima car insurance rates when comparing full coverage to state minimum liability only. The premium estimates are based on no claims or driving citations, $500 deductibles, single marital status, and no discounts are factored in.

When to stop paying for full coverage

There is no exact rule to stop paying for comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Nissan Maxima replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where only buying liability is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Five Things That Impact Your Insurance Premiums

Lots of factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but some are more transparent like your continuous coverage and annual miles driven. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that come into play when calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that could help you find lower auto insurance prices.

The factors shown below are some of the most common factors that factor into your rate level.

• Liability coverage – Liability insurance kicks in if you are found liable for physical damage or personal injury to other. This coverage provides legal defense which can cost a lot. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.

• Mature drivers are lower risk – Older drivers are proven to be safer behind the wheel, tend to file fewer claims, and get fewer tickets. Youthful drivers are proven to be inattentive when driving so they pay higher auto insurance rates.

  The data below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Men drivers tend to cost more – Statistics demonstrate females are less aggressive when driving. However, this does not mean men are WORSE drivers than women. Males and females have at-fault accidents at a similar rate, but guys have costlier accidents. Men also tend to have more aggressive citations like driving under the influence (DUI).

  The example below illustrates the comparison of Nissan Maxima yearly insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are single, and no other discounts are factored in.

• Improve your credit history and save – An insured’s credit rating is likely to be a major factor in determining premium rates. Consumers who have high credit scores tend to be more responsible than drivers with worse credit. If your credit score can be improved, you could pay less to insure your Nissan Maxima by taking the time to improve your credit score.

• Avoid tickets and save – Even a single citation may cause rates to rise by as much as thirty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers who have careless tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 to the state department of motor vehicles in order to keep their license.

  The diagram below illustrates how traffic citations and at-fault claims can affect Nissan Maxima insurance prices for each different age category. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

Car insurance quotes and discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but occasionally some discounts must be asked about in order for you to get them.

• Switch and Save Discount – Select larger companies give a discount for signing up before your current coverage expires. You can save around 10% with this discount.
• Life Insurance – Not all insurance carriers offer life insurance, but some may give you lower car insurance rates if you buy a life insurance policy as well.
• No Claims – Irvine drivers who stay claim-free pay less in comparison to drivers who are more careless.
• Military Discounts – Being on active deployment in the military may lower your premium rates slightly.
• Good Driver Discounts – Drivers who avoid accidents can save as much as half off their rates compared to accident prone drivers.
• Telematics Discount – Insureds that choose to allow their company to track driving manner by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
• Student in College – Older children who are attending college and leave their car at home may qualify for this discount.
• Multiple Cars – Buying insurance for primary and secondary vehicles on one policy can get a discount on all vehicles.
• Membership in Organizations – Participating in qualifying clubs or civic groups is a simple method to lower premiums when getting a Irvine car insurance quote.
• Irvine Homeowners Discount – Owning a home in Irvine can save you money due to the fact that maintaining a home is proof of financial responsibility.

Just know that most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like you can get free auto insurance, you won’t be that lucky. But any discount will help lower your overall premium however.

The illustration below illustrates the comparison of Nissan Maxima annual premium costs with and without discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, multi-policy, and claim-free discounts applied.

Insurance companies that may have some of the discounts shown above include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you need the cheapest Nissan Maxima rate quotes, ask each company which credits you are entitled to. Some discounts listed above may not apply to policyholders in your area. If you would like to choose from a list of car insurance companies who offer discounts in California, click this link.

Exclusive or independent car insurance agents

Certain consumers still prefer to buy from a local agent and that is OK! Agents can help you build your policy and help in the event of a claim. One of the benefits of getting free rate quotes online is that drivers can save money and get the best rates and still have a local agent. Buying from neighborhood agents is important particularly in Irvine.

After completing this short form, your insurance data gets sent to participating agents in Irvine who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to search for an agent as quotes are delivered immediately to your email address. If you need to compare prices from a particular provider, just visit that company’s website and fill out the quote form the provide.

