Looking for low-cost car insurance rates in Scottsdale, AZ? Scottsdale consumers have lots of choices when looking for low-cost Nissan Maxima insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to compare rates.
There is a right way and a wrong way to buy car insurance so you’re going to learn the proper way to get price quotes on a Nissan and locate the lowest possible price.
If you already have coverage or are just looking to switch companies, you can use these tips to find better prices without reducing coverage. Our objective in writing this article is to help educate you on how insurance works and some tricks to saving. Comparison shoppers just have to know the quickest way to compare insurance rates using one simple form.
Shop Nissan Maxima insurance online
Most companies allow consumers to get prices for coverage on the web. Obtaining pricing for Nissan Maxima insurance in Scottsdale is very simple as you just type in your required coverages on the page. After the form is submitted, the quote system will order reports for credit and driving violations and quotes a price based on the information you submitted.
Using the web to get rate quotes for Nissan Maxima insurance in Scottsdale makes it simple to compare prices and it’s absolutely necessary to perform this step if you want to get cheaper rates.
To save time and find out if lower rates are available, compare rates now from the companies shown below. If you currently have coverage, we recommend that you enter the limits and deductibles as shown on your current policy. This way, you are getting a fair comparison for similar insurance coverage.
The providers in the list below are ready to provide comparison quotes in Arizona. To buy cheap auto insurance in AZ, we suggest you visit several of them to find the most competitive car insurance rates.
Nissan Maxima insurance analysis
The rate information below outlines estimates of prices for Nissan Maxima models. Having a better understanding of how insurance quotes are calculated can help you make smart choices when comparing insurance rates.
| 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 | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific location which can influence coverage rates substantially.
Higher deductibles save money
One of the hardest decisions when shopping for insurance is which deductible level should you buy. The figures shown below show the premium difference between high and low physical damage coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Maxima 3.5 SV | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Maxima 3.5 SV | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rates do not factor in specific Scottsdale garaging location which can revise premiums significantly.
Based on the data above, we can derive that using a $100 deductible costs about $26 more each month or $312 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 15 months between claim filings, you would probably save some money if you choose the higher deductible.
The illustration below shows how choosing a deductible and can raise or lower Nissan Maxima insurance costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
Full coverage rates compared to liability-only
The information below shows the difference between Nissan Maxima annual premium costs when comparing full coverage to state minimum liability only. The premiums are based on no claims or driving citations, $100 deductibles, single marital status, and no other discounts are factored in.
When to eliminate full coverage
There isn’t a written rule of when to exclude full coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s say your Nissan Maxima settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after paying your deductible. If premium cost is more than $200 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not a good idea. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Three reasons to insure your Nissan Maxima
Even though it’s not necessarily cheap to insure a Nissan in Scottsdale, insuring your vehicle may be required and benefits you in several ways.
- Most states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Nissan, most lenders will require you to have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender will be forced to insure your Nissan at a much higher premium rate and force you to pay for the expensive policy.
- Car insurance preserves not only your car but also your financial assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance outweigh the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays more than $850 per year so you should quote and compare rates each time the policy renews to ensure rates are competitive.
Five factors that influence insurance costs
Many things are used when premium rates are determined. Some are obvious like your driving record, but other criteria are less obvious such as your credit history and annual miles driven.
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Traffic violations inflate premiums – Only having one speeding ticket or other violation may increase your cost by as much as thirty percent. Drivers who don’t get tickets get better prices than people who have multiple driving citations. People who have serious citations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
The example below illustrates how violations and accidents increase Nissan Maxima yearly insurance costs for different age groups of insureds. The premiums assume a single female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
- Don’t skimp on liability – Your policy’s liability coverage will afford coverage when you are ruled to be at fault for an accident. This coverage provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
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Guys pay more for car insurance – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Both genders cause fender benders at a similar rate, but men have accidents that have higher claims. Not only that, but men also have more aggressive citations such as reckless driving. Young males are most likely to cause an accident and therefore are the most expensive to insure.
The chart below shows the comparison of Nissan Maxima insurance prices for male and female drivers. The rate quotes are based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
- Insurance companies don’t like frequent policy claims – Insurance companies in Arizona generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
- Extra policy coverages can add up – Insurance policies have a lot of add-on coverages that you can get tricked into buying on your Maxima policy. Coverages like replacement cost coverage, better glass coverage, and extra equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.
Discounts mean cheaper rates for Nissan Maxima insurance in Scottsdale
Some providers do not list all their discounts very well, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy Scottsdale auto insurance online.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% but check with your company.
- Drivers Ed for Students – Require your teen driver to successfully take a driver’s education course as it can save substantially.
- Discount for Life Insurance – Some insurance carriers give a lower rate if you buy some life insurance too.
- Accident Waiver – This one is not really a discount per se, but a handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims before the accident.
- Mature Driver Discount – Drivers over the age of 55 may receive reduced rates.
- Renewal Discounts – Some companies reward drivers for signing up prior to your current Maxima insurance policy expiring. It could save around 10% when you buy Scottsdale auto insurance online.
