Compare Nissan Maxima Insurance Quotes in Raleigh

Insurance rates Nissan Maxima in RaleighThe best way to save money on auto insurance rates in Raleigh is to start doing an annual price comparison from companies that insure vehicles in North Carolina. Drivers can shop around by following these steps.

Step 1: Read about what coverages are included in your policy and the factors you can control to keep rates down. Many things that cause rate increases like distracted driving and a bad credit rating can be controlled by making lifestyle changes or driving safer.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agencies can provide rate quotes for many different companies. Select a company

Step 3: Compare the price quotes to your current policy premium and see if there is a cheaper rate. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.

An important note is to compare similar coverage information on every price quote and to quote with as many different insurance providers as possible. This enables a level playing field and a better comparison of the market.

Unimaginable but true, a large majority of car insurance policyholders in North Carolina kept their policy with the same company for at least four years, and nearly the majority have never even compared rates from other companies. Drivers in the U.S. can cut their rates by almost 47% a year just by getting comparison quotes, but they just assume it takes a lot of time to compare rates and save money.

Compare free Raleigh Nissan Maxima insurance rate quotes

Keep in mind that quoting more helps locate more affordable insurance.

The companies shown below are our best choices to provide price comparisons in North Carolina. If multiple companies are listed, it’s highly recommended you visit as many as you can to find the most competitive car insurance rates.

Buying the right Nissan vehicle insurance in North Carolina is an important decision

Despite the fact that car insurance is not cheap in Raleigh, paying for car insurance may not be optional for several reasons.

First, almost all states have mandatory liability insurance requirements which means state laws require specific limits of liability if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, it’s guaranteed your bank will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Nissan at a more expensive rate and force you to pay for the expensive policy.

Third, insurance safeguards both your assets and your Nissan Maxima. It will also reimburse you for hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your Maxima are definitely more than the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver overpays more than $869 every year so compare rate quotes at every policy renewal to ensure rates are competitive.

Nissan Maxima insurance rates and statistics

The data table shown next outlines detailed analysis of rate quotes for Nissan Maxima models. Knowing how auto insurance prices are determined can help you make smart choices when comparing insurance quotes.

Nissan Maxima Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $262 $446 $254 $16 $76 $1,054 $88
Maxima 3.5 SV $262 $514 $254 $16 $76 $1,122 $94
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in vehicle location which can affect coverage prices significantly.

Physical damage deductibles: Should you raise them?

One of the most common car insurance questions is how high should the physical damage coverage deductibles be. The rates shown below can help show how much more you’ll pay between low and high insurance deductibles. The first set of rates uses a $100 deductible for comp and collision and the second pricing table uses a $500 deductible.

Nissan Maxima insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $270 $456 $250 $14 $74 $1,089 $91
Maxima 3.5 SV $270 $524 $250 $14 $74 $1,157 $96
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Nissan Maxima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $196 $308 $250 $14 $74 $842 $70
Maxima 3.5 SV $196 $354 $250 $14 $74 $888 $74
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific Raleigh garaging location which can increase or decrease auto insurance rates substantially.

Based on the data above, we can derive that using a $100 deductible will cost you about $22 more each month or $264 each year averaged for all Maxima models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 18 months between claim filings, you would more than likely save some money by selecting a higher deductible. Below is an example of how this calculation is made.

Average monthly premium for $100 deductibles: $94
Average monthly premium for $500 deductibles (subtract): – $72
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that a higher deductible level means you pay more out-of-pocket when you have a comprehensive or collision claim. You need to make sure you have a higher level of savings in the event you need to pay the deductible for vehicle repair.

The chart below demonstrates how deductibles and can impact Nissan Maxima insurance costs for different age groups. Data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

Car insurance rates are higher with tickets and accidents

The chart below illustrates how traffic citations and at-fault claims drive up Nissan Maxima insurance costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Full coverage versus liability-only

The example below shows the difference between Nissan Maxima insurance costs with full physical damage coverage and with liability coverage only. The premiums assume a clean driving record, no claims, $100 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no written rule to stop buying physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your Nissan Maxima replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying the physical damage deductible. If you are currently paying more than $600 annually for full coverage, then you may need to consider dropping full coverage.

There are some cases where only buying liability is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Cheap Raleigh insurance rates with discounts

Some insurers do not list all possible discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known discounts that you can inquire about if you buy Raleigh car insurance online. If you do not double check each discount available, you may be paying too high a price.Discount insurance

Just know that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts will bring down your premiums.

The chart below visualizes the comparison of Nissan Maxima insurance prices with and without discounts. The data assumes a female driver, a clean driving record, no at-fault accidents, North Carolina 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 claim-free, multi-policy, safe-driver, marriage, homeowner, and multi-car discounts applied.

To find insurance companies with discount insurance rates in North Carolina, click here.

Are insurance agencies obsolete?

Many drivers prefer to buy from a licensed agent and that is not a bad decision The best thing about getting free rate quotes online is you may find lower rates but also keep your business local. Buying from local agencies is important particularly in Raleigh.

Raleigh insurance agentsBy using this quick form, your information is instantly submitted to participating agents in Raleigh that can give you free Raleigh car insurance quotes to get your business. There is no need to leave your computer because prices are sent to your email. You’ll get the best rates and an insurance agent to talk to. In the event you want to compare rates for a specific company, don’t hesitate to search and find their rate quote page and fill out the quote form the provide.

If you are wanting to find an insurance agent, there are a couple of types of agencies and how they operate. Auto insurance agents in Raleigh are considered either independent agents or exclusive agents depending on their employer.

Independent Agents

These agents often have affiliation with several companies so they can quote policies amongst many companies enabling the ability to shop coverage around. If your premiums go up, your policy is moved internally and you won’t have to switch agencies. When comparison shopping, we recommend you include rate quotes from a few independent agents for maximum quote selection.

Below is a partial list of independent agencies in Raleigh that may be able to give you price quotes.

1100 Logger Ct., Bldg. D-101Raleigh, NC 27609(919) 747-9002View Map

5901 Falls of Neuse RdRaleigh, NC 27609(919) 872-1778View Map

5540 Centerview DrRaleigh, NC 27606(919) 285-4732View Map

More Raleigh agents

Exclusive Auto Insurance Agents

Exclusive insurance agents can only write with one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to compare rates from other companies so keep that in mind. Exclusive agents are highly trained on sales techniques and that can be a competitive advantage.

Below is a short list of exclusive agents in Raleigh that are able to give price quotes.

8201 Rowlock Way Suite 112Raleigh, NC 27613(919) 782-3333View Map

5910 Duraleigh Rd #135Raleigh, NC 27612(919) 834-3615View Map

2414 Wycliff Rd #110Raleigh, NC 27607(919) 787-0888View Map

More Raleigh agents

Finding the right auto insurance agent requires more thought than just a low price. These questions are important to ask:

If you receive reasonable responses to all your questions and inexpensive Nissan Maxima insurance in Raleigh quotes, you’ve probably found a car insurance agent that is reliable enough to properly insure your vehicles. Keep in mind once you purchase a policy you can cancel coverage for any reason so never assume that you’re stuck with the auto insurance policy for the full policy term.

A conclusion for your car insurance search

When searching for the cheapest Nissan Maxima rate quotes, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Cheap Nissan Maxima insurance in Raleigh is possible on the web and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get a quote online and many times these small, regional companies prefer to sell through local independent agents.

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