Compare Nissan Maxima Insurance Quotes in Bakersfield

Do you want to stop overpaying and find the cheapest Nissan Maxima insurance in Bakersfield? No car owner enjoys paying for insurance, in particular when they could get a better deal.

Insurance for Nissan MaximaUnbelievable but true according to a study the vast majority of insurance customers have been with the same company for four years or more, and just short of a majority have never shopped around. Many consumers in Bakersfield could cut their rates by nearly $500 a year, but most undervalue how much they could save if they switched to a cheaper policy.

Due to the large number of online and local companies to choose from, it’s nearly impossible to choose the lowest price insurer.

It’s a good habit to shop coverage around once or twice a year because prices are constantly changing. If you had the lowest quotes on Nissan Maxima insurance in Bakersfield two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re going to learn the fastest way to save money, get proper coverage and the best rates.

When price shopping your coverage, comparing a wide range of rates increases your odds of finding a lower rate than you’re paying now.

The following companies provide comparison quotes in California. If several companies are displayed, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Auto insurance in California serves several purposes

Despite the high cost, buying auto insurance is required for several reasons.

The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. Today the average American driver overpays as much as $810 a year so it’s very important to do a rate comparison at every policy renewal to ensure rates are competitive.

Nissan Maxima insurance charts and tables

The coverage information below highlights a range of insurance policy prices for Nissan Maxima models. Learning as much as possible about how auto insurance policy rates are determined is important for you to make informed decisions when shopping around for a new policy.

Nissan Maxima Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $412 $792 $464 $28 $138 $1,834 $153
Maxima 3.5 SV $412 $912 $464 $28 $138 $1,954 $163
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can decrease or increase coverage prices greatly.

Raise deductibles and save

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The comparison tables below show the cost difference when you choose different coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Nissan Maxima insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $430 $678 $442 $26 $132 $1,733 $144
Maxima 3.5 SV $430 $780 $442 $26 $132 $1,835 $153
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Nissan Maxima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Maxima 3.5 S $266 $426 $442 $26 $132 $1,292 $108
Maxima 3.5 SV $266 $490 $442 $26 $132 $1,356 $113
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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, multi-policy, safe-driver, and homeowner. Prices do not factor in garaging location in Bakersfield which can alter coverage rates noticeably.

Based on these figures, using a $250 deductible will cost you roughly $38 more each month or $456 each year across all Nissan Maxima models than choosing the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 20 months between claim filings, you would most likely save money if you choose a higher deductible.

Careless driving habits raise Bakersfield insurance rates

The chart below demonstrates how speeding tickets and fender-benders influence Nissan Maxima car insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Rate comparison of full coverage and liability-only

The information below visualizes the comparison of Nissan Maxima insurance costs when comparing full coverage to liability only. The rates are based on no accidents, no driving violations, $500 deductibles, single status, and no other discounts are factored in.

When to eliminate full coverage

There is no set guideline for dropping full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your Nissan Maxima settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $4,000 after paying your deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Get cheaper Nissan Maxima insurance in Bakersfield with discounts

Some insurance providers do not list all their discounts very well, so the list below details both the well known and also the more inconspicuous credits that you can use to lower your rates.Auto insurance discounts

Remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, nobody gets a free ride.

The chart below shows the difference between Nissan Maxima car insurance costs with and without policy discounts. The data is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, safe-driver, and homeowner discounts applied.

Companies and some of the discounts are shown below.

Before buying, ask every prospective company how many discounts you can get. Some discounts may not apply in your area. If you would like to view providers who offer cheap Nissan Maxima insurance quotes in Bakersfield, follow this link.

Everyone needs different auto insurance coverages

When quoting and choosing coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.Auto insurance savings

These are some specific questions may help you determine whether your personal situation could use an agent’s help.

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.