- Bundled Policy Discount – If you have multiple policies with one insurance company you could earn a discount of up to 20% and get you the cheapest Nissan Maxima insurance in Scottsdale.
As a footnote on discounts, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any qualifying discounts will help reduce your insurance premiums.
The example below illustrates the comparison of Nissan Maxima insurance premiums with and without policy discounts. The rates are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-policy, multi-car, and safe-driver discounts applied.
Some companies who might offer these discounts include:
Check with all the companies what discounts are available to you. Savings might not be offered in your state.
Different people need different car insurance coverages
Always remember that when buying coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Your needs are unique to you so your insurance needs to address that.
For instance, these questions might help in determining whether you would benefit from an agent’s advice.
- Should I waive the damage coverage when renting a car?
- When do I need to add a new car to my policy?
- Is a fancy paint job covered?
- What does roadside assistance cover?
- Do I have ACV or replacement cost coverage?
- Do I benefit by insuring my home with the same company?
- Why is insurance for a teen driver so high in Scottsdale?
- Is there a penalty for late payment?
- Should I pay a claim out-of-pocket?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
Compare rate quotes but work with a local Scottsdale insurance agent
Some people just want to get advice from a local agent and doing so can bring peace of mind Good agents can help determine the best coverages and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find cheap insurance quotes and still have a local agent. Buying from local insurance agents is especially important in Scottsdale.
After completing this simple form, the quote information is emailed to insurance agents in Scottsdale that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to even leave your home since price quotes are sent to you instantly. If you have a need to get a rate quote from one company in particular, just visit that company’s website to submit a rate quote request.
Types of auto insurance agents
If you want a good Scottsdale insurance agent, it can be helpful to understand the different types of agencies and how they can quote your rates. Agents can be classified as either exclusive agents or independent agents. Both write insurance policies, but it’s important to know why they differ because it can factor into your selection of an agent.
Independent Agents
Independent agents are normally appointed by many insurers so they have the ability to put coverage with any number of different companies and get you the best rates possible. If you want to switch companies, an independent agent can move your coverage and you don’t have to find a new agent.
If you are comparing insurance prices, we recommend you contact independent agents in order to compare the most rates. Most also write with companies that do not advertise much which could offer lower prices.
Listed below are Scottsdale independent agents that can give you comparison quotes.
- Jeremy Mueller Insurance Inc
8700 E Pinnacle Peak Rd # 110 – Scottsdale, AZ 85255 – (480) 515-5223 – View Map - Summit Insurance Advisors
5425 E Bell Rd – Scottsdale, AZ 85254 – (480) 214-3544 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel normally can only provide a single company’s rates like American Family, State Farm, and Allstate. Exclusive agencies are unable to provide prices from multiple companies so you need to shop around if the rates are high. They receive extensive training on their company’s products which helps offset the inability to provide other markets. Some people will only choose to use an exclusive agent partially due to the brand legacy rather than low rates.
The following are Scottsdale exclusive agencies who can help you get rate quotes.
- Gary Garrett – State Farm Insurance Agent
15678 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 314-0314 – View Map - Farmers Insurance – Marc Sollee
6320 E Thomas Rd #303 – Scottsdale, AZ 85251 – (480) 900-8010 – View Map - Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968 – View Map
Deciding on an insurance agency should include more criteria than just a cheap price quote. The following questions are important to ask.
- Does the company have a solid financial rating?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How many companies do they write for?
- Who is covered by the car insurance policy?
- Which company do they place the most coverage with?
Which car insurance company is best in Arizona?
Ending up with the highest-rated insurance company can be a challenge considering how many different companies there are to choose from in Scottsdale. The company ratings displayed below could help you analyze which car insurance providers to look at comparing rates with.
Top 10 Scottsdale Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Quote. Compare. Save.
We just showed you many tips how you can compare Nissan Maxima insurance rates in Scottsdale. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. Smaller companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Allstate or State Farm.
Cheaper car insurance in Scottsdale can be found both online in addition to many Scottsdale insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and many times these smaller companies only sell coverage through independent agents.
Steps to saving money on Nissan Maxima insurance in Scottsdale
The easiest way to find affordable Nissan Maxima insurance in Scottsdale is to do an annual price comparison from different companies in Arizona. Rates can be compared by following these guidelines.
- First, gain an understanding of policy coverages and the measures you can control to keep rates in check. Many risk factors that are responsible for high rates such as at-fault accidents and your credit history can be improved by improving your driving habits or financial responsibility.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while independent agencies can provide rate quotes from many different companies.
- Third, compare the price quotes to your existing policy and determine if cheaper Maxima coverage is available. If you find a better price and switch companies, make sure there is no coverage gap between policies.
A good tip to remember is to try to compare identical coverage information on each price quote and to quote with every insurance company. This ensures the most accurate price comparison and the best price selection.
Helpful articles
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has Affordable Auto Insurance for Welfare Recipients in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Scottsdale? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)