When narrowing the list to find a reliable insurance agent, you need to know there are two types of agencies and how they differ in how they can insure your vehicles. Agencies in Irvine are categorized either independent or exclusive. Both types can insure your vehicles properly, but it’s important to know how they are different because it may have an impact on which type of agent you select.

Independent Insurance Agents

Agents of this type do not have single company limitations so as a result can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparing insurance rates, you will want to check rates from at a minimum one independent agency to maximize your price options. They also have the ability to place coverage with smaller mutual companies that can offer cheaper rates than bigger companies.

Shown below is a short list of independent agents in Irvine that can possibly get you free price quotes.

• Lockton Insurance Brokers
  19800 MacArthur Blvd #1250 – Irvine, CA 92612 – (949) 252-4400 – View Map
• Morning Star Agency Insurance Services Incorporated
  1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030 – View Map
• Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
  2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 – View Map

View more Irvine agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company like Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They are usually well trained on their products and sales techniques which helps them sell on service rather than price. Consumers sometimes buy from the same agent for years primarily because of the brand and strong financial ratings.

The following are exclusive insurance agents in Irvine that are able to give price quotes.

• Farmers Insurance: James Lohse
  4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175 – View Map
• State Farm Insurance Agent: Kevin Chhiv
  2101 Business Center Dr Suite 110 – Irvine, CA 92612 – (949) 202-0338 – View Map
• State Farm: Jane Lee
  30 Corporate Park – Irvine, CA 92606 – (949) 223-5020 – View Map

View more Irvine agents

Deciding on an insurance agency shouldn’t rely on just the quoted price. Agents should be asked these questions:

• Do they have a Better Business Bureau rating in Irvine?
• Is the agent properly licensed in California?
• Do they see any coverage gaps in your plan?
• How long have they worked with personal auto insurance coverage?
• By raising physical damage deductibles, how much would you save?
• Who are their largest clients?
• Can they help ensure a fair claim settlement?

You are unique and your car insurance should be too

Always remember that when buying insurance from an agent or online, there really isn’t a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

• Is my nanny covered when transporting my kids?
• Am I covered when using my vehicle for business?
• Am I covered when pulling a rental trailer?
• Is a fancy paint job covered?
• Do I really need UM/UIM coverage?
• Am I better off with higher deductibles on my Nissan Maxima?
• Does my medical payments coverage pay my health insurance deductible?
• Am I missing any policy discounts?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

You can find cheap coverage

Some companies may not offer the ability to get a quote online and many times these regional insurance providers sell through local independent agents. Cheap Nissan Maxima insurance in Irvine can be found both online and with local Irvine insurance agents, so you should compare both in order to have the best price selection to choose from.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your goal is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

You just learned a lot of tips how to shop for Nissan Maxima insurance online. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive Irvine car insurance quotes. Consumers could even find that the lowest premium rates come from a small mutual company.

Steps to finding more affordable Nissan Maxima insurance in Irvine

Truthfully, the best way to get the cheapest Nissan Maxima insurance in Irvine is to regularly compare prices from insurance carriers who provide car insurance in California. You can shop around by following these guidelines.

First, spend some time learning about the different coverages in a policy and the things you can change to keep rates down. Many rating factors that cause rate increases such as at-fault accidents and poor credit can be amended by being financially responsible and driving safely.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide rate quotes for many different companies.

Third, compare the quotes to your existing rates and determine if there is any savings. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of shopping around is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote request and and to analyze as many carriers as you can. This guarantees a fair rate comparison and and a good selection of different prices.

More tips and info about insurance can be read at these sites:

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for a Chevrolet Silverado in Irvine? (FAQ)
• Who Has Affordable Irvine Auto Insurance Quotes for Drivers Over Age 70? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for College Students in Irvine? (FAQ)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by GAP Insurance? (Allstate)